Compared with Ohio
3 of 17
compared fees are above the median.
9 below, 5 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
72nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Ohio median
of 17 compared; 9 below, 5 about the same
See the feesFee schedule read Oct 26, 2026
Call-report figures are for Wayne County Community Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Ohio median | Published fees above the Ohio median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Wayne County Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 26, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 11% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (72nd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $85K in Q2 2026, 6.3% above the same quarter a year earlier ($80K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 17 compared published fees sit above the Ohio median; 9 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Ohio medians for fees published by banks and credit unions.
NSF / Returned Item
Compared at $24.50, the middle of its prices
Overdraft (OD)
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income was about level from Q3 2025 to Q2 2026, at $85K. Its share of revenue, 11%, is above the 7.2% median for credit unions with under $300M in assets.
$85K
Wayne County Community Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Wayne County Community Federal Credit Union · $54M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Wayne County Community Federal Credit Union(this institution) | Smithville, OH | $54M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Altonized Community Federal Credit Union | Alton, IL | $53M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bar-Cons Federal Credit Union | Columbus, IN | $53M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Brooklyn Cooperative Federal Credit Union | Brooklyn, NY | $56M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Cutting Edge Federal Credit Union | Milwaukie, OR | $53M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Electrical Federal Credit Union | Arvada, CO | $54M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heart O' Texas Federal Credit Union | Waco, TX | $55M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hopewell Chemical Federal Credit Union | Hopewell, VA | $56M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Inland Valley Federal Credit Union | fontana, CA | $54M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| L. A. Electrical Workers Credit Un. Federal Credit Union | Pasadena, CA | $55M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lancaster Red Rose Federal Credit Union | Leola, PA | $55M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lifetime Federal Credit Union | Richardson, TX | $55M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Newport News Mun. Emp Credit Union | Newport News, VA | $54M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Penn Federal Credit Union | Philadelphia, PA | $54M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Post Office Employees' Federal Credit Union | Metairie, LA | $55M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Qside Federal Credit Union | Queens Village, NY | $53M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Ravenswood Federal Credit Union | Ravenswood, WV | $54M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rockland Employees Federal Credit Union | Spring Valley, NY | $55M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Spirit Of America Federal Credit Union | Lincoln, NE | $53M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Total Choice Federal Credit Union | Hahnville, LA | $54M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Truservice Community Federal Credit Union | Little Rock, AR | $53M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Northwest Federal Credit Union | Norton, KS | $55M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Van Cortlandt Cooperative Federal Credit Union | Bronx, NY | $55M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Vocal Federal Credit Union | Helena, MT | $53M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Westminster Federal Credit Union | Westminster, CO | $55M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Yuma County Federal Credit Union | Yuma, CO | $53M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $3.25 among 8 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Wayne County Community Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Wayne County Community Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $85K | +$6K | +7.6% |
| Q1 2026 | $79K | −$6K | −7.1% |
| Q4 2025 | $85K | $0 | 0.0% |
| Q3 2025 | $85K | +$5K | +6.3% |
| Q2 2025 | $80K | +$1K | +1.3% |
| Q1 2025 | $79K | −$5K | −6.0% |
| Q4 2024 | $84K | −$1K | −1.2% |
| Q3 2024 | $85K | +$1K | +1.2% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Wayne County Community Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Wayne County Community Federal Credit Union by share.
Amounts from Wayne County Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per item
per item
per transaction
per month
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee (inactive over 12 months) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research / Reconcilliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Credit Card Transaction Dispute (other than fraud) | $25Inside the U.S. middle 50% ($6.63 to $25 nationally) | Not stated | None |
| Debit Card Transaction Dispute (other than fraud) | $25Inside the U.S. middle 50% ($6.63 to $25 nationally) | Not stated | None |
| Returned Mail Fee | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Non-sufficient Funds & Overdraft Privilege (per item) | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-sufficient Funds & Overdraft Privilege (per item) | $29Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Processor Return Item | $20Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer (from savings to checking) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per transaction | None |
| Overdraft Transfer Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Non-Network ATM | $5Not compared: Monthly charge, not per item | per month | None |
| ATM Card Reissue | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Reissue | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Credit/Debit Card Fee (each) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| ATM Card Reissue Rush Fee | $20Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Debit Card Reissue Rush Fee | $20Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Wire Transfer Fee (each) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Wire Transfer Fee | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier Check Issued (each) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Official Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment of Personal Check (per item) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment of Unpaid Official Check | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Placement | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Image Copy of Processed Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Image Copy of Processed Check (per item) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Online Bill Pay Services | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Counting (audience not stated, treated as personal) | 10% | Not stated | None |
Account Services | |||
| Garnishment / Levy / Subpoena | $25Below the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
| Garnishment/Levy/Subpoena Fee | $25Below the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| Verification of Deposit Processing | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Loan Late Fee | $30Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Account Statement Copy | $3Not compared: Monthly charge, not per item | per month | None |
| Faxes | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 26, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Wayne County Community Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Smithville, OH | 2 |
| Orrville, OH | 1 |
Largest competitors nearby
Local market: Wayne county, OH, around its headquarters.
| 13 in its local market | Deposit share |
|---|---|
| The Farmers National Bank of Canfield | 18.6% |
| PNC Bank, National Association | 18.2% |
| Main Street Bank Corp. | 14.5% |
| The Huntington National Bank | 13.3% |
| The Commercial and Savings Bank of Millersburg, Ohio | 10.1% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.