Compared with Maryland
8 of 21
compared fees are above the median.
4 below, 9 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
69th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Maryland median
of 21 compared; 4 below, 9 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for Skypoint 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 Maryland median | Published fees above the Maryland median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Skypoint Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 10% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (69th 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 $412K in Q2 2026, about level with the same quarter a year earlier ($414K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 21 compared published fees sit above the Maryland median; 4 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 Maryland medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 8.0% from Q3 2025 to Q2 2026, to $412K. Its share of revenue, 10%, is above the 7.2% median for credit unions with under $300M in assets.
$412K
Skypoint 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.
Skypoint Federal Credit Union · $243M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Skypoint Federal Credit Union(this institution) | Germantown, MD | $243M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bossier Federal Credit Union | Bossier City, LA | $245M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Building Trades Federal Credit Union | Maple Grove, MN | $250M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Bull Dog Federal Credit Union | Hagerstown, MD | $238M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Corazo Federal Credit Union | El Centro, CA | $244M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Encompass Federal Credit Union | Tipton, IN | $241M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Service Federal Credit Union | Groveport, OH | $236M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Geovista Federal Credit Union | Hinesville, GA | $247M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greater Alliance Federal Credit Union | Paramus, NJ | $248M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Illinois State Federal Credit Union | Normal, IL | $249M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Investex Federal Credit Union | Humble, TX | $245M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jersey Shore Federal Credit Union | Northfield, NJ | $246M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Luso Federal Credit Union | Ludlow, MA | $245M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mc Federal Credit Union | Danville, PA | $247M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meritus Federal Credit Union | Lafayette, LA | $246M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Michigan One Community Federal Credit Union | Ionia, MI | $240M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Novation Federal Credit Union | Oakdale, MN | $244M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nw Priority Federal Credit Union | Portland, OR | $248M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ohio Valley Community Federal Credit Union | Clarington, OH | $244M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pioneer Appalachia Federal Credit Union | Charleston, WV | $245M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pyramid Federal Credit Union | Tucson, AZ | $248M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Seaboard Federal Credit Union | Bucksport, ME | $246M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Shrewsbury Federal Credit Union | Shrewsbury, MA | $249M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southbridge Federal Credit Union | Southbridge, MA | $242M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sterling Federal Credit Union | Sterling, CO | $247M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| True North Federal Credit Union | Juneau, AK | $236M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 13 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 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Skypoint 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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Skypoint 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 | $412K | +$18K | +4.6% |
| Q1 2026 | $394K | −$40K | −9.2% |
| Q4 2025 | $434K | −$14K | −3.1% |
| Q3 2025 | $448K | +$34K | +8.2% |
| Q2 2025 | $414K | +$10K | +2.5% |
| Q1 2025 | $404K | −$35K | −8.0% |
| Q4 2024 | $439K | −$22K | −4.8% |
| Q3 2024 | $461K | +$30K | +7.0% |
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, Skypoint 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 Skypoint Federal Credit Union by share.
Amounts from Skypoint Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per month
per year
per year
per year
per year
per year
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Low Balance Account (less than $100) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closure (if account closed within six months) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment | $100Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research/Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Nonsufficient Funds (NSF/Uncollected) – Includes checks, LOC checks, ACH | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Automatic Overdraft Transfer (from Savings) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Card Rush | $40Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer: Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer: Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check (third party) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| SkyPoint Cashier’s Check | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment (Check, ACH and Bill Payment) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Photocopies: Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Payment Service | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Machine | No chargeInside the U.S. middle 50% ($0 to $2 nationally) | Not stated | None |
| Returned Check | $25Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
| Returned Deposit Item | $30Above the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Drilling | $150Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10x10 | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3X10 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3X5 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5X10 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5X5 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Levy (Attachments/Garnishments) | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Account Verification | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment | $25Not compared: Monthly charge, not per item | per month | None |
Other Fees | |||
| Duplicate Lien Release | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 15, 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 Skypoint 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
| Germantown, MD | 1 |
| Rockville, MD | 1 |
| Silver Spring, MD | 1 |
Largest competitors nearby
Local market: Montgomery county, MD, around its headquarters.
| 40 in its local market | Deposit share |
|---|---|
| Forbright Bank | 13.7% |
| Capital One, National Association | 13.4% |
| Bank of America, National Association | 13.1% |
| EagleBank | 11.3% |
| Truist Bank | 9% |
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.