Compared with West Virginia
3 of 11
compared fees are above the median.
1 below, 7 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
33rd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the West Virginia median
of 11 compared; 1 below, 7 about the same
See the feesFee schedule read Oct 4, 2026
Call-report figures are for Cape 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 West Virginia median | Published fees above the West Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Cape Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 4, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 4.8% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (33rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
3 of 11 compared published fees sit above the West Virginia median; 1 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 West Virginia medians for fees published by banks and credit unions.
Deposited Item Return
NSF / Returned Item
Stop Payment
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.
Fee income fell 129% from Q3 2025 to Q2 2026, to -$6K. Its share of revenue, 4.8%, is below the 7.2% median for credit unions with under $300M in assets.
-$6K
Cape 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.
Cape Federal Credit Union · $16M 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 |
|---|---|---|---|---|---|---|---|
| Cape Federal Credit Union(this institution) | Clarksburg, WV | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Acme Federal Credit Union | Eastlake, OH | $15M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Alcose Federal Credit Union | White Oak, PA | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ampot Federal Credit Union | Hamilton, MS | $15M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Blackhawk Federal Credit Union | Beaver Falls, PA | $15M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Brockport Federal Credit Union | Brockport, NY | $15M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Capital Area Realtors Federal Credit Union | Rockville, MD | $16M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Cen Tex Manufacturing Federal Credit Union | Brownwood, TX | $15M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Greensboro Federal Credit Union | Greensboro, NC | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Harrison County Federal Credit Union | Nutter Fort, WV | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| L.A. Healthcare Federal Credit Union | Los Angeles, CA | $15M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lakewood Federal Credit Union | Rib Lake, WI | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Member Preferred Federal Credit Union | Fort Worth, TX | $16M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Northwestern Federal Credit Union | Bryan, OH | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Presidents Federal Credit Union | Cleves, OH | $15M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Profinance Federal Credit Union | Merrillville, IN | $15M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Puget Sound Refinery Federal Credit Union | Anacortes, WA | $16M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| River Town Federal Credit Union | Fort Smith, AR | $15M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Romney Federal Credit Union | Romney, WV | $15M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Scott Associates Federal Credit Union | Marysville, OH | $15M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Southernmost Federal Credit Union | Key West, FL | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tcp Federal Credit Union | Rural Hall, NC | $16M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Tulane/Loyola Federal Credit Union | New Orleans, LA | $15M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Virginia United Methodist Federal Credit Union | North Chesterfield, VA | $15M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Winslow Santa Fe Federal Credit Union | Winslow, AZ | $15M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wisconsin Medical Federal Credit Union | Green Bay, WI | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(out-of-network atm)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1 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 30, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Cape Federal Credit Union does not publish an out-of-network atm 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 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Cape Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | -$6K | −$28K | |
| Q1 2026 | $22K | +$1K | +4.8% |
| Q4 2025 | $21K | $0 | 0.0% |
| Q3 2025 | $21K | +$2K | +10.5% |
| Q2 2025 | $19K | −$1K | −5.0% |
| Q1 2025 | $20K | −$1K | −4.8% |
| Q4 2024 | $21K | $0 | 0.0% |
| Q3 2024 | $21K | +$1K | +5.0% |
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, Cape 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 Cape Federal Credit Union by share.
Amounts from Cape 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 item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Per month | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research Per hour | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Mail Per item | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Non-Sufficient Funds Per item | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Daily Negative Balance Daily | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| Overdraft Transfer Fee Per transfer | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement Per card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Check Services | |||
| Stop Pay Check/Electronic Pmt Per item | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing: accounts Per check | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Copy of Cashiers Check Per check | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Check Per item | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Return Deposited Item Per item | $30Above the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| 10x10 Annual | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3x10 Annual | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5x10 Annual | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Drilled Box Per time | $75Not compared: Box drilling or key fee | Not stated | None |
Other Fees | |||
| Fax | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | Per fax |
| Statement Reprint Per month | $5Not compared: Monthly charge, not per item | per month | None |
| Skip-A-Pay Month/Bi-Weekly | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 4, 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 Cape Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Clarksburg, WV | 1 |
Largest competitors nearby
Local market: Harrison county, WV, around its headquarters.
| 18 in its local market | Deposit share |
|---|---|
| WesBanco Bank, Inc. | 19.8% |
| The Huntington National Bank | 17.9% |
| Truist Bank | 17.8% |
| JPMorgan Chase Bank, National Association | 11.7% |
| MVB Bank, Inc | 10.2% |
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.