Compared with Kentucky
1 of 9
compared fees are above the median.
4 below, 4 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
54th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Kentucky median
of 9 compared; 4 below, 4 about the same
See the feesFee schedule read Oct 26, 2026
Call-report figures are for Northern Kentucky 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 Kentucky median | Published fees above the Kentucky median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Northern Kentucky 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 7.7% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (54th 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 $43K in Q2 2026, 34% above the same quarter a year earlier ($32K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
1 of 9 compared published fees sit above the Kentucky 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 Kentucky medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Kentucky, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 10% from Q3 2025 to Q2 2026, to $43K. Its share of revenue, 7.7%, is above the 7.2% median for credit unions with under $300M in assets.
$43K
Northern Kentucky 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.
Northern Kentucky Federal Credit Union · $43M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Northern Kentucky Federal Credit Union(this institution) | Highland Heights, KY | $43M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 705 Federal Credit Union | Lafayette, LA | $43M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| B.O.N.D. Community Federal Credit Union | Atlanta, GA | $44M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| B&V Federal Credit Union | Overland Park, KS | $43M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| City-County Employees Federal Credit Union | Clearwater, FL | $42M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Credit Union of Emporia | Emporia, KS | $42M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Epb Employees Federal Credit Union | Chattanooga, TN | $43M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Golden Rule Community Federal Credit Union | Ripon, WI | $43M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| H E A Federal Credit Union | Warner Robins, GA | $43M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Haynes Community Federal Credit Union | Kokomo, IN | $42M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Hope Federal Credit Union | Bridgeport, WV | $43M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Mcpherson Co-Op Federal Credit Union | Mcpherson, KS | $44M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mississippi National Guard Federal Credit Union | Jackson, MS | $43M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Omaha Douglas Federal Credit Union | Omaha, NE | $43M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Parks Heritage Federal Credit Union | Glens Falls, NY | $42M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Port City Federal Credit Union | Muskegon, MI | $42M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| River Region Federal Credit Union | Lutcher, LA | $42M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sioux Valley Community Federal Credit Union | Sioux City, IA | $44M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Solutions Federal Credit Union | Elmira, NY | $43M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Spencerport Federal Credit Union | Spencerport, NY | $43M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Streator Community Federal Credit Union | Streator, IL | $42M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Travis County Federal Credit Union | Austin, TX | $43M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wea Federal Credit Union | Madison, WI | $43M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| West Metro Schools Federal Credit Union | Hopkins, MN | $44M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wyrope Williamsport Federal Credit Union | S Williamsport, PA | $44M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| York Educational Federal Credit Union | York, PA | $43M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ 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 $4.50 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 Oct 27, 2026.
Monthly maintenance fee in dollars, one mark per institution
Northern Kentucky 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 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Northern Kentucky 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 | $43K | −$5K | −10.4% |
| Q1 2026 | $48K | +$6K | +14.3% |
| Q4 2025 | $42K | +$3K | +7.7% |
| Q3 2025 | $39K | +$7K | +21.9% |
| Q2 2025 | $32K | −$1K | −3.0% |
| Q1 2025 | $33K | −$7K | −17.5% |
| Q4 2024 | $40K | +$5K | +14.3% |
| Q3 2024 | $35K | +$1K | +2.9% |
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, Northern Kentucky 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 Northern Kentucky Federal Credit Union by share.
Amounts from Northern Kentucky Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee | $20Not compared: Annual charge, not monthly | per year | None |
| Account Research | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Courtesy Pay Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Return Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Fee for ATM Transaction | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| International Transaction Fee | 1%of the transaction | Not stated | None |
| International Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Check Services | |||
| Teller Check Fee: 1 free per day, after | $1Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order Fee | $1Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Pay Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing Fee | 1% | Not stated | None |
| Check Cashing Fee (audience not stated, treated as personal) | 1% | Not stated | None |
| Copy of Share Draft | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Safe Deposit Box Fee | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| IRS Levy Processing Fee | $20Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Late Fee for Loans | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Late Fee for VISA credit cards | $20Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Statement Copies | $1Not compared: Charged per page; comparison unavailable | per page | 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 Northern Kentucky Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Florence, KY | 1 |
| Highland Heights, KY | 1 |
Largest competitors nearby
Local market: Campbell county, KY, around its headquarters.
| 11 in its local market | Deposit share |
|---|---|
| Fifth Third Bank, National Association | 28.1% |
| Truist Bank | 15.3% |
| U.S. Bank National Association | 13.1% |
| PNC Bank, National Association | 10.6% |
| WesBanco Bank, Inc. | 10.6% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
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