Credit Union of Emporia

Headquarters: Emporia, Kansas
Charter: Credit Union
Assets: $42.1M
Fed district: Kansas City

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

Source: its fee schedule, read Feb 17, 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 Feb 17, 2026

How these figures are measured

Call-report figures are for Credit Union of Emporia, 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.	Credit Union of Emporia's published fee schedule; Bank Fee Index medians	Current schedule	Feb 17, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Credit Union of Emporia (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 $31K in Q2 2026, 56% below the same quarter a year earlier ($70K).
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
Credit Union of Emporia: $4
Credit Union of Emporia: $4
U.S. median: no median
NSF / Returned Item
Credit Union of Emporia: $25
Credit Union of Emporia: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Credit Union of Emporia: $25
Credit Union of Emporia: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Kansas, the Kansas City 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).
Kansas: Banks and credit unions headquartered in Kansas that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 fell 53% from Q3 2025 to Q2 2026, to $31K.

Fee income, Q2 2026

$31K

$66KQ3 2025

-$68KQ4 2025

$29KQ1 2026

$31KQ2 2026

Against the median

Credit Union of EmporiaMedian

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

Credit Union of Emporia · $42M in assets

Credit unions in Kansas

Credit unions headquartered in the same state, for comparing published prices.

Credit unions only
$1M to $1.9B in assets
Headquartered in Kansas

See the 33 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Credit Union of Emporia(this institution)	Emporia, KS	$42M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
1St Kansas Federal Credit Union	Topeka, KS	$12M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Ark Valley Federal Credit Union	Arkansas City, KS	$57M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Azura Federal Credit Union	Topeka, KS	$852M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
B&V Federal Credit Union	Overland Park, KS	$43M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
C & R Federal Credit Union	Clay Center, KS	$4M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Campus Federal Credit Union	Wichita, KS	$41M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Central Kansas Education Federal Credit Union	Salina, KS	$6M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	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
Dillon Federal Credit Union	Hutchinson, KS	$80M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmway Federal Credit Union	Beloit, KS	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Frontier Community Federal Credit Union	Leavenworth, KS	$210M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Golden Plains Federal Credit Union	Garden City, KS	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Heartland Federal Credit Union	Hutchinson, KS	$726M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Hutchinson Government Employees Federal Credit Union	Hutchinson, KS	$20M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Hutchinson Postal & Community Federal Credit Union	Hutchinson, KS	$5M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
K.U.M.C. Federal Credit Union	Shawnee, KS	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Kan Colo Federal Credit Union	Hoisington, KS	$1M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Kansas Teachers Community Federal Credit Union	Pittsburg, KS	$125M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Kc Fairfax Federal Credit Union	Kansas City, KS	$7M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Mainstreet Federal Credit Union	Lenexa, KS	$703M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mcpherson Co-Op Federal Credit Union	Mcpherson, KS	$44M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mid American Federal Credit Union	Wichita, KS	$532M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Midwest Regional Federal Credit Union	Kansas City, KS	$72M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Morton Federal Credit Union	South Hutchinson, KS	$5M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Panhandle Federal Credit Union	Wellington, KS	$62M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Peoples Choice Federal Credit Union	Coffeyville, KS	$7M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Quantum Federal Credit Union	Wichita, KS	$143M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Reliance Federal Credit Union	Kansas City, KS	$25M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Sunflower Community Federal Credit Union	Marysville, KS	$33M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
U S P L K Employees Federal Credit Union	Leavenworth, KS	$34M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
United Northwest Federal Credit Union	Norton, KS	$55M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Wheat State Federal Credit Union	Wichita, KS	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
White Eagle Federal Credit Union	Augusta, KS	$199M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

33 peers selected · 13 publish this fee(monthly maintenance)

20 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $1 (20%) below the median of credit unions in Kansas.

Its published price is $4, against a peer median of $5 among 13 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 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Credit Union of EmporiaPeer (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 1, 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 Credit Union of Emporia (credit union). Income lines are standalone quarters.

Measure

Fee income

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

Latest, Q2 2026: $31K
vs prior quarter: +$2K+6.9%; from Q1 2026
vs a year earlier: −$39K−55.7%; from Q2 2025
vs start of range: +$1K+3.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Credit Union of Emporia (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	$31K	+$2K	+6.9%
Q1 2026	$29K	+$97K
Q4 2025	-$68K	−$134K
Q3 2025	$66K	−$4K	−5.7%
Q2 2025	$70K	+$20K	+40.0%
Q1 2025	$50K	+$17K	+51.5%
Q4 2024	$33K	+$3K	+10.0%
Q3 2024	$30K	+$2K	+7.1%

Fee-income share against its size cohort

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

Published fee schedule

Amounts from Credit Union of Emporia’s own schedules, with a source for each figure.

Account Maintenance

Checking Monthly fee$4
per month
Account closed within six months$20
Checkbook reconciliation fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee$5
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Insufficient Funds Fee$25
per item

ATM & Card

Replacement card due to fraud$15
per item
Rushed card-additional fee$25
per item

Wire Transfers

Outgoing Wire (Domestic)$25
per item
Incoming Wire (Domestic)$4
per item
Wire Fee (International)$50
per item

Check Services

Official Check (to third party)$3
per item
Money orders$2
per item
Stop Payment$25
per item
Check Cashing fee$5
per transaction
Check copy fee$2
per item

Cash & Deposit

Loose Coin (audience not stated, treated as personal)10%

Account Services

Legal Process Fee$10

Gift & Prepaid Cards

Visa Gift Card$3
per item
Visa Reloadable Card - reload$1

Other Fees

Faxes$1
per item · per page

Fee	Amount	Basis	Note
Account Maintenance
Checking Monthly fee	$4	per month	None
Account closed within six months	$20	Not stated	None
Checkbook reconciliation fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Fee	$5Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Insufficient Funds Fee	$25	per item	None
ATM & Card
Replacement card due to fraud	$15	per item	None
Rushed card-additional fee	$25	per item	None
Wire Transfers
Outgoing Wire (Domestic)	$25	per item	None
Incoming Wire (Domestic)	$4	per item	None
Wire Fee (International)	$50	per item	None
Check Services
Official Check (to third party)	$3	per item	None
Money orders	$2	per item	None
Stop Payment	$25	per item	None
Check Cashing fee	$5	per transaction	None
Check copy fee	$2	per item	None
Cash & Deposit
Loose Coin (audience not stated, treated as personal)	10%	Not stated	None
Account Services
Legal Process Fee	$10	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$3	per item	None
Visa Reloadable Card - reload	$1	Not stated	None
Other Fees
Faxes	$1	per item	per page

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

Feb 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.

Branches and public record

Where Credit Union of Emporia operates, and what regulators and customers have on file.

Branch footprint

1 office in 1 state (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

Cities with the most offices

Emporia, KS

Largest competitors nearby

Local market: Lyon county, KS, around its headquarters.

9 in its local market	Deposit share
ESB Financial	36.9%
The Lyon County State Bank	22.4%
Capitol Federal Savings Bank	16.3%
Community National Bank & Trust	10.9%
The Citizens State Bank	6.1%

Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.

Fee change alerts

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