Compared with Utah
11 of 17
compared fees are above the median.
4 below, 2 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
81st percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Utah median
of 17 compared; 4 below, 2 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for Desert Rivers 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 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. | Desert Rivers Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 13% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (81st 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 $353K in Q2 2026, 18% above the same quarter a year earlier ($299K).
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 Utah median; 4 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.
Monthly Maintenance
Premier Checking Requirements $4 to $15 · Premier Checking Brochure $15
Compared at $15, the middle of its prices
Overdraft (OD)
NSF / Returned Item
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 15% from Q3 2025 to Q2 2026, to $353K. Its share of revenue, 13%, is above the 7.2% median for credit unions with under $300M in assets.
$353K
Desert Rivers 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. *Monthly maintenance: Listed at $4 to $15; we compare the midpoint.
Desert Rivers Federal Credit Union · $117M 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 |
|---|---|---|---|---|---|---|---|
| Desert Rivers Federal Credit Union(this institution) | Moab, UT | $117M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| A.A.E.C. Federal Credit Union | Arlington Heights, IL | $119M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Brewer Federal Credit Union | Brewer, ME | $118M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Centex Citizens Federal Credit Union | Mexia, TX | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Circle Federal Credit Union | Niles, MI | $117M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cleveland Selfreliance Federal Credit Union | Parma, OH | $114M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Deepwater Industries Federal Credit Union | Deepwater, NJ | $114M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Hancock Federal Credit Union | Findlay, OH | $118M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| L G & W Federal Credit Union | Memphis, TN | $115M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| La Loma Federal Credit Union | Loma Linda, CA | $117M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Madison County Federal Credit Union | Anderson, IN | $114M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Marquette Community Federal Credit Union | Marquette, MI | $117M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mercer County Community Federal Credit Union | Hermitage, PA | $115M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Star Federal Credit Union | Cook, MN | $116M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Omaha Federal Credit Union | Omaha, NE | $118M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| One Credit Union of Ny | Cheektowaga, NY | $114M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peoples Advantage Federal Credit Union | Petersburg, VA | $115M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Prestige Community Federal Credit Union | Dallas, TX | $119M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Richland Federal Credit Union | Sidney, MT | $119M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Sea Air Federal Credit Union | Seal Beach, CA | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sound Federal Credit Union | Norwalk, CT | $116M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| United Local Federal Credit Union | Fresno, CA | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Valley Federal Credit Union | Brownsville, TX | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Valley Federal Credit Union | Salem, OR | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| White Rose Federal Credit Union | York, PA | $115M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Wichita Falls Teachers Federal Credit Union | Wichita Falls, TX | $116M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $15, the middle of its three prices, against a peer median of $6 among 8 publishing peers.
Its three checking prices are $4, $15 and $15.
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 27, 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 Oct 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Desert Rivers Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 23 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $353K | +$66K | +23.0% |
| Q1 2026 | $287K | $0 | 0.0% |
| Q4 2025 | $287K | −$20K | −6.5% |
| Q3 2025 | $307K | +$8K | +2.7% |
| Q2 2025 | $299K | +$65K | +27.8% |
| Q1 2025 | $234K | −$35K | −13.0% |
| Q4 2024 | $269K | −$7K | −2.5% |
| Q3 2024 | $276K | +$1K | +0.4% |
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, Desert Rivers 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 Desert Rivers Federal Credit Union by share.
Amounts from Desert Rivers Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per hour
per item
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Premier Checking Brochure Monthly service fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Savings below Minimum Balance | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research/Reconciliation | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Mailed Statements | $3.50Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Protection Comparison: Cost | $24Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Return Item Fee | $24Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Negative Balance Fee | $24Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Overdraft Transfer Fee-after 3 | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Foreign Transaction | 0.8%of the transaction | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer (Outgoing) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| International Wire Transfer (Outgoing) | $42Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Temporary Checks | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Items Sent for Collection | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Lawyer Collection Fee | $100Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH NSF Item/Return | $24Inside the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Item Returned | $24Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Garnishment/Levy Fee | $65Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Loan Late Payment | $35Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
| Travel Card Reload | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Loan Modification Fee | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Skip Payment Fee | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 16, 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 Desert Rivers Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Blanding, UT | 1 |
| Green River, UT | 1 |
| Moab, UT | 1 |
| Monticello, UT | 1 |
Largest competitors nearby
Local market: Grand county, UT, around its headquarters.
| 2 in its local market | Deposit share |
|---|---|
| Zions Bancorporation, N.A. | 57.7% |
| Wells Fargo Bank, National Association | 42.3% |
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.