Compared with Indiana
3 of 12
compared fees are above the median.
7 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
82nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Indiana median
of 12 compared; 7 below, 2 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Natco 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 Indiana median | Published fees above the Indiana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Natco Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 13% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (82nd 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 $563K in Q2 2026, 6.4% above the same quarter a year earlier ($529K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 12 compared published fees sit above the Indiana 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 Indiana medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Indiana, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 1.4% from Q3 2025 to Q2 2026, to $563K. Its share of revenue, 13%, is above the 7.2% median for credit unions with under $300M in assets.
$563K
Natco 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.
Natco Federal Credit Union · $154M 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 |
|---|---|---|---|---|---|---|---|
| Natco Federal Credit Union(this institution) | Richmond, IN | $154M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 4U Federal Credit Union | Gainesville, TX | $156M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Affinity Federal Credit Union | Des Moines, IA | $154M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Arapahoe Federal Credit Union | Littleton, CO | $154M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Arc Federal Credit Union | Altoona, PA | $154M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Best Financial Federal Credit Union | Muskegon, MI | $154M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Citymark Federal Credit Union | Plains, PA | $152M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Consumers Professional Federal Credit Union | Lansing, MI | $150M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fidelis Catholic Federal Credit Union | Arvada, CO | $152M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Financial Builders Federal Credit Union | Kokomo, IN | $152M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Family Federal Credit Union | Henryetta, OK | $154M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Great Erie Federal Credit Union | Orchard Park, NY | $150M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Green Country Federal Credit Union | Sand Springs, OK | $155M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Green Mountain Federal Credit Union | South Burlington, VT | $152M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Horizon Federal Credit Union | Williamsport, PA | $152M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Jm Associates Federal Credit Union | Jacksonville, FL | $151M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kerr County Federal Credit Union | Kerrville, TX | $156M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mountaincrest Federal Credit Union | Arlington, WA | $153M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Nova Ua Federal Credit Union | Clifton, NJ | $156M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Power Federal Credit Union | Pueblo, CO | $156M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| R G Federal Credit Union | Raymore, MO | $154M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Star USA Federal Credit Union | Charleston, WV | $153M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Town Of Hempstead Employees Federal Credit Union | North Baldwin, NY | $149M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Trailhead Federal Credit Union | Portland, OR | $156M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Trius Federal Credit Union | Kearney, NE | $152M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ukrainian National Federal Credit Union | New York, NY | $155M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $3 among 9 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 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Natco 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 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Natco 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 | $563K | +$49K | +9.5% |
| Q1 2026 | $514K | −$78K | −13.2% |
| Q4 2025 | $592K | +$21K | +3.7% |
| Q3 2025 | $571K | +$42K | +7.9% |
| Q2 2025 | $529K | +$11K | +2.1% |
| Q1 2025 | $518K | −$46K | −8.2% |
| Q4 2024 | $564K | −$16K | −2.8% |
| Q3 2024 | $580K | +$42K | +7.8% |
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, Natco 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 Natco Federal Credit Union by share.
Amounts from Natco 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
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Money Market Account Minimum Balance Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation Fee | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address/Returned Mail Fee | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft Courtesy Pay Fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| ACH NSF Fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Debit Card NSF Fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per transaction | None |
Wire Transfers | |||
| Wire Transfer Fee (outgoing): Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Counter Check Fee (3 checks per sheet) | $5Above the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Foreign Item Processing Fee | $30Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Digital & Electronic | |||
| One-Time ACH Origination Set-Up Fee | $3Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Online Bill Pay Service | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Court Order/Levy/Garnishment Fee | $20Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy Fee | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Nov 2, 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 Natco 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
| Richmond, IN | 2 |
| Connersville, IN | 1 |
Largest competitors nearby
Local market: Wayne county, IN, around its headquarters.
| 10 in its local market | Deposit share |
|---|---|
| First Bank Richmond | 35% |
| Merchants Bank of Indiana | 21.9% |
| U.S. Bank National Association | 21.2% |
| Wayne Bank and Trust Co. | 9.7% |
| JPMorgan Chase Bank, National Association | 7.9% |
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.