Golden Rule Community Federal Credit Union

Headquarters: Ripon, Wisconsin
Charter: Credit Union
Assets: $42.6M
Fed district: Chicago
Regulator: NCUA

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Feb 17, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Feb 17, 2026

How these figures are measured

Call-report figures are for Golden Rule 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Golden Rule Community Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Feb 17, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Golden Rule Community Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $29K in Q2 2026, 93% above the same quarter a year earlier ($15K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
Golden Rule Community Federal Credit Union: $29
Golden Rule Community Federal Credit Union: $29
U.S. median: no median
Wire Transfer (Domestic Out)
Golden Rule Community Federal Credit Union: $35
Golden Rule Community Federal Credit Union: $35
U.S. median: no median
Stop Payment
Golden Rule Community Federal Credit Union: $25
Golden Rule Community Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Wisconsin: Banks and credit unions headquartered in Wisconsin that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income fell 26% from Q3 2025 to Q2 2026, to $29K.

Fee income, Q2 2026

$29K

$39KQ3 2025

$25KQ4 2025

$21KQ1 2026

$29KQ2 2026

Against the median

Golden Rule Community Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Golden Rule Community Federal Credit Union · $43M 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 19 states.

Credit unions only
$42M to $44M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Golden Rule Community Federal Credit Union(this institution)	Ripon, WI	$43M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
705 Federal Credit Union	Lafayette, LA	$43M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
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
Chiropractic Federal Credit Union	Farmington, MI	$42M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
City-County Employees Federal Credit Union	Clearwater, FL	$42M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Credit Union of Emporia	Emporia, KS	$42M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
East River Federal Credit Union	Madison, SD	$42M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Epb Employees Federal Credit Union	Chattanooga, TN	$43M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
H E A Federal Credit Union	Warner Robins, GA	$43M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Haynes Community Federal Credit Union	Kokomo, IN	$42M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Health Care Professionals Federal Credit Union	Richmond, IN	$42M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hope Federal Credit Union	Bridgeport, WV	$43M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Methuen Federal Credit Union	Methuen, MA	$42M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mississippi National Guard Federal Credit Union	Jackson, MS	$43M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northern Kentucky Federal Credit Union	Highland Heights, KY	$43M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Omaha Douglas Federal Credit Union	Omaha, NE	$43M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
Port City Federal Credit Union	Muskegon, MI	$42M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
River Region Federal Credit Union	Lutcher, LA	$42M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Solutions Federal Credit Union	Elmira, NY	$43M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Spencerport Federal Credit Union	Spencerport, NY	$43M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Streator Community Federal Credit Union	Streator, IL	$42M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Travis County Federal Credit Union	Austin, TX	$43M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wea Federal Credit Union	Madison, WI	$43M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
West Metro Schools Federal Credit Union	Hopkins, MN	$44M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
York Educational Federal Credit Union	York, PA	$43M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(out-of-network atm)

15 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Golden Rule Community Federal Credit Union does not publish an out-of-network ATM fee in the index.

The peer median is $1 among 10 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 27, 2026.

Out-of-network ATM fee in dollars, one mark per institution

Golden Rule Community Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.

Golden Rule Community Fed…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Golden Rule Community Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $29K
vs prior quarter: +$8K+38.1%; from Q1 2026
vs a year earlier: +$14K+93.3%; from Q2 2025
vs start of range: −$1K−3.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Golden Rule Community Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$29K	+$8K	+38.1%
Q1 2026	$21K	−$4K	−16.0%
Q4 2025	$25K	−$14K	−35.9%
Q3 2025	$39K	+$24K	+160.0%
Q2 2025	$15K	−$11K	−42.3%
Q1 2025	$26K	−$3K	−10.3%
Q4 2024	$29K	−$1K	−3.3%
Q3 2024	$30K	+$3K	+11.1%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Golden Rule Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closed account before 90 days$25
Dormant account (after 3 years) per year$15
Not compared: Annual charge, not monthly
per year
Account reconciling or research fee (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Returned statement due to invalid address$5

Overdraft & NSF

Non-Sufficient Funds - ACH$29
Non-Sufficient Funds (per item)$29
per item
Non-Sufficient Funds share draft$29
Loan overdraft transferNo charge
Overdraft account transfer$2

ATM & Card

Debit replacement card fee$15

Wire Transfers

Wire transfer fee (outgoing) in U.S$35
Wire transfer fee (outgoing) in Wisconsin$35

Check Services

Cashier's/Treasurer's check$3
Money order (per item)$3
per item
Stop payment request (check or ACH)$25
Check cashing member check by non-member$25
Foreign check collection item$40
Share draft copies$2

Digital & Electronic

Bill Pay & ZelleNo charge

Cash & Deposit

Cash Advance$5
Return check fee$25
Returned check fee (a deposited item returned uncollected)$29

Lending Fees

Late fee$25

Other Fees

Document copy or special handling fee$15
Photocopy (per page)$2
Not compared: Charged per page; comparison unavailable
per page
Statement copy or account history (per page) (e-statements are free)$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Closed account before 90 days	$25	Not stated	None
Dormant account (after 3 years) per year	$15Not compared: Annual charge, not monthly	per year	None
Account reconciling or research fee (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Returned statement due to invalid address	$5	Not stated	None
Overdraft & NSF
Non-Sufficient Funds - ACH	$29	Not stated	None
Non-Sufficient Funds (per item)	$29	per item	None
Non-Sufficient Funds share draft	$29	Not stated	None
Loan overdraft transfer	No charge	Not stated	None
Overdraft account transfer	$2	Not stated	None
ATM & Card
Debit replacement card fee	$15	Not stated	None
Wire Transfers
Wire transfer fee (outgoing) in U.S	$35	Not stated	None
Wire transfer fee (outgoing) in Wisconsin	$35	Not stated	None
Check Services
Cashier's/Treasurer's check	$3	Not stated	None
Money order (per item)	$3	per item	None
Stop payment request (check or ACH)	$25	Not stated	None
Check cashing member check by non-member	$25	Not stated	None
Foreign check collection item	$40	Not stated	None
Share draft copies	$2	Not stated	None
Digital & Electronic
Bill Pay & Zelle	No charge	Not stated	None
Cash & Deposit
Cash Advance	$5	Not stated	None
Return check fee	$25	Not stated	None
Returned check fee (a deposited item returned uncollected)	$29	Not stated	None
Lending Fees
Late fee	$25	Not stated	None
Other Fees
Document copy or special handling fee	$15	Not stated	None
Photocopy (per page)	$2Not compared: Charged per page; comparison unavailable	per page	None
Statement copy or account history (per page) (e-statements are free)	$5	per item	None

Correct a fee source

Feb 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.

Fee change alerts

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