Compared with Maryland
7 of 13
compared fees are above the median.
4 below, 2 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
23rd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Maryland median
of 13 compared; 4 below, 2 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for Hema 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. | Hema 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
Fee income was 3.5% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (23rd 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 $6K in Q2 2026, about level with the same quarter a year earlier ($6K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 13 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.
Non-Network ATM
Wire Transfer (Domestic Out)
Stop Payment
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 was about level from Q3 2025 to Q2 2026, at $6K. Its share of revenue, 3.5%, is below the 7.2% median for credit unions with under $300M in assets.
$6K
Hema 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.
Hema Federal Credit Union · $17M 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 |
|---|---|---|---|---|---|---|---|
| Hema Federal Credit Union(this institution) | Silver Spring, MD | $17M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 1166 Federal Credit Union | Swedesboro, NJ | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Academic Employees Federal Credit Union | Columbia, MO | $17M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alcose Federal Credit Union | White Oak, PA | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Anmed Federal Credit Union | Anderson, SC | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Berkeley Community Federal Credit Union | Moncks Corner, SC | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Clifty Creek Employees Federal Credit Union | Madison, IN | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cm Members Federal Credit Union | Columbus, MS | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farm Credit Employees Federal Credit Union | Saint Paul, MN | $17M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Gallup Federal Credit Union | Omaha, NE | $16M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Gateway Federal Credit Union | Clarksville, TN | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Jefferson County Teachers Federal Credit Union | Monticello, FL | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Lakewood Federal Credit Union | Rib Lake, WI | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Lithium Federal Credit Union | Bessemer City, NC | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Long Island Alliance Federal Credit Union | Hauppauge, NY | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Northwestern Federal Credit Union | Bryan, OH | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| One South Federal Credit Union | Natchez, MS | $17M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Ottawa Hiway Federal Credit Union | Ottawa, IL | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Palace City Federal Credit Union | Mitchell, SD | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Parthenon Federal Credit Union | Nashville, TN | $17M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Skyline Federal Credit Union | Nashville, TN | $17M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Southernmost Federal Credit Union | Key West, FL | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Spokane Media Federal Credit Union | Spokane, WA | $17M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Tcp Federal Credit Union | Rural Hall, NC | $16M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Varex Federal Credit Union | Salt Lake City, UT | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| White County Federal Credit Union | Searcy, AR | $17M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(domestic wire)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $20, against a peer median of $20 among 11 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.
Domestic wire fee in dollars, one mark per institution
Against this institution's domestic wire 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.
Call reports for Hema 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 | $6K | +$2K | +50.0% |
| Q1 2026 | $4K | −$2K | −33.3% |
| Q4 2025 | $6K | $0 | 0.0% |
| Q3 2025 | $6K | $0 | 0.0% |
| Q2 2025 | $6K | +$1K | +20.0% |
| Q1 2025 | $5K | −$1K | −16.7% |
| Q4 2024 | $6K | −$2K | −25.0% |
| Q3 2024 | $8K | $0 | 0.0% |
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, Hema 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 Hema Federal Credit Union by share.
Amounts from Hema Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant/Inactive Account (e) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment Processing | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research/Reconciliation (min 1 hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Wellness Builder Savings Account Excess Withdrawal Fee (One (1) free withdrawal per month) | $25Above the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
| Incorrect Address/Returned Mail | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
ATM & Card | |||
| ATM Withdrawals - over 10 withdrawals per month (b) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
Wire Transfers | |||
| Domestic Wire Transfer | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Transfer/SWIFT Fee International Wire Transfer | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Incoming International Wire Transfer | $35Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Credit Union Official Check (a) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Foreign Check Collection (d) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Account Services | |||
| Garnishment | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levy/Lien Processing | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Lien Subordination | $200Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Mortgage Loan Modification (d) | $500Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip-a-Payment (e) | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
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.
Where Hema Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Silver Spring, MD | 2 |
| Salt Lake City, UT | 1 |
Largest competitors nearby
Local market: Montgomery and Prince George's counties, MD, around its headquarters.
| 56 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 16.5% |
| Capital One, National Association | 12.5% |
| Truist Bank | 12.3% |
| Forbright Bank | 10.8% |
| EagleBank | 8.9% |
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.