Compared with Kentucky
1 of 2
compared fees are above the median.
1 below, 0 about the same.
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
22nd percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Kentucky median
of 2 compared; 1 below, 0 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Ashland 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 569 credit unions with $300M to $1B 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. | Ashland Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.2% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (22nd 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 $351K in Q2 2026, 17% above the same quarter a year earlier ($300K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
1 of 2 compared published fees sit above the Kentucky 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 Kentucky medians for fees published by banks and credit unions.
Overdraft (OD)
Loan Origination
Dormant Account
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Kentucky, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 4.5% from Q3 2025 to Q2 2026, to $351K. Its share of revenue, 5.2%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$351K
Ashland 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Ashland Federal Credit Union · $412M 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 |
|---|---|---|---|---|---|---|---|
| Ashland Federal Credit Union(this institution) | Ashland, KY | $412M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| 1St Community Federal Credit Union | San Angelo, TX | $422M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Acadia Federal Credit Union | Fort Kent, ME | $413M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Alliance Federal Credit Union | Fenton, MO | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alltru Federal Credit Union | Wentzville, MO | $401M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ancorum Federal Credit Union | Bath, ME | $402M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Avenir Financial Federal Credit Union | Yuma, AZ | $401M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Carolina Trust Federal Credit Union | Myrtle Beach, SC | $422M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cdc Federal Credit Union | Atlanta, GA | $414M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Co-Op Credit Union of Montevideo | Montevideo, MN | $423M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coosa Pines Federal Credit Union | Childersburg, AL | $421M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Eagle Community Federal Credit Union | Lake Forest, CA | $409M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Community Credit Union of Beloit | Beloit, WI | $410M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Glendale Area Schools Federal Credit Union | Glendale, CA | $422M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Honolulu Federal Credit Union | Honolulu, HI | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Houston Texas Fire Fighters Federal Credit Union | Houston, TX | $401M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Monroe Community Federal Credit Union | Monroe, MI | $406M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Nymeo Federal Credit Union | Frederick, MD | $409M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ocean Financial Federal Credit Union | Oceanside, NY | $403M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Park View Federal Credit Union | Harrisonburg, VA | $410M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Partnership Financial Federal Credit Union | Morton Grove, IL | $403M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Platinum Federal Credit Union | Duluth, GA | $413M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Popa Federal Credit Union | Cerritos, CA | $405M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Signature Federal Credit Union | Alexandria, VA | $421M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Yolo Federal Credit Union | Woodland, CA | $412M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Zing Credit Union | Denver, CO | $406M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.95 among 15 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 Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Ashland Federal Credit Union does not publish a monthly maintenance 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Ashland 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 | $351K | +$20K | +6.0% |
| Q1 2026 | $331K | −$41K | −11.0% |
| Q4 2025 | $372K | +$36K | +10.7% |
| Q3 2025 | $336K | +$36K | +12.0% |
| Q2 2025 | $300K | +$13K | +4.5% |
| Q1 2025 | $287K | −$46K | −13.8% |
| Q4 2024 | $333K | +$38K | +12.9% |
| Q3 2024 | $295K | +$33K | +12.6% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Ashland 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 Ashland Federal Credit Union by share.
Amounts from Ashland Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactivity fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay Overdraft fee (item amount less than $25.00) | $10Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
Cash & Deposit | |||
| Cash advance | 2%of the advance | Not stated | None |
| Cash advance (audience not stated, treated as personal) | 2%of the advance | Not stated | None |
Lending Fees | |||
| Origination fee | $1,250Above the U.S. middle 50% ($20.15 to $96.25 nationally) | one time | None |
| Origination fee (Easy-Refinance) (audience not stated, treated as personal) | $1,250Above the U.S. middle 50% ($20.15 to $96.25 nationally) | one time | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
one time
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Business Checking monthly fee if balance falls below stated minimum | $25 | per month | None |
| Inactivity fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash advance | 2%of the advance | Not stated | None |
Lending Fees | |||
| Origination fee | $1,250Above the U.S. middle 50% ($20.15 to $96.25 nationally) | one time | None |
Nov 1, 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 Ashland Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 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
| Ashland, KY | 2 |
| Cottage Grove, MN | 1 |
| Lexington, KY | 1 |
| Russell, KY | 1 |
Largest competitors nearby
Local market: Boyd county, KY, around its headquarters.
| 11 in its local market | Deposit share |
|---|---|
| Kentucky Farmers Bank Corporation | 23% |
| Community Trust Bank, Inc. | 18.8% |
| City National Bank of West Virginia | 18.7% |
| PNC Bank, National Association | 18.2% |
| Fifth Third Bank, National Association | 10.7% |
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.