Compared with Montana
5 of 16
compared fees are above the median.
5 below, 6 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
2nd percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Montana median
of 16 compared; 5 below, 6 about the same
See the feesFee schedule read Mar 17, 2026
Call-report figures are for Whitefish Credit Union Association, 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 Montana median | Published fees above the Montana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Whitefish Credit Union Association's published fee schedule; Bank Fee Index medians | Current schedule | Mar 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 1.4% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (2nd 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 $293K in Q2 2026, 3.0% below the same quarter a year earlier ($302K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 16 compared published fees sit above the Montana median; 5 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 Montana medians for fees published by banks and credit unions.
NSF / Returned Item
Non-Network ATM
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Montana, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 14% from Q3 2025 to Q2 2026, to $293K. Its share of revenue, 1.4%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$293K
Whitefish Credit Union AssociationMedian
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.
Whitefish Credit Union Association · $2.1B 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 |
|---|---|---|---|---|---|---|---|
| Whitefish Credit Union Association(this institution) | Whitefish, MT | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Alabama Federal Credit Union | Tuscaloosa, AL | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Caltech Employees Federal Credit Union | La Canada, CA | $2.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Canyon View Federal Credit Union | Salt Lake City, UT | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community Choice Federal Credit Union | Farmington Hills, MI | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cyprus Federal Credit Union | West Jordan, UT | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Dupont Community Federal Credit Union | Waynesboro, VA | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Entertainment Federal Credit Union | Hollywood, CA | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hanscom Federal Credit Union | Hanscom AFB, MA | $2.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Horizon Federal Credit Union | Spokane Valley, WA | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Indiana University Federal Credit Union | Bloomington, IN | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Iq Federal Credit Union | Vancouver, WA | $2.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lafayette Federal Credit Union | Rockville, MD | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Monterra Federal Credit Union | Redwood City, CA | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Philadelphia Federal Credit Union | Philadelphia, PA | $2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Potlatch No. 1 Financial Federal Credit Union | Lewiston, ID | $2.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Purdue Federal Credit Union | West Lafayette, IN | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Safe Federal Credit Union | Sumter, SC | $2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Self Reliance Ny Federal Credit Union | New York, NY | $2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Self-Help Federal Credit Union | Durham, NC | $2.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Seven Seventeen Federal Credit Union | Warren, OH | $2.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Srp Federal Credit Union | North Augusta, SC | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Suffolk Federal Credit Union | Medford, NY | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Superior Credit Union, Inc | Lima, OH | $2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Texas Trust Federal Credit Union | Mansfield, TX | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Westerra Federal Credit Union | Denver, CO | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 10 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 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Whitefish Credit Union Association 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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Whitefish Credit Union Association (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 | $293K | −$55K | −15.8% |
| Q1 2026 | $348K | +$77K | +28.4% |
| Q4 2025 | $271K | +$14K | +5.4% |
| Q3 2025 | $257K | −$45K | −14.9% |
| Q2 2025 | $302K | +$55K | +22.3% |
| Q1 2025 | $247K | −$14K | −5.4% |
| Q4 2024 | $261K | −$15K | −5.4% |
| Q3 2024 | $276K | +$33K | +13.6% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Whitefish Credit Union Association left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Whitefish Credit Union Association by share.
Amounts from Whitefish Credit Union Association’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closed Account Fee (Within 6 months) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment Fee | $35Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Research Fee (One hour minimum) | $30Above the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Returned Mail Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Nonsufficient Funds - NSF (when items are rejected) | $10Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM Fee (Non-CO-OP ATM) | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement Fee (1 Free) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Rush Fee | $54Above the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Foreign Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfers (Outgoing) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Money Order Stop Pay | $10Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment/Check Reissue | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Collection Items (Incoming) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Foreign Return Deposit Items | $50Above the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
| Return Deposit Items | $10Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Box Drilling (Minimum) | $175Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10" x 10" | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3" x 10" | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3" x 5" | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5" x 10" | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Legal Processing | $35Not compared: Annual charge, not per item | per year | None |
Lending Fees | |||
| Late Fee | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Excessive Withdrawal | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| IRA Account Closure | $10Below 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
Mar 17, 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 Whitefish Credit Union Association operates, and what regulators and customers have on file.
Branch footprint
9 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Kalispell, MT | 2 |
| Bozeman, MT | 1 |
| Columbia Falls, MT | 1 |
| Eureka, MT | 1 |
| Missoula, MT | 1 |
| Polson, MT | 1 |
| Thompson Falls, MT | 1 |
| Whitefish, MT | 1 |
Largest competitors nearby
Local market: Flathead county, MT, around its headquarters.
| 13 in its local market | Deposit share |
|---|---|
| Glacier Bank | 48% |
| First Interstate Bank | 15.6% |
| Wells Fargo Bank, National Association | 7.4% |
| Three Rivers Bank of Montana | 6.5% |
| Stockman Bank of Montana | 6% |
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.