Compared with Kentucky
9 of 24
compared fees are above the median.
7 below, 8 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
93rd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Kentucky median
of 24 compared; 7 below, 8 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Beacon 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 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 Kentucky median | Published fees above the Kentucky median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Beacon Community 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 19% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (93rd 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 $211K in Q2 2026, 16% below the same quarter a year earlier ($251K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
9 of 24 compared published fees sit above the Kentucky median; 7 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 Kentucky medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $0.50, the middle of its prices
Monthly Maintenance
Second Chance Checking
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Kentucky, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 16% from Q3 2025 to Q2 2026, to $211K. Its share of revenue, 19%, is above the 7.2% median for credit unions with under $300M in assets.
$211K
Beacon Community 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. *Non-network ATM: Listed at $0.50 to $1; we compare the midpoint.
Beacon Community Federal Credit Union · $72M 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 |
|---|---|---|---|---|---|---|---|
| Beacon Community Federal Credit Union(this institution) | Louisville, KY | $72M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Access Federal Credit Union | Bristol, PA | $70M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Delta County Federal Credit Union | Delta, CO | $73M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ep Federal Credit Union | Washington, DC | $71M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ever $ Green Federal Credit Union | Rochester, NY | $73M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Galaxy Federal Credit Union | Franklin, PA | $73M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hawaii First Federal Credit Union | Kamuela, HI | $73M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Healthcare Plus Federal Credit Union | Aberdeen, SD | $70M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hurricane Creek Federal Credit Union | Benton, AR | $72M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Integrity Federal Credit Union | Barberton, OH | $73M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Jeep Country Federal Credit Union | Holland, OH | $72M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kh Credit Union, Inc. | Dayton, OH | $71M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Lennox Employees Federal Credit Union | Marshalltown, IA | $73M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Maple Federal Credit Union | Lafayette, LA | $72M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Middle Tennessee Federal Credit Union | Cookeville, TN | $71M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Midwest Regional Federal Credit Union | Kansas City, KS | $72M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New York Times Employees Federal Credit Union | New York, NY | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northern Star Credit Union, Inc. | Portsmouth, VA | $74M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Polam Federal Credit Union | Redwood City, CA | $73M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Professional Fire Fighters Federal Credit Union | Shreveport, LA | $73M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Scott And White Employees Federal Credit Union | Temple, TX | $72M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Star Of Texas Federal Credit Union | austin, TX | $72M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tobacco Valley Teachers Federal Credit Union | Enfield, CT | $72M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| United Poles Federal Credit Union | Perth Amboy, NJ | $72M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Universal City Studios Federal Credit Union | Burbank, CA | $72M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| West Texas Federal Credit Union | Odessa, TX | $70M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $8 among 9 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 20, 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 20, 2026. Total assets from FDIC and NCUA records.
Call reports for Beacon 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 | $211K | +$1K | +0.5% |
| Q1 2026 | $210K | −$32K | −13.2% |
| Q4 2025 | $242K | −$8K | −3.2% |
| Q3 2025 | $250K | −$1K | −0.4% |
| Q2 2025 | $251K | −$2K | −0.8% |
| Q1 2025 | $253K | −$18K | −6.6% |
| Q4 2024 | $271K | −$24K | −8.1% |
| Q3 2024 | $295K | +$6K | +2.1% |
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, Beacon 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 Beacon Community Federal Credit Union by share.
Amounts from Beacon Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per item
per item
per item
per item
per transaction
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Second Chance Checking Monthly fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Close Penalty for new accounts closed within 30 Days | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Balancing Assistance | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper statement fee | $1Below the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay Fee (if applicable) | $36Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Draft, NSF ACH item or NSF Bill Pay item | $36Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF/Overdrawn ATM Withdrawal | $36Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| 6 ATM Withdrawals Free per month | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Fifth Third ATM fee | $0.50Below the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Non-Network ATM | $0.50Below the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire transfer (domestic) Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire transfer Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Certified Checks/Official Checks-Members | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Certified Checks/Official Checks-Non-Members | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment, if item would not cause NSF | $17Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Starter/Temporary Checks | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing Fee Shares Only < | $3Below the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Copies of Drafts | $4Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Sales Draft Copy | $4Inside 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 |
Cash & Deposit | |||
| Return Deposit Item (1 party) | $36Above the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
| Return Deposit Item (2 party) | $15Inside 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 |
| Judicial Attachment (Garnishment) | $34Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Judicial Attachment (Garnishment) | $36Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Cards | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Document Copy | $4Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Skip-A-Pay fee (per loan) | $20Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
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 Beacon Community 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
| Louisville, KY | 3 |
| Shepherdsville, KY | 1 |
Largest competitors nearby
Local market: Jefferson and Bullitt counties, KY, around its headquarters.
| 44 in its local market | Deposit share |
|---|---|
| PNC Bank, National Association | 23.4% |
| JPMorgan Chase Bank, National Association | 20.6% |
| Stock Yards Bank & Trust Company | 11.7% |
| Republic Bank & Trust Company | 11.4% |
| Fifth Third Bank, National Association | 8.5% |
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.