Element Federal Credit Union

Headquarters: Charleston, West Virginia
Charter: Credit Union
Assets: $47.3M
Fed district: Richmond
Regulator: NCUA

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

Source: its fee schedule, read Nov 1, 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 1, 2026

How these figures are measured

Call-report figures are for Element 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.	Element Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Element 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 $212K in Q2 2026, 18% below the same quarter a year earlier ($258K).
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)
Element Federal Credit Union: $20
Element Federal Credit Union: $20
U.S. median: no median
NSF / Returned Item
Element Federal Credit Union: $25
Element Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Element Federal Credit Union: $30
Element Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for West 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).
West Virginia: Banks and credit unions headquartered in West 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 7.4% from Q3 2025 to Q2 2026, to $212K.

Fee income, Q2 2026

$212K

$229KQ3 2025

$278KQ4 2025

$216KQ1 2026

$212KQ2 2026

Against the median

Element 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

Element Federal Credit Union · $47M 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
$46M to $49M 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
Element Federal Credit Union(this institution)	Charleston, WV	$47M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Afl Cio Employees Federal Credit Union	Washington, DC	$48M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Bloomington Municipal Federal Credit Union	Bloomington, IL	$46M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Capitol View Federal Credit Union	Des Moines, IA	$46M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Children'S Medical Center Federal Credit Union	Cincinnati, OH	$47M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Dow Great Western Federal Credit Union	Antioch, CA	$48M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Employees Federal Credit Union	Tulsa, OK	$47M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Enfield Community Federal Credit Union	Enfield, CT	$46M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
H. E. Telephone Federal Credit Union	Rochelle Park, NJ	$46M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hampton Roads Educ Credit Union Inc	Hampton, VA	$47M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Huntingtonized Federal Credit Union	Huntington, WV	$47M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
Kansas City Federal Credit Union	Kansas City, MO	$46M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Lufkin Federal Credit Union	Lufkin, TX	$48M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Marathon County Employees Federal Credit Union	Wausau, WI	$47M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mountain Star Federal Credit Union	El Paso, TX	$46M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Rochester & Monroe Co Emp Federal Credit Union	Rochester, NY	$46M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Skyline Financial Federal Credit Union	Waterbury, CT	$48M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Southeastern Arizona Federal Credit Union	Douglas, AZ	$48M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Southern Middlesex Co Tchrs Federal Credit Union	East Brunswick, NJ	$48M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
St. Tammany Federal Credit Union	Slidell, LA	$47M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Star Financial Federal Credit Union	Corpus Christi, TX	$49M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Starr County Teachers Federal Credit Union	Rio Grande City, TX	$47M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Stewart'S Federal Credit Union	Saratoga Springs, NY	$47M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Suny Fredonia Federal Credit Union	Fredonia, NY	$48M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Syracuse Cooperative Federal Credit Union	Syracuse, NY	$47M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Worcester Fire Dept. Federal Credit Union	Worcester, MA	$47M	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 · 17 publish this fee(domestic wire)

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

Fee type

Peer pricing snapshot

Domestic wire is $10 (50%) above the median of similar-sized credit unions.

Its published price is $30, against a peer median of $20 among 17 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 2, 2026.

Domestic wire fee in dollars, one mark per institution

Element Federal Credit Un…Peer (equal prices stack)Peer median

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 Nov 2, 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 Element 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: $212K
vs prior quarter: −$4K−1.9%; from Q1 2026
vs a year earlier: −$46K−17.8%; from Q2 2025
vs start of range: −$37K−14.9%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Element 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	$212K	−$4K	−1.9%
Q1 2026	$216K	−$62K	−22.3%
Q4 2025	$278K	+$49K	+21.4%
Q3 2025	$229K	−$29K	−11.2%
Q2 2025	$258K	+$7K	+2.8%
Q1 2025	$251K	−$37K	−12.8%
Q4 2024	$288K	+$39K	+15.7%
Q3 2024	$249K	+$18K	+7.8%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Early Account Closure$25
Inactive Account$25
per month
Account reconciliation$40
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement$3
Wrong Address$5

Overdraft & NSF

Courtesy Pay$20
Non-Sufficient Funds Return$25
Returned Check/ACH$25
per item
Overdraft Transfer$1
per item

ATM & Card

Debit Card Replacement$5

Wire Transfers

Wire Transfer - Outgoing$30
per item
Wire Transfer - Incoming$15
per item

Check Services

Cashier's Check$3
per item
Money Order$3
per item
Stop Payment$20
Counter ChecksNo charge
Check Cashing$5
per item
Foreign Item Collection$35
per item
Check Copy - in branch$5
per item
Check Copy - onlineNo charge

Digital & Electronic

Bill Pay Inactive Fee$6
Bill Pay ServiceNo charge

Cash & Deposit

Coin Machine10%
Returned Deposit Item$25
per item

Account Services

Notary ServiceNo charge
Safe Deposit Box Rent$20
per year
Legal Process$50
Verification of Deposit$25
per item

Retirement & IRA

IRA Closure$25

Gift & Prepaid Cards

VISA Gift Card$3

Other Fees

Outgoing Fax$5
Photocopy$1
Not compared: Charged per page; comparison unavailable
per page
Statement Copy$5

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure	$25	Not stated	None
Inactive Account	$25	per month	None
Account reconciliation	$40Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement	$3	Not stated	None
Wrong Address	$5	Not stated	None
Overdraft & NSF
Courtesy Pay	$20	Not stated	None
Non-Sufficient Funds Return	$25	Not stated	None
Returned Check/ACH	$25	per item	None
Overdraft Transfer	$1	per item	None
ATM & Card
Debit Card Replacement	$5	Not stated	None
Wire Transfers
Wire Transfer - Outgoing	$30	per item	None
Wire Transfer - Incoming	$15	per item	None
Check Services
Cashier's Check	$3	per item	None
Money Order	$3	per item	None
Stop Payment	$20	Not stated	None
Counter Checks	No charge	Not stated	None
Check Cashing	$5	per item	None
Foreign Item Collection	$35	per item	None
Check Copy - in branch	$5	per item	None
Check Copy - online	No charge	Not stated	None
Digital & Electronic
Bill Pay Inactive Fee	$6	Not stated	None
Bill Pay Service	No charge	Not stated	None
Cash & Deposit
Coin Machine	10%	Not stated	None
Returned Deposit Item	$25	per item	None
Account Services
Notary Service	No charge	Not stated	None
Safe Deposit Box Rent	$20	per year	None
Legal Process	$50	Not stated	None
Verification of Deposit	$25	per item	None
Retirement & IRA
IRA Closure	$25	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$3	Not stated	None
Other Fees
Outgoing Fax	$5	Not stated	None
Photocopy	$1Not compared: Charged per page; comparison unavailable	per page	None
Statement Copy	$5	Not stated	None

Correct a fee source

Nov 1, 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 Element Federal Credit Union's safe deposit box changes in our data

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