Vantage Point Federal Credit Union

Headquarters: Hopewell, Virginia
Charter: Credit Union
Assets: $45.0M
Fed district: Richmond
Regulator: NCUA

21 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 3, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 3, 2026

How these figures are measured

Call-report figures are for Vantage Point 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Vantage Point Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 3, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Vantage Point Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $72K in Q2 2026, 1.4% above the same quarter a year earlier ($71K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Vantage Point Federal Credit Union: $30
Vantage Point Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Vantage Point Federal Credit Union: $1
Vantage Point Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Vantage Point Federal Credit Union: $20
Vantage Point Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Virginia: Banks and credit unions headquartered in Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income fell 12% from Q3 2025 to Q2 2026, to $72K.

Fee income, Q2 2026

$72K

$82KQ3 2025

$82KQ4 2025

$72KQ1 2026

$72KQ2 2026

Against the median

Vantage Point Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Vantage Point Federal Credit Union · $45M 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 17 states.

Credit unions only
$44M to $46M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Vantage Point Federal Credit Union(this institution)	Hopewell, VA	$45M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Access Of Louisiana Federal Credit Union	Lake Charles, LA	$44M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
All Saints Federal Credit Union	Parma, OH	$45M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Business And Industrial Federal Credit Union	Columbus, IN	$45M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
California Adventist Federal Credit Union	Glendale, CA	$45M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Carpenters Federal Credit Union	Saint Paul, MN	$44M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Cherokee County Federal Credit Union	Rusk, TX	$45M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Collegedale Federal Credit Union	Collegedale, TN	$45M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Eastern Indiana Federal Credit Union	New Castle, IN	$44M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Fire Fighters Federal Credit Union	Tulsa, OK	$45M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fox Valley Federal Credit Union	Aurora, IL	$46M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Geismar Complex Federal Credit Union	Geismar, LA	$45M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Holy Rosary Federal Credit Union	Kansas City, MO	$45M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Kemba Charleston Federal Credit Union	Dunbar, WV	$45M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Lakeshore Federal Credit Union	Muskegon, MI	$45M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Lakeside Federal Credit Union	New Johnsonville, TN	$45M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Les Federal Credit Union	Baton Rouge, LA	$45M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Miami Federal Credit Union	Miami, FL	$45M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northern New Mexico School Employee Federal Credit Union	Santa Fe, NM	$45M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
On The Grid Financial Federal Credit Union	Atlanta, GA	$45M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Police Credit Union of Connecticut	Hartford, CT	$45M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Saint Francis Employees Federal Credit Union	Tulsa, OK	$45M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sweet Home Federal Credit Union	Amherst, NY	$45M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Toledo Fire Fighters Federal Credit Union	Toledo, OH	$46M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Vigo County Federal Credit Union	Terre Haute, IN	$46M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Wakota Federal Credit Union	South St Paul, MN	$45M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(out-of-network atm)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Out-of-network ATM is broadly aligned with similar-sized credit unions: within 1% of their median.

Its published price is $1, against a peer median of $1 among 14 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 Oct 30, 2026.

Out-of-network ATM fee in dollars, one mark per institution

Vantage Point Federal Cre…Peer (equal prices stack)Peer median

Against this institution's out-of-network atm fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Vantage Point Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $72K
vs prior quarter: $00.0%; from Q1 2026
vs a year earlier: +$1K+1.4%; from Q2 2025
vs start of range: −$4K−5.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Vantage Point Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$72K	$0	0.0%
Q1 2026	$72K	−$10K	−12.2%
Q4 2025	$82K	$0	0.0%
Q3 2025	$82K	+$11K	+15.5%
Q2 2025	$71K	−$2K	−2.7%
Q1 2025	$73K	−$9K	−11.0%
Q4 2024	$82K	+$6K	+7.9%
Q3 2024	$76K	$0	0.0%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Vantage Point Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$10
per month
Checking/Draft Reconcilement$10
Not compared: Charged per hour; comparison unavailable
per hour · Checking/Draft Reconcilement | $10.00 | Per Hour – In Person or phone call
Invalid Address/Return Mail$5
per month

Overdraft & NSF

Overdraft Fee – By ACH, Check, or Debit Card$30

ATM & Card

ATM (Foreign) Withdrawal$1
per transaction
Replacement ATM or Debit Plastic$10
per item

Wire Transfers

Wire Fee (Domestic)$20

Check Services

Third Party Teller Check$5
Money Orders$2
per item
Stop Payment$30
Counter Checks$1
Non-Member Check Cashing$5
per item
Copy of Check$5
per item

Digital & Electronic

Bill Payment Service$5

Account Services

Notary Fee$5
Not compared: Charged per document; comparison unavailable
per document
Safe Deposit Box Annual Rental Fees$30
per year
Safe Deposit Drill Fee$250
Not compared: Box drilling or key fee
Safe Deposit Key Replacement Fee$35
Not compared: Box drilling or key fee
Garnishment/Lien Processing$25
per item
Subordination Agreement$75
Account/Deposit Verifications$10
per item

Lending Fees

Loan Late Charge (audience not stated, treated as personal)5%($10 minimum)

Retirement & IRA

Individual Retirement Account (IRA) Withdrawals$20

Gift & Prepaid Cards

VISA Gift Card$4.95
per item

Other Fees

Statement Reprint$5
Loan Extension (Skip-A-Pay)$25
per item
Mortgage Loan Payoff Requests$25
per item
Quick Loan Application Fee$20

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$10	per month	None
Checking/Draft Reconcilement	$10Not compared: Charged per hour; comparison unavailable	per hour	Checking/Draft Reconcilement \| $10.00 \| Per Hour – In Person or phone call
Invalid Address/Return Mail	$5	per month	None
Overdraft & NSF
Overdraft Fee – By ACH, Check, or Debit Card	$30	Not stated	None
ATM & Card
ATM (Foreign) Withdrawal	$1	per transaction	None
Replacement ATM or Debit Plastic	$10	per item	None
Wire Transfers
Wire Fee (Domestic)	$20	Not stated	None
Check Services
Third Party Teller Check	$5	Not stated	None
Money Orders	$2	per item	None
Stop Payment	$30	Not stated	None
Counter Checks	$1	Not stated	None
Non-Member Check Cashing	$5	per item	None
Copy of Check	$5	per item	None
Digital & Electronic
Bill Payment Service	$5	Not stated	None
Account Services
Notary Fee	$5Not compared: Charged per document; comparison unavailable	per document	None
Safe Deposit Box Annual Rental Fees	$30	per year	None
Safe Deposit Drill Fee	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Key Replacement Fee	$35Not compared: Box drilling or key fee	Not stated	None
Garnishment/Lien Processing	$25	per item	None
Subordination Agreement	$75	Not stated	None
Account/Deposit Verifications	$10	per item	None
Lending Fees
Loan Late Charge (audience not stated, treated as personal)	5%($10 minimum)	Not stated	None
Retirement & IRA
Individual Retirement Account (IRA) Withdrawals	$20	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$4.95	per item	None
Other Fees
Statement Reprint	$5	Not stated	None
Loan Extension (Skip-A-Pay)	$25	per item	None
Mortgage Loan Payoff Requests	$25	per item	None
Quick Loan Application Fee	$20	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 3, 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.

Fee change alerts

Get an email when Vantage Point Federal Credit Union's monthly maintenance changes in our data

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