Cape Federal Credit Union

Headquarters: Clarksburg, West Virginia
Charter: Credit Union
Assets: $15.5M
Fed district: Richmond
Regulator: NCUA

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

Source: its fee schedule, read Oct 4, 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 Oct 4, 2026

How these figures are measured

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) 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.	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

Details

Source: NCUA 5300 call report
Entity: Cape 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

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
Cape Federal Credit Union: $30
Cape Federal Credit Union: $30
U.S. median: no median
Stop Payment
Cape Federal Credit Union: $30
Cape Federal Credit Union: $30
U.S. median: no median
OD Protection Transfer
Cape Federal Credit Union: $3
Cape Federal Credit Union: $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 4, 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 129% from Q3 2025 to Q2 2026, to -$6K.

Fee income, Q2 2026

-$6K

$21KQ3 2025

$21KQ4 2025

$22KQ1 2026

-$6KQ2 2026

Against the median

Cape 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

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.

Credit unions only
$15M to $16M 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
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.

Fee type

Peer pricing snapshot

Cape Federal Credit Union does not publish an out-of-network ATM fee in the index.

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.

Cape Federal Credit UnionPeer (equal prices stack)Peer medianInclude $5 outlierShown past the axis break, not to scale, so the rest of the set has room.

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.

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 Cape Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: -$6K
vs prior quarter: −$28K; from Q1 2026
vs a year earlier: −$25K; from Q2 2025
vs start of range: −$27K; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Cape 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	-$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%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Dormant Account Per month$5
per month
Research Per hour$20
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail Per item$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Non-Sufficient Funds Per item$30
per item
Daily Negative Balance Daily$5
per day
Overdraft Transfer Fee Per transfer$3
per item

ATM & Card

Debit Card Replacement Per card$10
per item

Check Services

Stop Pay Check/Electronic Pmt Per item$30
per item
Check Cashing: accounts Per check$5
per item
Copy of Cashiers Check Per check$10
per item
Copy of Check Per item$5
per item

Cash & Deposit

Return Deposited Item Per item$30
per item

Account Services

10x10 Annual$100
per year
3x10 Annual$35
per year
5x10 Annual$60
per year
Drilled Box Per time$75
Not compared: Box drilling or key fee

Other Fees

Fax$2
per item · Per fax
Statement Reprint Per month$5
Not compared: Monthly charge, not per item
per month
Skip-A-Pay Month/Bi-Weekly$30

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Per month	$5	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	$30	per item	None
Daily Negative Balance Daily	$5	per day	None
Overdraft Transfer Fee Per transfer	$3	per item	None
ATM & Card
Debit Card Replacement Per card	$10	per item	None
Check Services
Stop Pay Check/Electronic Pmt Per item	$30	per item	None
Check Cashing: accounts Per check	$5	per item	None
Copy of Cashiers Check Per check	$10	per item	None
Copy of Check Per item	$5	per item	None
Cash & Deposit
Return Deposited Item Per item	$30	per item	None
Account Services
10x10 Annual	$100	per year	None
3x10 Annual	$35	per year	None
5x10 Annual	$60	per year	None
Drilled Box Per time	$75Not compared: Box drilling or key fee	Not stated	None
Other Fees
Fax	$2	per item	Per fax
Statement Reprint Per month	$5Not compared: Monthly charge, not per item	per month	None
Skip-A-Pay Month/Bi-Weekly	$30	Not stated	None

Correct a fee source

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.

Fee change alerts

Get an email when Cape Federal Credit Union's safe deposit box changes in our data

We check once a day and send one email covering every change.