Compared with Oklahoma
11 of 16
compared fees are above the median.
3 below, 2 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
86th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Oklahoma median
of 16 compared; 3 below, 2 about the same
See the feesFee schedule read Oct 14, 2026
Call-report figures are for Cherokee Strip 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 Oklahoma median | Published fees above the Oklahoma median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Cherokee Strip Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 14% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (86th 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 $287K in Q2 2026, 86% above the same quarter a year earlier ($154K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
11 of 16 compared published fees sit above the Oklahoma median; 3 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 Oklahoma medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Oklahoma, 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 90% from Q3 2025 to Q2 2026, to $287K. Its share of revenue, 14%, is above the 7.2% median for credit unions with under $300M in assets.
$287K
Cherokee Strip 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.
Cherokee Strip Federal Credit Union · $106M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Cherokee Strip Federal Credit Union(this institution) | Ponca City, OK | $106M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Advanced Financial Federal Credit Union | New Providence, NJ | $107M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Advantage Federal Credit Union | Newton, IA | $106M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ascension Federal Credit Union | Gonzales, LA | $108M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bay Area Federal Credit Union | Oregon, OH | $108M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Civic Central Federal Credit Union | Jefferson City, MO | $105M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farmway Federal Credit Union | Beloit, KS | $107M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Watch Federal Credit Union | Abilene, TX | $105M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Four Seasons Federal Credit Union | Opelika, AL | $104M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hawaii Federal Credit Union | Honolulu, HI | $104M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| I Am Federal Credit Union | New York, NY | $103M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kaiperm Federal Credit Union | Walnut Creek, CA | $108M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ko`Olau Federal Credit Union | Kailua, HI | $104M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Lassen County Federal Credit Union | Susanville, CA | $107M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Marin County Federal Credit Union | San Rafael, CA | $104M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Membersfirst Ct Federal Credit Union | Meriden, CT | $107M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Money One Federal Credit Union | Largo, MD | $105M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Onenebraska Federal Credit Union | Columbus, NE | $107M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rancho Federal Credit Union | Downey, CA | $109M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Raritan Bay Federal Credit Union | Sayreville, NJ | $108M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Roanoke Valley Community Federal Credit Union | Roanoke, VA | $107M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rockdale Federal Credit Union | Rockdale, TX | $108M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Local Federal Credit Union | Sterling Heights, MI | $107M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Valley 1St Community Federal Credit Union | Monessen, PA | $107M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vue Community Federal Credit Union | Bismarck, ND | $106M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Worcester Federal Credit Union | Worcester, MA | $107M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 11 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
Cherokee Strip 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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Cherokee Strip 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 | $287K | +$59K | +25.9% |
| Q1 2026 | $228K | +$79K | +53.0% |
| Q4 2025 | $149K | −$2K | −1.3% |
| Q3 2025 | $151K | −$3K | −1.9% |
| Q2 2025 | $154K | +$3K | +2.0% |
| Q1 2025 | $151K | −$24K | −13.7% |
| Q4 2024 | $175K | +$4K | +2.3% |
| Q3 2024 | $171K | +$6K | +3.6% |
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, Cherokee Strip 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 Cherokee Strip Federal Credit Union by share.
Amounts from Cherokee Strip Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Closure Fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Accounts | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment Fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Research Fee | $20Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Paper Statement Fee | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay | $29Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned Item (personal check or ACH) | $28Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection Transfer | $4Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM Transaction or Inquiry | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card, Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card, Express Delivery | $54Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashiers or Official Check Request | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Request | $28Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Request - Cashiers or Official Check | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Origination, Returned | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Bill Pay or Pay Anyone (P2P) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Expedited Bill Pay Fee | $3Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Legal Processing | $20Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Oct 14, 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 Cherokee Strip Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Ponca City, OK | 2 |
| Newkirk, OK | 1 |
Largest competitors nearby
Local market: Kay county, OK, around its headquarters.
| 8 in its local market | Deposit share |
|---|---|
| RCB Bank | 34.1% |
| First National Bank of Oklahoma | 26% |
| Equity Bank | 18.3% |
| Community National Bank & Trust | 8.2% |
| BancFirst | 6.8% |
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.