Compared with Pennsylvania
10 of 20
compared fees are above the median.
5 below, 5 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
29th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Pennsylvania median
of 20 compared; 5 below, 5 about the same
See the feesFee schedule read Oct 13, 2026
Call-report figures are for Hidden River 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 Pennsylvania median | Published fees above the Pennsylvania median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Hidden River Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 13, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 4.3% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (29th 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 $139K in Q2 2026, 2.2% above the same quarter a year earlier ($136K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
10 of 20 compared published fees sit above the Pennsylvania median; 5 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 Pennsylvania medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Non-Network ATM
Compared at $1.75, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 7.3% from Q3 2025 to Q2 2026, to $139K. Its share of revenue, 4.3%, is below the 7.2% median for credit unions with under $300M in assets.
$139K
Hidden River 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. *Non-network ATM: Listed at $1.50 to $2; we compare the midpoint.
Hidden River Federal Credit Union · $259M 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 |
|---|---|---|---|---|---|---|---|
| Hidden River Federal Credit Union(this institution) | Pottsville, PA | $259M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bridge Federal Credit Union | Powell, OH | $257M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cacl Federal Credit Union | Pottsville, PA | $256M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Central State Federal Credit Union | Stockton, CA | $258M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Citizens Community Federal Credit Union | Fort Dodge, IA | $254M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Elevate Federal Credit Union | Brigham City, UT | $260M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Energy Capital Federal Credit Union | Houston, TX | $261M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Filer Federal Credit Union | Manistee, MI | $262M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gerber Federal Credit Union | Fremont, MI | $260M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Ghs Federal Credit Union | Binghamton, NY | $253M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gulf Coast Federal Credit Union | Corpus Christi, TX | $260M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Highmark Federal Credit Union | Rapid City, SD | $258M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Illiana Financial Federal Credit Union | Calumet City, IL | $264M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Keys Federal Credit Union | Key West, FL | $253M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Landings Federal Credit Union | Tempe, AZ | $263M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Moog Employees Federal Credit Union | East Aurora, NY | $257M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mygeorgia Federal Credit Union | Gainesville, GA | $258M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Jersey Federal Credit Union | Totowa, NJ | $256M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| One Federal Credit Union | Springfield, VT | $264M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Red Crown Federal Credit Union | Tulsa, OK | $257M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southwest Heritage Federal Credit Union | Odessa, TX | $261M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Family Federal Credit Union | Davenport, IA | $253M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tremont Federal Credit Union | Boston, MA | $256M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Truchoice Federal Credit Union | Portland, ME | $257M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Truecore Federal Credit Union | Newark, OH | $255M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Usx Federal Credit Union | Cranberry Twp, PA | $258M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 $6.98 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
Hidden River 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 Hidden River 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 | $139K | +$7K | +5.3% |
| Q1 2026 | $132K | −$17K | −11.4% |
| Q4 2025 | $149K | −$1K | −0.7% |
| Q3 2025 | $150K | +$14K | +10.3% |
| Q2 2025 | $136K | +$9K | +7.1% |
| Q1 2025 | $127K | −$15K | −10.6% |
| Q4 2024 | $142K | +$11K | +8.4% |
| Q3 2024 | $131K | +$6K | +4.8% |
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, Hidden River 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 Hidden River Federal Credit Union by share.
Amounts from Hidden River 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 | |||
| Account Closed Within 30 Days of Opening | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive or Dormant Account Fee (over 2 years) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Signature/Personal Line of Credit (inactive for 12 months) | $20Not compared: Annual charge, not monthly | per year | None |
| Reconcile any Share or Loan Account | $20Inside the U.S. middle 50% ($6.44 to $25 nationally) | Not stated | None |
| Statement and Account Reconciliation/Research Fee | $35Above the U.S. middle 50% ($6.44 to $25 nationally) | Not stated | None |
| Returned Mail Fee | $6Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Advance Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Drafts Returned Due to Insufficient Funds | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Insufficient Funds Return | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Withdrawals at Non HRCU-Owned ATMs (six free per month) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Withdrawals at Non HRCU-Owned ATMs (six free per month) | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Domestic Wire Transfer (outgoing) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Domestic Wire Transfer (outgoing) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Domestic Wire Transfer (incoming) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Domestic Wire Transfer (incoming) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Money Orders (maximum amount $1,000) | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| ACH Stop Payments | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee for Official Credit Union Check | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment of HRCU-Issued Money Order | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Request for Drafts Written or Reported Lost | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Copies of Checks Deposited | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copies of Paid Share Drafts (1 free copy per year) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Items for Immediate Return Due to Insufficient Funds | $35Above the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Cash Advance (in person) – Non HRCU Debit/Credit Card | $5Inside the U.S. middle 50% ($2 to $10 nationally) | per item | None |
Account Services | |||
| Notary | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Drill Box | $250Not compared: Box drilling or key fee | Not stated | None |
| Large Box | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Late Fee (31 or more days late) | $25Not compared: Box drilling or key fee | per item | None |
| Medium Box | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| One Lost Key | $20Not compared: Box drilling or key fee | Not stated | None |
| Small Box | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Processing of Legal Documents (IRS levy, garnishment, etc.) | $50Inside the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Account Closing Fee | $20Below the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
| IRA Transfer (any type) to Another Financial Institution | $30Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards (maximum amount $1,000) | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Duplicate Account Statement Copies | $8Not compared: Monthly charge, not per item | per month | None |
| Statement Copies for Each Interim Account Statement Printout | $5Not compared: Charged per statement; comparison unavailable | per statement | None |
Oct 13, 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 Hidden River Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Orwigsburg, PA | 1 |
| Pine Grove, PA | 1 |
| Pottsville, PA | 1 |
| Tamaqua, PA | 1 |
Largest competitors nearby
Local market: Schuylkill county, PA, around its headquarters.
| 13 in its local market | Deposit share |
|---|---|
| Manufacturers and Traders Trust Company | 20.4% |
| Mid Penn Bank | 20.2% |
| Wells Fargo Bank, National Association | 15.3% |
| Santander Bank, N.A. | 9.5% |
| Fulton Bank, National Association | 6.2% |
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.