Compared with Utah
8 of 24
compared fees are above the median.
11 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
28th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Utah median
of 24 compared; 11 below, 5 about the same
See the feesFee schedule read Oct 26, 2026
Call-report figures are for P & S 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 Utah median | Published fees above the Utah median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | P & S Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 26, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 4.2% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (28th 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 $17K in Q2 2026, 6.3% above the same quarter a year earlier ($16K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 24 compared published fees sit above the Utah median; 11 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 Utah medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Utah, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income was about level from Q3 2025 to Q2 2026, at $17K. Its share of revenue, 4.2%, is below the 7.2% median for credit unions with under $300M in assets.
$17K
P & S 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.
P & S Federal Credit Union · $25M in assets
Banks and credit unions in the Salt Lake City-Murray, UT metro
Banks and credit unions with branches in the Salt Lake City-Murray, UT metro: the local competitors for deposits and customers. They range from $11M to $4.1T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
Showing the 50 closest in assets of 70 peers; medians use all 70.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| P & S Federal Credit Union(this institution) | Salt Lake City, UT | $25M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| B&V Federal Credit Union | Overland Park, KS | $43M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank of Utah | Ogden, UT | $3.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Banterra Bank | Marion, IL | $3.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Butte Community Federal Credit Union | Butte, MT | $38M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cal State L.A. Federal Credit Union | Los Angeles, CA | $80M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Canyon View Federal Credit Union | Salt Lake City, UT | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Charlotte Fire Department Federal Credit Union | Charlotte, NC | $56M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Chartway Federal Credit Union | Virginia Beach, VA | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Compass Federal Credit Union | Oswego, NY | $101M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Connecticut Labor Dept Federal Credit Union | Wethersfield, CT | $14M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cyprus Federal Credit Union | West Jordan, UT | $2.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Delta Community Federal Credit Union | Atlanta, GA | $9.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Enfield Community Federal Credit Union | Enfield, CT | $46M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| FinWise Bank | Murray, UT | $915M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Firefighters Federal Credit Union | Draper, UT | $70M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Utah Bank | Salt Lake City, UT | $840M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Golden Valley Federal Credit Union | Manteca, CA | $40M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Goldenwest Federal Credit Union | Ogden, UT | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Government Printing Office Federal Credit Union | Washington, DC | $29M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Granite Federal Credit Union | Salt Lake City, UT | $918M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gulf Federal Credit Union | Groves, TX | $349M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hema Federal Credit Union | Silver Spring, MD | $17M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Koin Federal Credit Union | Brentwood, TN | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Liberty Bank, Inc. | Salt Lake City, UT | $11M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Members Federal Credit Union | Stamford, CT | $44M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| National J. A. C. L. Federal Credit Union | Salt Lake City, UT | $39M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| NBH Bank | Greenwood Village, CO | $12.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Norfolk Fire Department Federal Credit Union | Norfolk, VA | $27M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Parks Heritage Federal Credit Union | Glens Falls, NY | $42M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Redemption Bank | Salt Lake City, UT | $78M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Remington Federal Credit Union | Ilion, NY | $60M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ridgeline Federal Credit Union | Salt Lake City, UT | $28M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Sierra Pacific Federal Credit Union | Reno, NV | $189M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sonoma Federal Credit Union | Santa Rosa, CA | $80M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Square Financial Services, Inc. | Salt Lake City, UT | $2.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Steuben Citizens Federal Credit Union | Bath, NY | $36M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sunwest Bank | Sandy, UT | $4.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tarrant County'S Credit Union | Fort Worth, TX | $124M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Health Federal Credit Union | Austin, TX | $134M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The West Tennessee Federal Credit Union | Atoka, TN | $18M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Thrivent Bank | Salt Lake City, UT | $906M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tobacco Valley Teachers Federal Credit Union | Enfield, CT | $72M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| U.P.S. Employees Federal Credit Union | Ontario, CA | $52M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ulster Federal Credit Union | Kingston, NY | $179M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Utah Community Federal Credit Union | Provo, UT | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Utah Power Federal Credit Union | Murray, UT | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Valdosta Teachers Federal Credit Union | Valdosta, GA | $13M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Varex Federal Credit Union | Salt Lake City, UT | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| West Branch Valley Federal Credit Union | Williamsport, PA | $51M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Worcester Police Department Federal Credit Union | Worcester, MA | $25M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
70 peers selected · 32 publish this fee(monthly maintenance)
38 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $0, against a peer median of $8 among 32 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 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee, among the 50 peers shown
Hamilton is the Fee Insight workspace for pricing teams.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for P & S 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 | $17K | +$4K | +30.8% |
| Q1 2026 | $13K | −$3K | −18.8% |
| Q4 2025 | $16K | −$1K | −5.9% |
| Q3 2025 | $17K | +$1K | +6.3% |
| Q2 2025 | $16K | +$2K | +14.3% |
| Q1 2025 | $14K | −$6K | −30.0% |
| Q4 2024 | $20K | −$3K | −13.0% |
| Q3 2024 | $23K | +$2K | +9.5% |
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, P & S 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 P & S Federal Credit Union by share.
Amounts from P & S Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
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per hour
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Low Balance Charge | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Early Account Closure | $15Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
| Early Account Closure | $15Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
| Dormant Account | $10Not compared: Quarterly charge, not monthly | per quarter | None |
| Research Reconciliation | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statements | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| ACH Payment (NSF) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Check Payment (NSF) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Check Returned (NSF) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Negative Overdraft LOC Transfer | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Withdrawal | $0.75Below the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement Card | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Wire Transfer | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire Transfer | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier's Check (First) | No chargeBelow the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier’s Check (First) | No chargeBelow the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier's Check (Second +) | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Cashier’s Check (Second +) | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $1.50Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| ACH Stop Payment | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Series Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Stop Payment | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Processed Check Copy | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Origination | $1Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| ACH Returned (NSF) | $25Inside the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
| Online Bill Payment | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposit Item Returned | $25Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Direct Deposit | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnishment | $30Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Deposit Verification | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Account Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax Service | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 26, 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 P & S Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 2 states (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
| Salt Lake City, UT | 2 |
| Duluth, GA | 1 |
Largest competitors nearby
Local market: Salt Lake county, UT, around its headquarters.
| 75 in its local market | Deposit share |
|---|---|
| Morgan Stanley Bank, National Association | 22.9% |
| Goldman Sachs Bank USA | 16.5% |
| American Express National Bank | 14.6% |
| Ally Bank | 13.3% |
| UBS Bank USA | 9.3% |
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.