Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Theory Federal Credit Union

Painesville, OhioCredit UnionCleveland Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Reconciliation$10Below the typical range ($11–$25 nationally)

Overdraft & NSFVerified

Overdraft$30Within the typical range ($25–$33 nationally)
At the national medianAt the Ohio median
per item · Source
NSF$30Within the typical range ($25–$32 nationally)
At the national medianAt the Ohio median
per item · Source

ATM & CardVerified

ATM Withdrawals After 6 Free$1.50Within the typical range ($1–$2.25 nationally)
At the national median$0.50 below the Ohio median
per item · Source
ATM/Debit Card Replacement$10Within the typical range ($5–$10 nationally)
At the national medianAt the Ohio median
Source

Wire TransfersVerified

Wire Transfer Outgoing$20Within the typical range ($20–$25 nationally)
$5 below the national median$5 below the Ohio median
Source
Wire Transfer Incoming$10Within the typical range ($5–$15 nationally)
At the national median$5 below the Ohio median
Source

Check ServicesVerified

Certified Check$3Within the typical range ($3–$6 nationally)
$2 below the national median$2 below the Ohio median
Source
Money Order$3Within the typical range ($1.50–$3 nationally)
$1 above the national medianAt the Ohio median
Source
Draft Stop Payment$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$5 below the Ohio median
per item · Source

Cash & DepositVerified

ATM Chargeback$15Within the typical range ($8–$25 nationally)
At the national medianAt the Ohio median
per transaction · Source
Deposit Item Return$25Within the typical range ($8–$25 nationally)
$10 above the national median$10 above the Ohio median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account Reconciliation	$10Below the typical range ($11–$25 nationally)	$7.50 below the national median$7.50 below the Ohio median	—	—	Source
Overdraft & NSFVerified
Overdraft	$30Within the typical range ($25–$33 nationally)	At the national medianAt the Ohio median	per item	—	Source
NSF	$30
ATM & CardVerified
ATM Withdrawals After 6 Free	$1.50Within the typical range ($1–$2.25 nationally)	At the national median$0.50 below the Ohio median	per item	—	Source
ATM/Debit Card Replacement	$10
Wire TransfersVerified
Wire Transfer Outgoing	$20Within the typical range ($20–$25 nationally)	$5 below the national median$5 below the Ohio median	—	—	Source
Wire Transfer Incoming	$10
Check ServicesVerified
Certified Check	$3Within the typical range ($3–$6 nationally)	$2 below the national median$2 below the Ohio median	—	—	Source
Money Order	$3
Cash & DepositVerified
ATM Chargeback	$15Within the typical range ($8–$25 nationally)	At the national medianAt the Ohio median	per transaction	—	Source
Deposit Item Return	$25
Other FeesVerified
Statement Copy	$5Within the typical range ($2–$5 nationally)	$2 above the national median$2 above the Ohio median	—	—	Source

Against Ohio credit unions

Overdraft
$30.00
Of 49 others that publish it, 15 lower, 21 the same and 13 higher.

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$30

Overdraft fee: $30

Overdraft fee is aligned with the national median

13 verified fees collected

Headline fees published

9 of 15

Published fees

Under review

Assets

$38.4M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$38.4M

Total deposits

$36.0M

Service charge income (year to date)

$74K

Fee income ratio

7.3%

Return on assets

0.10%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 66,934 published fee entries from 3,619 institutions

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