Compared with Wisconsin
3 of 20
compared fees are above the median.
9 below, 8 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
53rd percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Wisconsin median
of 20 compared; 9 below, 8 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Westby Co-Op 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 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. | Westby Co-Op Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.9% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (53rd 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 $1.2M in Q2 2026, 19% above the same quarter a year earlier ($970K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 20 compared published fees sit above the Wisconsin median; 9 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.
Overdraft (OD)
Compared at $25, its standard fee, the highest of its prices
Non-Network ATM
Stop Payment
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 rose 14% from Q3 2025 to Q2 2026, to $1.2M. Its share of revenue, 6.9%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$1.2M
Westby Co-Op 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 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. *Overdraft: Listed at $20 to $25; we compare the highest.
Westby Co-Op Federal Credit Union · $1B 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Westby Co-Op Federal Credit Union(this institution) | Westby, WI | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 4Front Federal Credit Union | Traverse City, MI | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alpena-Alcona Area Federal Credit Union | Alpena, MI | $976M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Belco Community Credit Union | Harrisburg, PA | $974M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Brazos Valley Schools Federal Credit Union | Katy, TX | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Brightstar Federal Credit Union | Fort Lauderdale, FL | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Connex Federal Credit Union | North Haven, CT | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Del-One Federal Credit Union | Dover, DE | $983M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Enrichment Federal Credit Union | Oak Ridge, TN | $984M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Golden Plains Federal Credit Union | Garden City, KS | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Greater Texas Federal Credit Union | Austin, TX | $995M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heritage Federal Credit Union | Newburgh, IN | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Houston Police Federal Credit Union | Houston, TX | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kellogg Community Federal Credit Union | Battle Creek, MI | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Latino Community Federal Credit Union | Durham, NC | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Matanuska Valley Federal Credit Union | Palmer, AK | $977M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mccoy Federal Credit Union | Orlando, FL | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Merck Sharp & Dohme Federal Credit Union | Chalfont, PA | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mirastar Federal Credit Union | San Jose, CA | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| People First Federal Credit Union | Allentown, PA | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Point Breeze Federal Credit Union | Hunt Valley, MD | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Power Financial Federal Credit Union | Pembroke Pines, FL | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| St. Mary'S Federal Credit Union | Marlborough, MA | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tucson Federal Credit Union | Tucson, AZ | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| University Of Hawaii Federal Credit Union | Honolulu, HI | $976M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Water And Power Community Federal Credit Union | Los Angeles, CA | $1B | 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 · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 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 Nov 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Westby Co-Op 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 Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Westby Co-Op 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 | $1.2M | +$164K | +16.5% |
| Q1 2026 | $995K | −$35K | −3.4% |
| Q4 2025 | $1.0M | +$13K | +1.3% |
| Q3 2025 | $1.0M | +$47K | +4.8% |
| Q2 2025 | $970K | +$44K | +4.8% |
| Q1 2025 | $926K | −$9K | −1.0% |
| Q4 2024 | $935K | −$71K | −7.1% |
| Q3 2024 | $1.0M | +$51K | +5.3% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Westby Co-Op 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 Westby Co-Op Federal Credit Union by share.
Amounts from Westby Co-Op Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per month
per hour
per month
per item
one time · book of 8
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Christmas Club Penalty | $6Below the U.S. middle 50% ($10 to $25 nationally) | per item | None |
| Fee to close account | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee: Accounts with no activity for 12 months | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $3Below the U.S. middle 50% ($6.44 to $25 nationally) | Not stated | None |
| Account Research/Reconciliation | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft fees | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft fees | $20Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Protection | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Transactions at all Non-WCCU ATM’s | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Checks | $4Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payments for Checks or Automatic Deductions If multiple checks are stopped, the initial charge is still | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $5Above the U.S. middle 50% ($1 to $4 nationally) | one time | book of 8 |
| Check Copies | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Coin Counting | 5%($1 minimum) | Not stated | None |
| Coin Counting (audience not stated, treated as personal) | 5%($1 minimum) | Not stated | None |
| Cash Advance | 2%of the advance ($5 minimum) | Not stated | None |
| Cash Advance (audience not stated, treated as personal) | 2%of the advance ($5 minimum) | Not stated | None |
Account Services | |||
| Notary Public | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnishment/Tax Levy | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Mortgage Subordination (audience not stated, treated as personal) | $150Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment Fee | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Closing/Transfer Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Gift Cards | $3.50Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
| VISA Gift Card | $3.50Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Fax: Receiving | $1Not compared: Charged per page; comparison unavailable | per page | Fax: Receiving: $1 per page |
| Photocopies | $0.15Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Returned Loan Payment | $15Below the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 1, 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 Westby Co-Op Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
12 offices in 1 state (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
| Reedsburg, WI | 2 |
| Richland Center, WI | 2 |
| Baraboo, WI | 1 |
| Cashton, WI | 1 |
| Coon Valley, WI | 1 |
| Lake Delton, WI | 1 |
| Portage, WI | 1 |
| Prairie Du Sac, WI | 1 |
Largest competitors nearby
Local market: Vernon county, WI, around its headquarters.
| 7 in its local market | Deposit share |
|---|---|
| One Community Bank | 26.2% |
| Citizens First Bank | 20.9% |
| River Bank | 16.5% |
| Peoples State Bank | 10.1% |
| Bank of Ontario | 9.7% |
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.