Compared with Wisconsin
7 of 18
compared fees are above the median.
5 below, 6 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
27th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Wisconsin median
of 18 compared; 5 below, 6 about the same
See the feesFee schedule read Oct 12, 2026
Call-report figures are for Verve, A 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 Wisconsin median | Published fees above the Wisconsin median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Verve, A Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 12, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 4.6% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (27th 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 $1.3M in Q2 2026, 7.1% above the same quarter a year earlier ($1.2M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 18 compared published fees sit above the Wisconsin 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 Wisconsin medians for fees published by banks and credit unions.
Monthly Maintenance
Verve Premium Checking $5 · Verve Optimum Checking $15
Compared at $10, the middle of its prices
NSF / Returned Item
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for Wisconsin, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 5.5% from Q3 2025 to Q2 2026, to $1.3M. Its share of revenue, 4.6%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$1.3M
Verve, A 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. *Monthly maintenance: Listed at $5 to $15; we compare the midpoint.
Verve, A Credit Union · $1.6B 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 |
|---|---|---|---|---|---|---|---|
| Verve, A Credit Union(this institution) | Oshkosh, WI | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Alabama One Federal Credit Union | Tuscaloosa, AL | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Allsouth Federal Credit Union | Columbia, SC | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Aloha Pacific Federal Credit Union | Honolulu, HI | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Amoco Federal Credit Union | Texas City, TX | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Centris Federal Credit Union | Omaha, NE | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Collins Community Federal Credit Union | Cedar Rapids, IA | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Dade County Federal Credit Union | Sweetwater, FL | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Del Norte Federal Credit Union | Los Alamos, NM | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Financial Plus Federal Credit Union | Flint, MI | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Community Federal Credit Union | Jamestown, ND | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Service Federal Credit Union | Houston, TX | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Firstlight Federal Credit Union | El Paso, TX | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Listerhill Federal Credit Union | Sheffield, AL | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northrop Grumman Federal Credit Union | Gardena, CA | $1.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| One Nevada Federal Credit Union | Las Vegas, NV | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Onpath Federal Credit Union | Metairie, LA | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Palmetto Citizens Federal Credit Union | Columbia, SC | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| San Francisco Federal Credit Union | San Francisco, CA | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| San Francisco Fire Federal Credit Union | San Francisco, CA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Skyla Federal Credit Union | Charlotte, NC | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Summit Federal Credit Union | Rochester, NY | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| United States Senate Federal Credit Union | Alexandria, VA | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| University of Va Community Credit Union | Charlottesville, VA | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Utilities Employees Federal Credit Union | Reading, PA | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Webster First Federal Credit Union | Worcester, MA | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10, the middle of its two prices, against a peer median of $6.95 among 17 publishing peers.
Its two checking prices are $5 and $15.
$10 is a comparison price, not a fee anyone is charged.
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
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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Verve, A 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 | $1.3M | +$112K | +9.8% |
| Q1 2026 | $1.1M | −$87K | −7.1% |
| Q4 2025 | $1.2M | −$98K | −7.4% |
| Q3 2025 | $1.3M | +$156K | +13.3% |
| Q2 2025 | $1.2M | +$127K | +12.2% |
| Q1 2025 | $1.0M | −$204K | −16.4% |
| Q4 2024 | $1.2M | +$46K | +3.8% |
| Q3 2024 | $1.2M | +$34K | +2.9% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Verve, A 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 Verve, A Credit Union by share.
Amounts from Verve, A Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month · Waived with $2,000 or more in combined account average daily balance OR Verve credit card holder
per month
per hour
per month
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Verve Optimum Checking Monthly Service Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Verve Premium Checking Monthly Service Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | Waived with $2,000 or more in combined account average daily balance OR Verve credit card holder |
| Membership Closed within 90 Days | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Monthly Dormant Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Hourly Research or Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Monthly Paper Statement | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
Overdraft & NSF | |||
| Non-Sufficient Funds / Courtesy Pay | $32Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Negative Balance Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Overdraft Transfer | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM Withdrawal Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Currency conversion (audience not stated, treated as personal) | 1%of the transaction | per transaction | None |
Wire Transfers | |||
| Outgoing Wire Transfer (Domestic) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Check | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| ACH Stop Payment | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment – Branch / Online / By Phone | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Zelle Stop Payment | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Non-Member On-Us Check Cashing | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Item | $32Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Rush Bill Payments Varies: Payment by Phone | $25Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Legal Process / Judgment | $50Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Bill Pay Photocopy | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Duplicate Statement / History | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Duplicate Tax Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 12, 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 Verve, A Credit Union operates, and what regulators and customers have on file.
Branch footprint
20 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
| Chicago, IL | 5 |
| Oshkosh, WI | 4 |
| Fond Du Lac, WI | 2 |
| La Crosse, WI | 2 |
| Neenah, WI | 2 |
| Appleton, WI | 1 |
| Brillion, WI | 1 |
| Holmen, WI | 1 |
Largest competitors nearby
Local market: Winnebago county, WI, around its headquarters.
| 21 in its local market | Deposit share |
|---|---|
| Nicolet National Bank | 20.1% |
| Associated Bank, National Association | 20.1% |
| West Pointe Bank | 10.2% |
| JPMorgan Chase Bank, National Association | 9.1% |
| U.S. Bank National Association | 8.9% |
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.