Compared with Ohio
4 of 14
compared fees are above the median.
7 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
89th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Ohio median
of 14 compared; 7 below, 3 about the same
See the feesFee schedule read Oct 4, 2026
Call-report figures are for Atomic 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 569 credit unions with $300M to $1B 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. | Atomic Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 4, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 14% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (89th 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 $2.6M in Q2 2026, 24% above the same quarter a year earlier ($2.1M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 14 compared published fees sit above the Ohio median; 7 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.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
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 15% from Q3 2025 to Q2 2026, to $2.6M. Its share of revenue, 14%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$2.6M
Atomic 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Atomic Federal Credit Union · $855M 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 |
|---|---|---|---|---|---|---|---|
| Atomic Federal Credit Union(this institution) | Piketon, OH | $855M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1St Northern California Federal Credit Union | Martinez, CA | $829M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| All One Federal Credit Union | Leominster, MA | $881M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| America'S Christian Federal Credit Union | Glendora, CA | $820M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ardent Federal Credit Union | Phila, PA | $869M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 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 |
| Boulder Dam Federal Credit Union | Boulder City, NV | $872M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central One Federal Credit Union | Shrewsbury, MA | $872M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cinfed Federal Credit Union | Cincinnati, OH | $863M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Communitywide Federal Credit Union | South Bend, IN | $874M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Heritage Federal Credit Union | Corning, NY | $840M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Frontier Federal Credit Union | Idaho Falls, ID | $822M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heritage Family Federal Credit Union | Rutland, VT | $870M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hope Federal Credit Union | Jackson, MS | $881M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Idb Global Federal Credit Union | Washington, DC | $842M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Intouch Federal Credit Union | Plano, TX | $837M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Liberty Bay Federal Credit Union | Braintree, MA | $827M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Maine Savings Federal Credit Union | Hampden, ME | $858M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mid Minnesota Federal Credit Union | Baxter, MN | $858M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oceanair Federal Credit Union | Oxnard, CA | $882M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pelican Federal Credit Union | Baton Rouge, LA | $885M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pfcu Federal Credit Union | Portland, MI | $873M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sacramento Federal Credit Union | Sacramento, CA | $858M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Skyone Federal Credit Union | Hawthorne, CA | $863M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southwest Airlines Federal Credit Union | Dallas, TX | $861M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Triangle Federal Credit Union | Nashua, NH | $866M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8.95 among 12 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
Atomic Federal Credit Union 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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Atomic 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 | $2.6M | +$343K | +15.2% |
| Q1 2026 | $2.3M | −$124K | −5.2% |
| Q4 2025 | $2.4M | +$129K | +5.7% |
| Q3 2025 | $2.3M | +$164K | +7.8% |
| Q2 2025 | $2.1M | +$165K | +8.6% |
| Q1 2025 | $1.9M | −$93K | −4.6% |
| Q4 2024 | $2.0M | +$35K | +1.8% |
| Q3 2024 | $2.0M | −$69K | −3.4% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Atomic 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 Atomic Federal Credit Union by share.
Amounts from Atomic Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Minimum Balance Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Main Account Closed - Applied if an account is closed within 6 months of opening | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment | $35Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research and Account Balancing Assistance | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive Transfer - Per transfer above 3 per month to cover overdrawn accounts | $3Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Returned Mail Fee | $3Below the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay Overdraft Fee (ODP Fee) | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Return Check Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Wire - Domestic | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Wire - International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Checks/Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Draft/Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Non-Member Coin Machine Fee | 10% | Not stated | None |
Account Services | |||
| Levies, Executions, and Garnishments | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Oct 4, 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 Atomic Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
18 offices in 1 state (June 30, 2026)
Each dot is one office.
4 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Chillicothe, OH | 2 |
| Athens, OH | 1 |
| Beaver, OH | 1 |
| Circleville, OH | 1 |
| Hillsboro, OH | 1 |
| Jackson, OH | 1 |
| Lancaster, OH | 1 |
| Logan, OH | 1 |
Largest competitors nearby
Local market: Pike county, OH, around its headquarters.
| 3 in its local market | Deposit share |
|---|---|
| The First National Bank of Waverly | 61.4% |
| The Ohio Valley Bank Company | 34.4% |
| Peoples Bank | 4.1% |
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.