Compared with Ohio
12 of 21
compared fees are above the median.
6 below, 3 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
40th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Ohio median
of 21 compared; 6 below, 3 about the same
See the feesFee schedule read Oct 28, 2026
Call-report figures are for Kemba 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 Ohio median | Published fees above the Ohio median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Kemba Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 28, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.8% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (40th 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 $1.6M in Q2 2026, 8.2% above the same quarter a year earlier ($1.5M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
12 of 21 compared published fees sit above the Ohio median; 6 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 Ohio medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Compared at $5.50, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 9.0% from Q3 2025 to Q2 2026, to $1.6M. Its share of revenue, 5.8%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$1.6M
Kemba 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $0 to $10; we compare the midpoint.
Kemba Federal Credit Union · $1.7B 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Kemba Federal Credit Union(this institution) | West Chester, OH | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union 1 | Anchorage, AK | $1.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Credit Union of America | Wichita, KS | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Datcu Federal Credit Union | Denton, TX | $1.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Educational Federal Credit Union | Miami, FL | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fibre Federal Credit Union | Longview, WA | $1.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Financial Plus Federal Credit Union | Flint, MI | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Firstlight Federal Credit Union | El Paso, TX | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Frontwave Federal Credit Union | Oceanside, CA | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Greater Nevada Federal Credit Union | Carson City, NV | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greylock Federal Credit Union | Pittsfield, MA | $1.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Marion And Polk Schools Federal Credit Union | Salem, OR | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Merck Employees Federal Credit Union | Rahway, NJ | $1.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Mid-Hudson Valley Federal Credit Union | Kingston, NY | $1.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Northrop Grumman Federal Credit Union | Gardena, CA | $1.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Publix Employees Federal Credit Union | Lakeland, FL | $1.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| San Francisco Federal Credit Union | San Francisco, CA | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| San Francisco Fire Federal Credit Union | San Francisco, CA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Scott Federal Credit Union | Edwardsville, IL | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Skyla Federal Credit Union | Charlotte, NC | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| St. Mary'S Bank Federal Credit Union | Manchester, NH | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Truwest Federal Credit Union | Scottsdale, AZ | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| United Heritage Federal Credit Union | Austin, TX | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Unitus Community Federal Credit Union | Tigard, OR | $1.8B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| University Of Kentucky Federal Credit Union | Lexington, KY | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| University of Va Community Credit Union | Charlottesville, VA | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5.50, the middle of its four prices, against a peer median of $6.50 among 13 publishing peers.
Its four checking prices are $0, $5, $6 and $10.
$5.50 is a comparison price, not a fee anyone is charged.
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 Kemba 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 | $1.6M | +$223K | +15.9% |
| Q1 2026 | $1.4M | −$204K | −12.7% |
| Q4 2025 | $1.6M | +$115K | +7.7% |
| Q3 2025 | $1.5M | −$11K | −0.7% |
| Q2 2025 | $1.5M | +$239K | +18.9% |
| Q1 2025 | $1.3M | −$246K | −16.3% |
| Q4 2024 | $1.5M | +$223K | +17.4% |
| Q3 2024 | $1.3M | −$115K | −8.2% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Kemba 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 Kemba Federal Credit Union by share.
Amounts from Kemba Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| MVP Checking Monthly service charge (audience not stated, treated as personal) | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closing Fee | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (after 12 months no activity) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account balancing assistance | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $25Inside the U.S. middle 50% ($7 to $25 nationally) | per item | None |
| Paper Statement Fee | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Return mail fee | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft privilege (Per Overdraft Occurrence/Presentment) | $19Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| ACH/NSF Fee - Per Presentment | $22Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| ATM/check card withdrawal NSF | $22Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned (NSF) check - Per Presentment | $22Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Check for payment | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Transfer /balance inquiry | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement of lost Debit/ATM card (one free replacement card per year) | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers within United States | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming wire less than $2,500 | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer (Domestic In) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire Transfers | $100Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Stop payment order | $33Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check cashing fee (only for accounts with less than $100 on deposit or no open loan or credit card) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check cashing fee non-member “on-us” check | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Foreign Check Processing Fee | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Photocopy of a cleared check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy of sales draft/charge | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash Advance | 2%of the advance ($2 minimum, $2 maximum) | Not stated | None |
| Cash Advance (audience not stated, treated as personal) | 2%of the advance ($2 minimum, $2 maximum) | Not stated | None |
Account Services | |||
| Drilling Fee (per occurrence) | $250Not compared: Box drilling or key fee | per item | None |
| Key Replacement (per occurrence) | $20Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Box 10x10 (audience not stated, treated as personal) | $95Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x10 (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x5 (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x10 (audience not stated, treated as personal) | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x5 (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment processing fee | $40Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Loan Origination Fee Titled Vehicles | $100Above the U.S. middle 50% ($20.15 to $96.25 nationally) | Not stated | None |
| Loan Origination Fee Unsecured | $50Inside the U.S. middle 50% ($20.15 to $96.25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Withdrawal Fee if roll-over or transferred funds are withdrawn less than 6 months | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 28, 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 Kemba Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
15 offices in 3 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Cincinnati, OH | 5 |
| West Chester, OH | 2 |
| Amelia, OH | 1 |
| Blue Ash, OH | 1 |
| Bluffton, IN | 1 |
| Connersville, IN | 1 |
| Florence, KY | 1 |
| Harrison, OH | 1 |
Largest competitors nearby
Local market: Butler county, OH, around its headquarters.
| 27 in its local market | Deposit share |
|---|---|
| Fifth Third Bank, National Association | 27.3% |
| First Financial Bank | 24.3% |
| U.S. Bank National Association | 11.4% |
| JPMorgan Chase Bank, National Association | 10.6% |
| PNC Bank, National Association | 8.8% |
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.