Compared with Missouri
7 of 24
compared fees are above the median.
10 below, 7 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
56th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Missouri median
of 24 compared; 10 below, 7 about the same
See the feesFee schedule read Oct 20, 2026
Call-report figures are for Arsenal 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 Missouri median | Published fees above the Missouri median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Arsenal Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 20, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.6% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (56th 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 $564K in Q2 2026, 12% below the same quarter a year earlier ($642K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 24 compared published fees sit above the Missouri median; 10 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 Missouri medians for fees published by banks and credit unions.
NSF / Returned Item
Compared at $19, the middle of its prices
Monthly Maintenance
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 11% from Q3 2025 to Q2 2026, to $564K. Its share of revenue, 8.6%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$564K
Arsenal 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.
Arsenal Federal Credit Union · $387M 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 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Arsenal Federal Credit Union(this institution) | Arnold, MO | $387M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Abri Federal Credit Union | Romeoville, IL | $381M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alltru Federal Credit Union | Wentzville, MO | $401M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Avenir Financial Federal Credit Union | Yuma, AZ | $401M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Beacon Credit Union, Incorporated | Lynchburg, VA | $392M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cascade Federal Credit Union | Kent, WA | $393M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Case Federal Credit Union | Lansing, MI | $400M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cy-Fair Federal Credit Union | Houston, TX | $383M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fort Financial Federal Credit Union | Fort Wayne, IN | $397M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fort Sill Federal Credit Union | Lawton, OK | $394M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fremont Federal Credit Union | Fremont, OH | $391M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Great Northwest Federal Credit Union | Aberdeen, WA | $375M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ignite Federal Credit Union | Battle Creek, MI | $380M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Industrial Credit Union of Whatcom County | Bellingham, WA | $392M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mutual Security Federal Credit Union | Shelton, CT | $385M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pasadena Federal Credit Union | Pasadena, CA | $375M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Premier Federal Credit Union | Des Moines, IA | $383M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Prospera Federal Credit Union | Appleton, WI | $379M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| San Antonio Citizens Federal Credit Union | San Antonio, FL | $400M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sea West Coast Guard Federal Credit Union | Oakland, CA | $378M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Signet Federal Credit Union | Paducah, KY | $398M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tba Federal Credit Union | Traverse City, MI | $390M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Ten Federal Credit Union | Nashville, TN | $392M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wauna Federal Credit Union | Clatskanie, OR | $398M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Wepco Federal Credit Union | Bloomington, MD | $399M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| West-Aircomm Federal Credit Union | Beaver, PA | $376M | 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 · 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 $5.95 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 3, 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 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Arsenal 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 | $564K | −$22K | −3.8% |
| Q1 2026 | $586K | −$34K | −5.5% |
| Q4 2025 | $620K | −$16K | −2.5% |
| Q3 2025 | $636K | −$6K | −0.9% |
| Q2 2025 | $642K | +$56K | +9.6% |
| Q1 2025 | $586K | −$81K | −12.1% |
| Q4 2024 | $667K | −$56K | −7.7% |
| Q3 2024 | $723K | +$15K | +2.1% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Arsenal 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 Arsenal Federal Credit Union by share.
Amounts from Arsenal Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per year
per hour
per month
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Checking monthly service fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Below minimum balance (Value Checking) | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Below minimum balance fee (per month) (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive account | $10Not compared: Annual charge, not monthly | per year | None |
| Research/document retrieval | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper statement (applies to members 18 years to 64 years of age) | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Paper statements for members age 17 and under and age 65 | No chargeBelow the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned mail (per month) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay or any overdraft | $28Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Nonsufficient funds (includes checks, preauthorized ACH withdrawals and online bill pay) | $28Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned ACH payment | $10Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft transfer (from savings account) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Card replacement (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Domestic wire transfer (Outgoing – Federal Reserve) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| International wire transfer (Outgoing) International wire transfer (Outgoing to U.S. Military Bases) | $100Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier's check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Purchase money orders and cashier's checks | No chargeBelow the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Purchase money orders and cashier's checks | No chargeBelow the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment – One or more checks, Online Banking, Mobile, Bill Pay and ACH | $30Inside 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) | per item | None |
| Collection item (incoming and outgoing) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| Send and receive money with Zelle® | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Uncollected funds (includes checks, preauthorized ACH withdrawals and online bill pay) | $28Not compared: Per-item charge, not monthly | per item | None |
| Mobile Check Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash advance fees (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Deposit items returned unpaid | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary service (non-members) | $2Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Notary service for members | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| 10x10 box rental (audience not stated, treated as personal) | $85Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3x10 box rental (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3x5 box rental (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5x10 box rental (audience not stated, treated as personal) | $58Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5x5 box rental (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 7x10 box rental (audience not stated, treated as personal) | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Drill box | $100Not compared: Box drilling or key fee | Not stated | None |
| Garnishment | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levy | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Subpoena received (per account) | $40Below the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Lending Fees | |||
| Credit card late payment (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Fax | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Set up recurring loan payments by phone | No chargeBelow the U.S. middle 50% ($20 to $37.50 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
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per year
per hour
per month
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Checking monthly service fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Below minimum balance (Value Checking) | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive account | $10Not compared: Annual charge, not monthly | per year | None |
| Research/document retrieval | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper statement (applies to members 18 years to 64 years of age) | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Paper statements for members age 17 and under and age 65 | No chargeBelow the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned mail (per month) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay or any overdraft | $28Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Nonsufficient funds (includes checks, preauthorized ACH withdrawals and online bill pay) | $28Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned ACH payment | $10Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft transfer (from savings account) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM use (including business accounts) (Non-ACU network machine withdrawals, transfers and inquiries) | $1 | per item | None |
Wire Transfers | |||
| Domestic wire transfer (Outgoing – Federal Reserve) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| International wire transfer (Outgoing) International wire transfer (Outgoing to U.S. Military Bases) | $100Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier's check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Purchase money orders and cashier's checks | No chargeBelow the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Purchase money orders and cashier's checks | No chargeBelow the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment – One or more checks, Online Banking, Mobile, Bill Pay and ACH | $30Inside 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) | per item | None |
| Collection item (incoming and outgoing) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| Send and receive money with Zelle® | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Uncollected funds (includes checks, preauthorized ACH withdrawals and online bill pay) | $28Not compared: Per-item charge, not monthly | per item | None |
| Mobile Check Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposit items returned unpaid | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary service (non-members) | $2Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Notary service for members | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Drill box | $100Not compared: Box drilling or key fee | Not stated | None |
| Garnishment | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levy | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Subpoena received (per account) | $40Below the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Fax | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Set up recurring loan payments by phone | No chargeBelow the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 20, 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 Arsenal Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 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
| Arnold, MO | 1 |
| Florissant, MO | 1 |
| Saint Louis, MO | 1 |
| Swansea, IL | 1 |
Largest competitors nearby
Local market: Jefferson county, MO, around its headquarters.
| 25 in its local market | Deposit share |
|---|---|
| Enterprise Bank & Trust | 12.7% |
| First State Community Bank | 12% |
| U.S. Bank National Association | 11.5% |
| Midwest BankCentre | 10.1% |
| Commerce Bank | 10.1% |
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.