Postal & Community Federal Credit Union

Headquarters: Saint Joseph, Missouri
Charter: Credit Union
Assets: $94.7M
Fed district: Kansas City
Regulator: NCUA

Explore Hamilton View published fees

Compared with the U.S.

4 of 11

compared fees are above the median.

4 below, 3 about the same.

About the same: within 1% of the median.

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
of 11 compared; 4 below, 3 about the same
See the fees
Fee schedule read Oct 18, 2026

How these figures are measured

Call-report figures are for Postal & 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) 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.	Postal & Community Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 18, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Postal & Community 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 $86K in Q2 2026, 38% below the same quarter a year earlier ($139K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 11 compared published fees sit above the U.S. median; 4 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.

Fees against the market

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

Non-Network ATM
Postal & Community Federal Credit Union: $2.50
Postal & Community Federal Credit Union: $2.50
Kansas City district median: $1.50166 publishU.S. median: $1.501,651 publish
Stop Payment
Postal & Community Federal Credit Union: $30
Postal & Community Federal Credit Union: $30
Kansas City district median: $25319 publishU.S. median: $27.503,349 publish
Cashier's Check
Postal & Community Federal Credit Union: $3
Postal & Community Federal Credit Union: $3
Kansas City district median: $5258 publishU.S. median: $52,587 publish

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Missouri, 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).
Missouri: Banks and credit unions headquartered in Missouri 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 38% from Q3 2025 to Q2 2026, to $86K.

Fee income, Q2 2026

$86K

$139KQ3 2025

-$93KQ4 2025

$74KQ1 2026

$86KQ2 2026

Against the median (U.S. for fees)

Non‑network ATM$2.50 / $1.50

Postal & Community 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.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.

Do waivers and balance requirements change what most customers actually pay?
Which fees make up most of fee income, and has that mix changed?

Among its peers

Postal & Community Federal Credit Union · $95M 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 19 states.

Credit unions only
$93M to $97M in assets
Headquartered in 19 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
Postal & Community Federal Credit Union(this institution)	Saint Joseph, MO	$95M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Bay Atlantic Federal Credit Union	Vineland, NJ	$97M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Chicago Firefighter'S Federal Credit Union	Chicago, IL	$93M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Christian Family Federal Credit Union	North Canton, OH	$93M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Coastal Community Federal Credit Union	Galveston, TX	$93M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
Dakota Plains Federal Credit Union	Edgeley, ND	$93M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Family Advantage Federal Credit Union	Spring Hill, TN	$93M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ferguson Federal Credit Union	Monticello, MS	$94M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Choice Federal Credit Union	New Castle, PA	$95M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Class Community Federal Credit Union	West Des Moines, IA	$96M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Formation Federal Credit Union	Baton Rouge, LA	$93M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Freedom United Federal Credit Union	Rochester, PA	$94M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Independent Federal Credit Union	Anderson, IN	$94M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Irco Community Federal Credit Union	Phillipsburg, NJ	$94M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Lower Columbia Longshoremen Federal Credit Union	Longview, WA	$96M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Lufthansa Emp. Federal Credit Union	Westbury, NY	$95M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mckesson & Healthcare Providers Federal Credit Union	Martinez, CA	$93M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members Choice Wv Federal Credit Union	Charleston, WV	$94M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northwoods Community Federal Credit Union	Park Falls, WI	$93M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Progressions Federal Credit Union	Spokane, WA	$93M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sheboygan Area Federal Credit Union	Sheboygan, WI	$93M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Torrington Municipal And Teachers Federal Credit Union	Torrington, CT	$94M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Transit Employees Federal Credit Union	Greenbelt, MD	$93M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Upward Federal Credit Union	Burlingame, CA	$93M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Washington County Teachers Federal Credit Union	Hagerstown, MD	$96M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wnc Community Credit Union	Waynesville, NC	$96M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Postal & Community Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $7.50 among 8 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

Postal & Community Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Postal & Community Federa…Peer (equal prices stack)Peer median

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.

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 Postal & Community 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: $86K
vs prior quarter: +$12K+16.2%; from Q1 2026
vs a year earlier: −$53K−38.1%; from Q2 2025
vs start of range: +$3K+3.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Postal & Community 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	$86K	+$12K	+16.2%
Q1 2026	$74K	+$167K
Q4 2025	-$93K	−$232K
Q3 2025	$139K	$0	0.0%
Q2 2025	$139K	+$8K	+6.1%
Q1 2025	$131K	+$53K	+67.9%
Q4 2024	$78K	−$5K	−6.0%
Q3 2024	$83K	+$9K	+12.2%

Fee-income share against its size cohort

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

Published fee schedule

Amounts from Postal & Community Federal Credit Union’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Account Closed Within 90 Days$20
Inside the U.S. middle 50% ($10 to $25 nationally)
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Withdrawal$25
Above the U.S. middle 50% ($3 to $10 nationally)
per item
Returned Mail (after the first month)$5
Inside the U.S. middle 50% ($5 to $7.50 nationally)
per month

ATM & Card

Other ATM Transactions$2.50
Above the U.S. middle 50% ($1 to $2 nationally)
per item
Replace Lost or Damaged ATM/Debit Card$5
Inside the U.S. middle 50% ($5 to $10 nationally)

Check Services

Corporate Checks$3
Inside the U.S. middle 50% ($3 to $6 nationally)
per item
Stop Payment Request$30
Inside the U.S. middle 50% ($20 to $30 nationally)
per item
Counter Checks$0.25
Below the U.S. middle 50% ($1 to $4 nationally)
per item
Photo copy of a Check$3
Inside the U.S. middle 50% ($2 to $5 nationally)
per item

Cash & Deposit

Deposited Returned Items$20
Inside the U.S. middle 50% ($9 to $25 nationally)
per item

Other Fees

Additional Statement Copies per month$4
Not compared: Monthly charge, not per item
per month
Faxes (Local)$2
Inside the U.S. middle 50% ($2 to $5 nationally)
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closed Within 90 Days	$20Inside the U.S. middle 50% ($10 to $25 nationally)	Not stated	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Withdrawal	$25Above the U.S. middle 50% ($3 to $10 nationally)	per item	None
Returned Mail (after the first month)	$5Inside the U.S. middle 50% ($5 to $7.50 nationally)	per month	None
ATM & Card
Other ATM Transactions	$2.50Above the U.S. middle 50% ($1 to $2 nationally)	per item	None
Replace Lost or Damaged ATM/Debit Card	$5Inside the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Check Services
Corporate Checks	$3Inside the U.S. middle 50% ($3 to $6 nationally)	per item	None
Stop Payment Request	$30Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Counter Checks	$0.25Below the U.S. middle 50% ($1 to $4 nationally)	per item	None
Photo copy of a Check	$3Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Cash & Deposit
Deposited Returned Items	$20Inside the U.S. middle 50% ($9 to $25 nationally)	per item	None
Other Fees
Additional Statement Copies per month	$4Not compared: Monthly charge, not per item	per month	None
Faxes (Local)	$2Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None

Correct a fee source

Oct 18, 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 Postal & 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.

This credit unionOther banks and credit unions

Cities with the most offices

Saint Joseph, MO	1
Savannah, MO	1

Largest competitors nearby

Local market: Buchanan county, MO, around its headquarters.

19 in its local market	Deposit share
The Nodaway Valley Bank	28.3%
Commerce Bank	23.5%
U.S. Bank National Association	12.6%
North American Savings Bank, F.S.B.	9.6%
UMB Bank, National Association	8.1%

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

Fee change alerts

Get an email when Postal & Community Federal Credit Union's safe deposit box changes in our data

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