Compared with Utah
3 of 20
compared fees are above the median.
12 below, 5 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
68th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Utah median
of 20 compared; 12 below, 5 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Goldenwest 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 452 credit unions with $1B to $10B 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 Utah median | Published fees above the Utah median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Goldenwest Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.1% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (68th 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 $6.3M in Q2 2026, 5.8% above the same quarter a year earlier ($6.0M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 20 compared published fees sit above the Utah median; 12 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 Utah medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Reward Yourself Checking
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Utah, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 1.1% from Q3 2025 to Q2 2026, to $6.3M. Its share of revenue, 8.1%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$6.3M
Goldenwest 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Goldenwest Federal Credit Union · $4.3B 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Goldenwest Federal Credit Union(this institution) | Ogden, UT | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Advia Federal Credit Union | Kalamazoo, MI | $4.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Affinity Federal Credit Union | Basking Ridge, NJ | $4.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Campus USA Federal Credit Union | Gainesville, FL | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Connexus Federal Credit Union | Wausau, WI | $4.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Consumers Federal Credit Union | lake Forest, IL | $4.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Covantage Federal Credit Union | Antigo, WI | $4.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Empower Federal Credit Union | Syracuse, NY | $4.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| General Electric Federal Credit Union | Cincinnati, OH | $4.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Georgia'S Own Federal Credit Union | Atlanta, GA | $4.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Jovia Financial Federal Credit Union | Westbury, NY | $4.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Michigan Schools And Government Federal Credit Union | Clinton Township, MI | $4.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Navigant Federal Credit Union | Smithfield, RI | $4.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Northwest Federal Credit Union | Herndon, VA | $4.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Numerica Federal Credit Union | Spokane Valley, WA | $4.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Oneaz Federal Credit Union | Phoenix, AZ | $4.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peak Federal Credit Union | Olympia, WA | $4.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Premier Members Federal Credit Union | Broomfield, CO | $4.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rogue Federal Credit Union | Medford, OR | $4.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Safe Federal Credit Union | Folsom, CA | $4.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Sunward Federal Credit Union | Albuquerque, NM | $4.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Technology Federal Credit Union | San Jose, CA | $4.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| United Federal Credit Union | St Joseph, MI | $4.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| University Federal Credit Union | Austin, TX | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Utah Community Federal Credit Union | Provo, UT | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Valley Strong Federal Credit Union | Bakersfield, CA | $4.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $8 among 13 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 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Goldenwest 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 | $6.3M | +$500K | +8.6% |
| Q1 2026 | $5.8M | −$1.5M | −20.1% |
| Q4 2025 | $7.3M | +$1.0M | +16.5% |
| Q3 2025 | $6.2M | +$276K | +4.6% |
| Q2 2025 | $6.0M | +$597K | +11.1% |
| Q1 2025 | $5.4M | −$597K | −10.0% |
| Q4 2024 | $6.0M | +$1.3M | +27.5% |
| Q3 2024 | $4.7M | +$227K | +5.1% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Goldenwest 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 Goldenwest Federal Credit Union by share.
Amounts from Goldenwest Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per transaction
per item
per item
per item
per item
per item
per hour
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Reward Yourself Checking service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Closing Fee (if closed within first six months) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Account Fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research/Reconciliation (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Courtesy Pay | $22Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (per item - checks and electronic) | $22Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned ACH item (per item) | $22Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Non-Goldenwest ATM Transactions (per transaction including inquiries) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Replacement Card (per card) | $3Below the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Federal Reserve Wire Outgoing | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Online Wires (audience not stated, treated as personal) | $15Below the U.S. middle 50% ($20 to $25 nationally) | per transaction | None |
| Federal Reserve Wire Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check (per check) | $1Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Teller Check (per check) | $1Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order (per money order) | $1Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Order (per check, series of checks or electronic item) | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Canadian Check Processing Fee | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Foreign Check Processing Fee | $35Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy (per copy) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Counting (per hour) | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Visa Cash Advance Fee | 1.5%of the advance | Not stated | None |
| Returned Deposited Check - drawer originated (per item) | $18Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary Public | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement | $2Not compared: Annual charge, not per item | per year | None |
| Copy of Transaction History (per year) | $10Not compared: Annual charge, not per item | per year | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 2, 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 Goldenwest Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
56 offices in 2 states (June 30, 2026)
Each dot is one office.
55 of 56 offices on the map. 6 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Ogden, UT | 9 |
| Logan, UT | 4 |
| Saint George, UT | 4 |
| Roy, UT | 2 |
| Salt Lake City, UT | 2 |
| West Jordan, UT | 2 |
| Bluffdale, UT | 1 |
| Boise, ID | 1 |
Largest competitors nearby
Local market: Weber county, UT, around its headquarters.
| 14 in its local market | Deposit share |
|---|---|
| Bank of Utah | 32.4% |
| Transportation Alliance Bank, Inc. d/b/a TAB Bank | 27.5% |
| Zions Bancorporation, N.A. | 13.6% |
| JPMorgan Chase Bank, National Association | 8% |
| Wells Fargo Bank, National Association | 7.3% |
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.