Compared with Colorado
7 of 24
compared fees are above the median.
13 below, 4 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
37th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Colorado median
of 24 compared; 13 below, 4 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Metrum 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 Colorado median | Published fees above the Colorado median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Metrum Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.5% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (37th 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 $94K in Q2 2026, 8.0% above the same quarter a year earlier ($87K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 24 compared published fees sit above the Colorado median; 13 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 Colorado medians for fees published by banks and credit unions.
Overdraft (OD)
Monthly Maintenance
Second Chance Checking
NSF / Returned Item
Compared at $27.50, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Colorado, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 11% from Q3 2025 to Q2 2026, to $94K. Its share of revenue, 5.5%, is below the 7.2% median for credit unions with under $300M in assets.
$94K
Metrum 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.
Metrum Community Federal Credit Union · $112M in assets
Banks and credit unions in the Denver-Aurora-Centennial, CO metro
Banks and credit unions with branches in the Denver-Aurora-Centennial, CO metro: the local competitors for deposits and customers. They range from $5M to $4.1T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
Showing the 50 closest in assets of 83 peers; medians use all 83.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Metrum Community Federal Credit Union(this institution) | Centennial, CO | $112M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 5Star Bank | Colorado Springs, CO | $378M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Academy Bank, National Association | Kansas City, MO | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Affidian Federal Credit Union | Denver, CO | $360M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Air Academy Federal Credit Union | Colorado Springs, CO | $810M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alpine Bank | Glenwood Springs, CO | $6.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| ANB Bank | Denver, CO | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Arapahoe Federal Credit Union | Littleton, CO | $154M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Aurora Federal Credit Union | Aurora, CO | $140M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Blue Federal Credit Union | Cheyenne, WY | $2.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Canvas Federal Credit Union | Lone Tree, CO | $5.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Clean Energy Federal Credit Union | Englewood, CO | $130M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Colorado Federal Credit Union | Littleton, CO | $442M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Colorado Federal Savings Bank | Greenwood Village, CO | $2.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Columbine Federal Credit Union | Centennial, CO | $78M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union of Colorado, A | Denver, CO | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Credit Union of Denver | Lakewood, CO | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union of The Rockies | Golden, CO | $113M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Denver Fire Department Federal Credit Union | Denver, CO | $214M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Electrical Federal Credit Union | Arvada, CO | $54M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Elevations Federal Credit Union | Boulder, CO | $3.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers & Merchants Bank of Colby | Colby, KS | $651M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Farmers State Bank of Calhan | Calhan, CO | $416M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Fidelis Catholic Federal Credit Union | Arvada, CO | $152M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Fidelity Bank | Oklahoma City, OK | $3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First National Bank | Fort Pierre, SD | $2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Western Trust Bank | Denver, CO | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fitzsimons Federal Credit Union | Aurora, CO | $211M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| High Plains Bank | Flagler, CO | $643M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Horizons North Federal Credit Union | Westminster, CO | $136M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| InBank | Raton, NM | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kirkpatrick Bank | Edmond, OK | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Native American Bank, National Association | Denver, CO | $362M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| NewBank | Flushing, NY | $618M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northern New Mexico School Employee Federal Credit Union | Santa Fe, NM | $45M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | 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 |
| On Tap Federal Credit Union | Golden, CO | $474M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Options Federal Credit Union | Littleton, CO | $5M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Partner Colorado Federal Credit Union | Arvada, CO | $644M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 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 |
| Premier Members Federal Credit Union | Broomfield, CO | $4.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Red Rocks Federal Credit Union | Littleton, CO | $344M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Space Age Federal Credit Union | Aurora, CO | $168M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Star Tech Federal Credit Union | Greenwood Village, CO | $11M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| TBK BANK, SSB | Dallas, TX | $7.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| The District Federal Credit Union | Aurora, CO | $148M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Fidelity Bank, fsb | Evansville, IN | $6.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Westminster Federal Credit Union | Westminster, CO | $55M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Young Americans Bank | Denver, CO | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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.
83 peers selected · 49 publish this fee(monthly maintenance)
34 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $8.50 among 49 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 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee, among the 50 peers shown
Hamilton is the Fee Insight workspace for pricing teams.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Metrum 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 | $94K | +$4K | +4.4% |
| Q1 2026 | $90K | −$2K | −2.2% |
| Q4 2025 | $92K | +$7K | +8.2% |
| Q3 2025 | $85K | −$2K | −2.3% |
| Q2 2025 | $87K | −$2K | −2.2% |
| Q1 2025 | $89K | −$17K | −16.0% |
| Q4 2024 | $106K | +$9K | +9.3% |
| Q3 2024 | $97K | +$15K | +18.3% |
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, Metrum 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 Metrum Community Federal Credit Union by share.
Amounts from Metrum Community 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 | |||
| Second Chance Checking Monthly service charge (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account – No activity for 12months | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Spending Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| ATM Adjustment | $15Inside the U.S. middle 50% ($7 to $25 nationally) | Not stated | None |
| Reconciliation | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Swipe & Save Savings Excessive Withdrawal | $10Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Bad Address/Returned Mail | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Manual Overdraft Charge | $5Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Second Chance Checking NSF | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer Fee from pre-selected share account | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Transactions | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfers | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Wire Out | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Counter Checks (Teller Check) & Certified Checks | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Check | $5Above the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Temporary Checks | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Inactive Member Check Cashing (audience not stated, treated as personal) | 3% | Not stated | None |
| Non-Member Check Cashing (audience not stated, treated as personal) | 5% | Not stated | None |
| Foreign Item Deposit | $50Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of Share Draft | $1.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Sales Draft Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Origination Maintenance | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Non-Reoccurring ACH Origination | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Origination Return | $15Below the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
| Express Bill Pay Deactivation | $10Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Express Online Bill Pay Enrollment | $10Above the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Return Deposit Item | $15Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
| Shared Branch Returned Deposit | $25Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Member Notary Service | $2Not compared: Charged per document; comparison unavailable | per document | None |
| Key Replacement | $25Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Box 10” X 10” | $85Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10” X 10” (audience not stated, treated as personal) | $85Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3” x 10” (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3” X 5” | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3” X 5” (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5” X 10” | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5” X 10” (audience not stated, treated as personal) | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Drilling | $200Not compared: Box drilling or key fee | Not stated | None |
Lending Fees | |||
| Late Payment | $15Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Vehicle & Title | |||
| Lost Title/Lien Release | $15Inside the U.S. middle 50% ($15 to $50 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Loan Application Processing - 2nd Request | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Refinance | $50Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip Payment Administrative Fee | $35Inside the U.S. middle 50% ($20 to $37.50 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 11, 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 Metrum Community Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Centennial, CO | 1 |
| Littleton, CO | 1 |
Largest competitors nearby
Local market: Arapahoe county, CO, around its headquarters.
| 60 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 22.2% |
| PNC Bank, National Association | 15.4% |
| JPMorgan Chase Bank, National Association | 13.7% |
| NBH Bank | 10.4% |
| Colorado Federal Savings Bank | 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.