Four fees from its schedule are published so far: overdraft $30, NSF / returned item $30, collection items $25 and early account closure $25.
Source: its fee schedule, read Oct 10, 2026.
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
48th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 10, 2026
Call-report figures are for First Community 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 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. | First Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 10, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.6% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (48th 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 $1.5M in Q2 2026, 5.1% below the same quarter a year earlier ($1.6M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
0 of 4 compared published fees sit above the North Dakota median; 0 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 North Dakota medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Collection Items
Each amount links to the fee schedule it was read from. Medians for North Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Call reports for First Community 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 | $1.5M | +$285K | +22.8% |
| Q1 2026 | $1.3M | −$211K | −14.4% |
| Q4 2025 | $1.5M | +$23K | +1.6% |
| Q3 2025 | $1.4M | −$179K | −11.1% |
| Q2 2025 | $1.6M | +$315K | +24.2% |
| Q1 2025 | $1.3M | −$58K | −4.3% |
| Q4 2024 | $1.4M | −$21K | −1.5% |
| Q3 2024 | $1.4M | −$196K | −12.4% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, First Community 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 First Community Federal Credit Union by share.
Amounts from First Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Health Savings Account Closure Fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Overdraft & NSF | |||
| Overdraft/Check Defender | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Inactivity of 12 months or moreNSF/Returned Item | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
Check Services | |||
| Canadian Check Processing (per item) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Oct 10, 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 First Community Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
27 offices in 2 states (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Fargo, ND | 3 |
| Jamestown, ND | 3 |
| Bismarck, ND | 1 |
| Crookston, MN | 1 |
| Devils Lake, ND | 1 |
| East Grand Forks, MN | 1 |
| Grand Forks, ND | 1 |
| Hankinson, ND | 1 |
Largest competitors nearby
Local market: Stutsman county, ND, around its headquarters.
| 7 in its local market | Deposit share |
|---|---|
| Unison Bank | 34.5% |
| Bank Forward | 18.9% |
| Gate City Bank | 13.7% |
| Dacotah Bank | 11.9% |
| Wells Fargo Bank, National Association | 11.5% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows