Compared with Pennsylvania
2 of 15
compared fees are above the median.
8 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
82nd percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Pennsylvania median
of 15 compared; 8 below, 5 about the same
See the feesFee schedule read Mar 17, 2026
Call-report figures are for Armco 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 569 credit unions with $300M to $1B 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. | Armco Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Mar 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 12% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B 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 $1.2M in Q2 2026, 15% above the same quarter a year earlier ($1.1M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 15 compared published fees sit above the Pennsylvania median; 8 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.
Overdraft (OD)
Monthly Maintenance
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 9.1% from Q3 2025 to Q2 2026, to $1.2M. Its share of revenue, 12%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$1.2M
Armco 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Armco Federal Credit Union · $719M 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 |
|---|---|---|---|---|---|---|---|
| Armco Federal Credit Union(this institution) | Butler, PA | $719M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Alliance Catholic Federal Credit Union | Farmington Hills, MI | $719M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| America'S Credit Union, A | DuPont, WA | $710M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Apl Federal Credit Union | Laurel, MD | $724M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Arizona Central Federal Credit Union | Phoenix, AZ | $733M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bmi Federal Credit Union | Dublin, OH | $732M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Copper State Federal Credit Union | Phoenix, AZ | $701M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cornerstone Community Federal Credit Union | Lockport, NY | $730M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Choice America Community Federal Credit Union | Weirton, WV | $714M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Citizens' Federal Credit Union | Fairhaven, MA | $706M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Generations Community Federal Credit Union | San Antonio, TX | $735M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greater Iowa Federal Credit Union | Ames, IA | $715M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heartland Federal Credit Union | Hutchinson, KS | $726M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Legacy Community Federal Credit Union | Birmingham, AL | $727M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lokahi Federal Credit Union | Honolulu, HI | $702M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mainstreet Federal Credit Union | Lenexa, KS | $703M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mass. Institute Of Tech. Federal Credit Union | Lexington, MA | $731M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Members Choice Federal Credit Union | Houston, TX | $721M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meridian Trust Federal Credit Union | Cheyenne, WY | $731M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mypoint Federal Credit Union | San Diego, CA | $705M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northland Area Federal Credit Union | Alpena, MI | $714M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Primeway Federal Credit Union | Houston, TX | $736M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sharefax Federal Credit Union | Cincinnati, OH | $721M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Superior Choice Federal Credit Union | Superior, WI | $730M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Umassfive College Federal Credit Union | Hadley, MA | $703M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Uncle Federal Credit Union | Livermore, CA | $716M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ 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
Its published price is $0, against a peer median of $7 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 Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
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 Armco 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 | $1.2M | +$110K | +9.7% |
| Q1 2026 | $1.1M | −$59K | −5.0% |
| Q4 2025 | $1.2M | +$52K | +4.6% |
| Q3 2025 | $1.1M | +$54K | +5.0% |
| Q2 2025 | $1.1M | +$134K | +14.1% |
| Q1 2025 | $948K | −$126K | −11.7% |
| Q4 2024 | $1.1M | −$24K | −2.2% |
| Q3 2024 | $1.1M | +$170K | +18.3% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Armco 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 Armco Federal Credit Union by share.
Amounts from Armco 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
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant account (per month after 12 months) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account research (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Undeliverable mail | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Courtesy Pay (per item) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient funds (NSF) fee (per presentment) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Card Rush Fee | $30Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Check Services | |||
| Certified checks (per check) | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money orders (per money order) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Starter checks | No chargeBelow the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH, BillPay, per posted item | $7.50Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| BillPay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin machine | No chargeInside the U.S. middle 50% ($0 to $2.55 nationally) | Not stated | None |
| Return deposit item (per item) | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Garnishments | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Tax levies & domestic relations | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA gift cards | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Mar 17, 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 Armco Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Butler, PA | 2 |
| Karns City, PA | 1 |
| Mars, PA | 1 |
| Pittsburgh, PA | 1 |
Largest competitors nearby
Local market: Butler county, PA, around its headquarters.
| 21 in its local market | Deposit share |
|---|---|
| PNC Bank, National Association | 25.2% |
| NEXTIER BANK, NATIONAL ASSOCIATION | 17.7% |
| First National Bank of Pennsylvania | 12.5% |
| Citizens Bank, National Association | 11% |
| The Huntington National Bank | 8% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
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