Compared with Colorado
11 of 17
compared fees are above the median.
3 below, 3 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
87th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Colorado median
of 17 compared; 3 below, 3 about the same
See the feesFee schedule read Oct 20, 2026
Call-report figures are for Delta County 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 Colorado median | Published fees above the Colorado median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Delta County Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 20, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 15% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (87th 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 $103K in Q2 2026, 6.4% below the same quarter a year earlier ($110K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
11 of 17 compared published fees sit above the Colorado median; 3 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 Colorado medians for fees published by banks and credit unions.
NSF / Returned Item
Non-Network ATM
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Colorado, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 7.2% from Q3 2025 to Q2 2026, to $103K. Its share of revenue, 15%, is above the 7.2% median for credit unions with under $300M in assets.
$103K
Delta County 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.
Delta County Federal Credit Union · $73M 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 |
|---|---|---|---|---|---|---|---|
| Delta County Federal Credit Union(this institution) | Delta, CO | $73M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Albright Federal Credit Union | Bethel, CT | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Altamaha Federal Credit Union | Jesup, GA | $74M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Beacon Community Federal Credit Union | Louisville, KY | $72M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Champion Federal Credit Union | Toledo, OH | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cleveland-Bradley Cty Teacher Federal Credit Union | Cleveland, TN | $74M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ep Federal Credit Union | Washington, DC | $71M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ever $ Green Federal Credit Union | Rochester, NY | $73M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Galaxy Federal Credit Union | Franklin, PA | $73M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hawaii First Federal Credit Union | Kamuela, HI | $73M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hurricane Creek Federal Credit Union | Benton, AR | $72M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Integrity Federal Credit Union | Barberton, OH | $73M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Jeep Country Federal Credit Union | Holland, OH | $72M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| L C E Federal Credit Union | Painesville, OH | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lennox Employees Federal Credit Union | Marshalltown, IA | $73M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Maple Federal Credit Union | Lafayette, LA | $72M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Midwest Regional Federal Credit Union | Kansas City, KS | $72M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New York Times Employees Federal Credit Union | New York, NY | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northern Star Credit Union, Inc. | Portsmouth, VA | $74M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Polam Federal Credit Union | Redwood City, CA | $73M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Professional Fire Fighters Federal Credit Union | Shreveport, LA | $73M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Scott And White Employees Federal Credit Union | Temple, TX | $72M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Star Of Texas Federal Credit Union | austin, TX | $72M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tobacco Valley Teachers Federal Credit Union | Enfield, CT | $72M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| United Poles Federal Credit Union | Perth Amboy, NJ | $72M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Universal City Studios Federal Credit Union | Burbank, CA | $72M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.50 among 10 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 26, 2026.
Monthly maintenance fee in dollars, one mark per institution
Delta County 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 26, 2026. Total assets from FDIC and NCUA records.
Call reports for Delta County 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 | $103K | $0 | 0.0% |
| Q1 2026 | $103K | −$2K | −1.9% |
| Q4 2025 | $105K | −$6K | −5.4% |
| Q3 2025 | $111K | +$1K | +0.9% |
| Q2 2025 | $110K | +$15K | +15.8% |
| Q1 2025 | $95K | −$13K | −12.0% |
| Q4 2024 | $108K | −$1K | −0.9% |
| Q3 2024 | $109K | +$3K | +2.8% |
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, Delta County 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 Delta County Federal Credit Union by share.
Amounts from Delta County Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour · Account Reconciliation - per hour | $45.00
per hour · Account Research - per hour | $45.00
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account: Early closure within 90 days | $12.50Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Reconciliation - per hour | $45Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation - per hour | $45.00 |
| Account Research - per hour | $45Not compared: Charged per hour; comparison unavailable | per hour | Account Research - per hour | $45.00 |
| Returned Mail | $15Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF | $40Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Atm withdrawals (over 6 per month) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Atm Card replacement | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Visa Debit Card replacement | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire transfer - domestic - in/out | $35Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Stop payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Image Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Origination set-up | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Returned Fee (Per Item) | $40Above the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
| Bill pay - donations fee | $1.99Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill pay - gift pay fee | $2.99Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Online Banking/Bill Pay/eStatements | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Loose coin | 5% | Not stated | None |
| Returned Deposit – Per Item | $12Inside the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
| Bag - locking - key replacement | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Garnishment/levy | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of deposit - loan account | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late fee - Consumer Loan | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Late fee - Mortgage Loan | $50Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Statement print out | $6Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Application fee | $45Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Mortgage Payoff Request | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 20, 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 Delta County 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
| Delta, CO | 1 |
| Hotchkiss, CO | 1 |
Largest competitors nearby
Local market: Delta county, CO, around its headquarters.
| 7 in its local market | Deposit share |
|---|---|
| Bank of Colorado | 28.6% |
| Alpine Bank | 16.2% |
| United Business Bank | 15.2% |
| Wells Fargo Bank, National Association | 13.6% |
| U.S. Bank National Association | 10.9% |
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.