Compared with Iowa
5 of 15
compared fees are above the median.
3 below, 7 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
43rd percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Iowa median
of 15 compared; 3 below, 7 about the same
See the feesFee schedule read Oct 9, 2026
Call-report figures are for Dutrac 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) Year to date through the quarter. Median and percentile from each of 452 credit unions with $1B to $10B 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 Iowa median | Published fees above the Iowa median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Dutrac Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 9, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.1% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (43rd 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 $1.1M in Q2 2026, 5.7% above the same quarter a year earlier ($1.0M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 15 compared published fees sit above the Iowa 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 Iowa medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Wire Transfer (Domestic Out)
Compared at $27.50, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 1.0% from Q3 2025 to Q2 2026, to $1.1M. Its share of revenue, 6.1%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$1.1M
Dutrac Community 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Dutrac Community Federal Credit Union · $1.3B 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Dutrac Community Federal Credit Union(this institution) | Dubuque, IA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Amplify Federal Credit Union | Austin, TX | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Diamond Federal Credit Union | Pottstown, PA | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Efcu Financial Federal Credit Union | Baton Rouge, LA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Five Star Federal Credit Union | Dothan, AL | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Guardian Federal Credit Union | Prattville, AL | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gulf Coast Educators Federal Credit Union | Pasadena, TX | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Harvard Federal Credit Union | Cambridge, MA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Honda Federal Credit Union | Torrance, CA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Los Angeles Federal Credit Union | Glendale, CA | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Municipal Empl.Credit Union of Balt | Baltimore, MD | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Orion Federal Credit Union | Memphis, TN | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pacific Service Federal Credit Union | Concord, CA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rave Financial Federal Credit Union | Beaumont, TX | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rev Federal Credit Union | Charleston, SC | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rize Federal Credit Union | El Monte, CA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Selfreliance Federal Credit Union | Chicago, IL | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sesloc Federal Credit Union | San Luis Obispo, CA | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sidney Federal Credit Union | Sidney, NY | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Silver State Schools Federal Credit Union | Las Vegas, NV | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Southland Federal Credit Union | Los Alamitos, CA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State Employees Federal Credit Union | Santa Fe, NM | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Truity Federal Credit Union | Bartlesville, OK | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Vibrant Federal Credit Union | Moline, IL | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wildfire Federal Credit Union | Saginaw, MI | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wright Patman Congressional Federal Credit Union | Washington, DC | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 15 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 27, 2026.
Monthly maintenance fee in dollars, one mark per institution
Dutrac Community 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 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Dutrac Community 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 | $1.1M | +$39K | +3.7% |
| Q1 2026 | $1.1M | −$128K | −10.8% |
| Q4 2025 | $1.2M | +$100K | +9.2% |
| Q3 2025 | $1.1M | +$48K | +4.6% |
| Q2 2025 | $1.0M | +$29K | +2.9% |
| Q1 2025 | $1.0M | −$138K | −12.0% |
| Q4 2024 | $1.1M | +$58K | +5.3% |
| Q3 2024 | $1.1M | +$47K | +4.5% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Dutrac Community 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 Dutrac Community Federal Credit Union by share.
Amounts from Dutrac Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive Relationship Fee | $15Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Balancing Fee | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research Fee | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail Fee | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| HIGH YIELD, MONEY MARKET AND HEALTH SAVINGS ACCOUNTS: Overdraft Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Minimum Balance to: Returned Item Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF (non-sufficient funds) Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| 0.000% 0.000% 0.050% Automatic Overdraft transfer or Loan Advance | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Automatic Overdraft Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Interest Compounded Daily CREDIT/DEBITLost Credit/Debit Card Replacement | $20Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Interest Period Calendar Month Calendar Month Calendar Month Lost ATM Card Replacement | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Interest Credited Monthly Rush Lost Credit/Debit Card Fee | $45Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Domestic Wire Transfer | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Domestic Wire Transfer | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Wire Transfer | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Outgoing Foreign Wire Transfer | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Outgoing Foreign Wire Transfer | $55Not compared: Monthly charge, not per item | per month | None |
Check Services | |||
| Money Order Fee | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Tiers Interest Rate Interest Rate Interest Rate Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Collection Fee | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Annual Percentage Yield 0.200% 0.200% 0.100% Check Copy | $2Not compared: Annual charge, not per item | per year | None |
| Annual Percentage Yield 0.200% 0.200% 0.100% Check Copy | $2Not compared: Monthly charge, not per item | per month | None |
| Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Box Drilling Fee Cost of drilling | $20Not compared: Box drilling or key fee | Not stated | None |
| Late Safe Deposit Box Rental Fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Compliance with Garnishment/Levy | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Retirement & IRA | |||
| IRA Direct Transfer Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy or Account History | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 9, 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 Dutrac Community Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
15 offices in 2 states (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Dubuque, IA | 5 |
| Davenport, IA | 2 |
| Bettendorf, IA | 1 |
| Clinton, IA | 1 |
| Decorah, IA | 1 |
| Dyersville, IA | 1 |
| Eldridge, IA | 1 |
| Maquoketa, IA | 1 |
Largest competitors nearby
Local market: Dubuque county, IA, around its headquarters.
| 13 in its local market | Deposit share |
|---|---|
| UMB Bank, National Association | 27.5% |
| Nicolet National Bank | 24.5% |
| Fidelity Bank & Trust | 18.8% |
| Capra Bank | 10.7% |
| Premier Bank | 8.6% |
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.