Idaho Central Federal Credit Union

Headquarters: Chubbuck, Idaho
Charter: Credit Union
Assets: $15.5B
Fed district: San Francisco
Regulator: NCUA

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 21, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 21, 2026

How these figures are measured

Call-report figures are for Idaho Central 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Idaho Central Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 21, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Idaho Central Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $18.5M in Q2 2026, 23% above the same quarter a year earlier ($15.0M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $7, the middle of its prices
Idaho Central Federal Credit Union: $2.50 to $15
Idaho Central Federal Credit Union: $2.50 to $15
U.S. median: no median
Overdraft (OD)
Idaho Central Federal Credit Union: $24.94
Idaho Central Federal Credit Union: $24.94
U.S. median: no median
NSF / Returned Item
Idaho Central Federal Credit Union: $31.94
Idaho Central Federal Credit Union: $31.94
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Idaho, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Idaho: Banks and credit unions headquartered in Idaho that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income rose 11% from Q3 2025 to Q2 2026, to $18.5M.

Fee income, Q2 2026

$18.5M

$16.6MQ3 2025

$17.0MQ4 2025

$16.7MQ1 2026

$18.5MQ2 2026

Against the median

Idaho Central Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Idaho Central Federal Credit Union · $15.5B 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 14 states.

Credit unions only
$9.4B to $20.8B in assets
Headquartered in 14 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Idaho Central Federal Credit Union(this institution)	Chubbuck, ID	$15.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Alliant Federal Credit Union	Chicago, IL	$20B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Broadview Federal Credit Union	Albany, NY	$9.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Desert Financial Federal Credit Union	Phoenix, AZ	$9.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Eastman Federal Credit Union	Kingsport, TN	$10.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Ent Federal Credit Union	Colorado Springs, CO	$19.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Esl Federal Credit Union	Rochester, NY	$10.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Fourleaf Federal Credit Union	Bethpage, NY	$14.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Global Federal Credit Union	Anchorage, AK	$13B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Greenstate Federal Credit Union	North Liberty, IA	$10.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Lake Michigan Federal Credit Union	Grand Rapids, MI	$17.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Logix Federal Credit Union	Valencia, CA	$9.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Midflorida Federal Credit Union	Lakeland, FL	$9.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Onpoint Community Federal Credit Union	Portland, OR	$9.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Patelco Federal Credit Union	Dublin, CA	$9.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Pennsylvania State Employees Federal Credit Union	Harrisburg, PA	$9.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Randolph-Brooks Federal Credit Union	Universal City, TX	$19.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Redwood Credit Union	Santa Rosa, CA	$10.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
San Diego County Federal Credit Union	San Diego, CA	$9.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Security Service Federal Credit Union	San Antonio, TX	$14.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Star One Federal Credit Union	Sunnyvale, CA	$9.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Suncoast Federal Credit Union	Tampa, FL	$20.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Teachers Federal Credit Union	Smithtown, NY	$9.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
United Nations Federal Credit Union	Long Island City, NY	$10.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Vystar Federal Credit Union	Jacksonville, FL	$14.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Wright-Patt Credit Union, Inc.	Beavercreek, OH	$9.5B	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.

Fee type

Peer pricing snapshot

Monthly maintenance is broadly aligned with similar-sized credit unions: within 1% of their median.

Compared at $7, the middle of its five prices, against a peer median of $6.95 among 13 publishing peers.

Its five checking prices are $2.50, $7, $7, $10 and $15.

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

Idaho Central Federal Cre…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

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 Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Idaho Central Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $18.5M
vs prior quarter: +$1.8M+10.7%; from Q1 2026
vs a year earlier: +$3.4M+22.8%; from Q2 2025
vs start of range: +$3.6M+24.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Idaho Central Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$18.5M	+$1.8M	+10.7%
Q1 2026	$16.7M	−$326K	−1.9%
Q4 2025	$17.0M	+$365K	+2.2%
Q3 2025	$16.6M	+$1.6M	+10.7%
Q2 2025	$15.0M	+$808K	+5.7%
Q1 2025	$14.2M	−$577K	−3.9%
Q4 2024	$14.8M	−$14K	−0.1%
Q3 2024	$14.8M	+$1.2M	+8.8%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Idaho Central Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Basic Checking Account Monthly fee$15
per month
Monthly fee$2.50
per month
Monthly Maintenance (audience not stated, treated as personal)$7
per month
Monthly Service Fees$7
per month
Service charge fee$10
Account balancing assistance$20
Not compared: Charged per hour; comparison unavailable
per hour
Account research$20
Not compared: Charged per hour; comparison unavailable
per hour
Excess withdrawal fee$1
per item
Excess withdrawal fee$10
per item
Excess withdrawal fee$5
per item
Excess withdrawal fee$25
per item
Excess withdrawal fee$2
per item
Annual locator fee$10
Not compared: Annual charge, not monthly
per year

Overdraft & NSF

Overdraft - each overdraft paid$24.94
per item
Nonsufficient funds item$31.94
per item
Account owner is receiving a Required Minimum Distribution (RMD): Overdraft protection transfer from savings$2.50

ATM & Card

Out-of-Network ATM Withdrawal Fee$1.50
Visa Check Card reissue fee$10

Check Services

Cashier’s check$4
Money order$2.50
Stop payments$30
per item
Starter checks$1
per item
Collection items$30
per item
Copy of check 25 free per year$2
per item

Cash & Deposit

Deposited checks (and other items) returned unpaid$5

Account Services

Garnishments$10
Levies$25

Other Fees

Copy of VISA transaction (credit or debit)$3

Fee	Amount	Basis	Note
Account Maintenance
Basic Checking Account Monthly fee	$15	per month	None
Monthly fee	$2.50	per month	None
Monthly Maintenance (audience not stated, treated as personal)	$7	per month	None
Monthly Service Fees	$7	per month	None
Service charge fee	$10	Not stated	None
Account balancing assistance	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Excess withdrawal fee	$1	per item	None
Excess withdrawal fee	$10	per item	None
Excess withdrawal fee	$5	per item	None
Excess withdrawal fee	$25	per item	None
Excess withdrawal fee	$2	per item	None
Annual locator fee	$10Not compared: Annual charge, not monthly	per year	None
Overdraft & NSF
Overdraft - each overdraft paid	$24.94	per item	None
Nonsufficient funds item	$31.94	per item	None
Account owner is receiving a Required Minimum Distribution (RMD): Overdraft protection transfer from savings	$2.50	Not stated	None
ATM & Card
Out-of-Network ATM Withdrawal Fee	$1.50	Not stated	None
Visa Check Card reissue fee	$10	Not stated	None
Check Services
Cashier’s check	$4	Not stated	None
Money order	$2.50	Not stated	None
Stop payments	$30	per item	None
Starter checks	$1	per item	None
Collection items	$30	per item	None
Copy of check 25 free per year	$2	per item	None
Cash & Deposit
Deposited checks (and other items) returned unpaid	$5	Not stated	None
Account Services
Garnishments	$10	Not stated	None
Levies	$25	Not stated	None
Other Fees
Copy of VISA transaction (credit or debit)	$3	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

Correct a fee source

Oct 21, 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.

Fee change alerts

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