Compared with Iowa
2 of 22
compared fees are above the median.
17 below, 3 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
58th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Iowa median
of 22 compared; 17 below, 3 about the same
See the feesFee schedule read Oct 27, 2026
Call-report figures are for Citizens 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 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 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. | Citizens Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 27, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.3% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (58th 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 $390K in Q2 2026, 9.9% above the same quarter a year earlier ($355K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 22 compared published fees sit above the Iowa median; 17 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.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
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 fell 1.8% from Q3 2025 to Q2 2026, to $390K. Its share of revenue, 8.3%, is above the 7.2% median for credit unions with under $300M in assets.
$390K
Citizens 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 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.
Citizens Community Federal Credit Union · $254M 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 |
|---|---|---|---|---|---|---|---|
| Citizens Community Federal Credit Union(this institution) | Fort Dodge, IA | $254M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Building Trades Federal Credit Union | Maple Grove, MN | $250M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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 |
| Cedar Falls Community Federal Credit Union | Cedar Falls, IA | $252M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 |
| Community West Federal Credit Union | Kentwood, MI | $252M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | 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 |
| Hidden River Federal Credit Union | Pottsville, PA | $259M | Monthly maintenance not published | 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 |
| Illinois State Federal Credit Union | Normal, IL | $249M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | 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 |
| 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 |
| Pyramid Federal Credit Union | Tucson, AZ | $248M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Shrewsbury Federal Credit Union | Shrewsbury, MA | $249M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southern Security Federal Credit Union | Collierville, TN | $252M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| St. Paul Federal Credit Union | Saint Paul, MN | $252M | 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 |
| Tongass Federal Credit Union | Ketchikan, AK | $252M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | 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 · 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 $7.50 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 Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Citizens 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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Citizens 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 | $390K | +$19K | +5.1% |
| Q1 2026 | $371K | −$21K | −5.4% |
| Q4 2025 | $392K | −$5K | −1.3% |
| Q3 2025 | $397K | +$42K | +11.8% |
| Q2 2025 | $355K | −$5K | −1.4% |
| Q1 2025 | $360K | −$58K | −13.9% |
| Q4 2024 | $418K | +$9K | +2.2% |
| Q3 2024 | $409K | +$18K | +4.6% |
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, Citizens 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 Citizens Community Federal Credit Union by share.
Amounts from Citizens Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closing within 60 Days of Opening | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Account (per month after 12 months of inactivity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconcilement ($15.00 minimum) | $15Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Account Research ($15.00 minimum) | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Courtesy Pay (CP) Item Paid | $27.75Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) Item Paid | $27.75Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) Return Item | $27.75Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer (per transfer) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Foreign Wire | $30Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Check Payable to Account Holder | No chargeBelow the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official Check Payable to Another Party | $1.50Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official Check Sent via Mail | $1.50Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $1.50Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment (all items) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (First 10 FREE for new accounts) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Collection Item Incoming | $5Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Item Outgoing | $5Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Photocopy | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay - Overnight Check Payment | $14.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay - Same Day ACH Payment | $9.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Non-Member Coin Counting Service | $25Above the U.S. middle 50% ($0 to $2.50 nationally) | Not stated | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Large Box (10x10x24 in.) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Medium Box (5x10x24 in.) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Replacement Key | $10Not compared: Box drilling or key fee | Not stated | None |
| Small Box (3x10x24 in.) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishment, Execution, Levy | $10Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Account Closing Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy - Previous Periods (each) | $2.50Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closing within 60 Days of Opening | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Account (per month after 12 months of inactivity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconcilement ($15.00 minimum) | $15Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Account Research ($15.00 minimum) | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Courtesy Pay (CP) Item Paid | $27.75Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) Item Paid | $27.75Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) Return Item | $27.75Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer (per transfer) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Foreign Wire | $30Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Check Payable to Account Holder | No chargeBelow the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official Check Payable to Another Party | $1.50Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official Check Sent via Mail | $1.50Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $1.50Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment (all items) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (First 10 FREE for new accounts) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Collection Item Incoming | $5Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Item Outgoing | $5Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Photocopy | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay - Overnight Check Payment | $14.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay - Same Day ACH Payment | $9.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Non-Member Coin Counting Service | $25Above the U.S. middle 50% ($0 to $2.50 nationally) | Not stated | None |
| Return Deposit Item - Business Account | $5 | Not stated | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Large Box (10x10x24 in.) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Medium Box (5x10x24 in.) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Replacement Key | $10Not compared: Box drilling or key fee | Not stated | None |
| Small Box (3x10x24 in.) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishment, Execution, Levy | $10Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Account Closing Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy - Previous Periods (each) | $2.50Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 27, 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 Citizens Community Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
8 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Fort Dodge, IA | 2 |
| Algona, IA | 1 |
| Belmond, IA | 1 |
| Estherville, IA | 1 |
| Lake Mills, IA | 1 |
| Spirit Lake, IA | 1 |
| Storm Lake, IA | 1 |
Largest competitors nearby
Local market: Webster county, IA, around its headquarters.
| 9 in its local market | Deposit share |
|---|---|
| Northwest Bank | 33.4% |
| First Interstate Bank | 15.7% |
| Wells Fargo Bank, National Association | 14.4% |
| Availa Bank | 11% |
| Security Savings Bank | 7.1% |
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.