First Community Cu Of Beloit Federal Credit Union

Headquarters: Beloit, Wisconsin
Charter: Credit Union
Assets: $410.2M
Fed district: Chicago
Regulator: NCUA

Explore Hamilton View published fees

Compared with Wisconsin

10 of 17

compared fees are above the median.

6 below, 1 about the same.

About the same: within 1% of the median.

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
47th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Wisconsin median
of 17 compared; 6 below, 1 about the same
See the fees
Fee schedule read Aug 22, 2026

How these figures are measured

Call-report figures are for First Community Cu Of Beloit 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 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.	First Community Cu Of Beloit Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Aug 22, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: First Community Cu Of Beloit 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 7.7% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (47th 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 $562K in Q2 2026, 0.5% above the same quarter a year earlier ($559K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
10 of 17 compared published fees sit above the Wisconsin median; 6 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.

Fees against the market

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

Non-Network ATM
First Community Cu Of Beloit Federal Credit Union: $0.50
First Community Cu Of Beloit Federal Credit Union: $0.50
Wisconsin median: $125 publishChicago district median: $1.50209 publishU.S. median: $1.501,649 publish
NSF / Returned Item
First Community Cu Of Beloit Federal Credit Union: $32
First Community Cu Of Beloit Federal Credit Union: $32
Wisconsin median: $2975 publishChicago district median: $29.98376 publishU.S. median: $302,857 publish
Stop Payment
First Community Cu Of Beloit Federal Credit Union: $32
First Community Cu Of Beloit Federal Credit Union: $32
Wisconsin median: $27.50102 publishChicago district median: $29464 publishU.S. median: $27.503,349 publish

Published schedulesBanks and credit unionsRead Aug 22, 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 2.4% from Q3 2025 to Q2 2026, to $562K. Its share of revenue, 7.7%, is below the 7.9% median for credit unions with $300M to $1B in assets.

Fee income, Q2 2026

$562K

$576KQ3 2025

$571KQ4 2025

$521KQ1 2026

$562KQ2 2026

Against the median (WI for fees)

Share of revenue7.7% / 7.9%
Non‑network ATM$0.50 / $1

First Community Cu Of Beloit 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.

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.

Is the lower share a matter of price, waivers, or a different mix of accounts?
Which fees make up most of fee income, and has that mix changed?

See a free sample report

Among its peers

First Community Credit Union of Beloit · $410M 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.

Credit unions only
$399M to $422M in assets
Headquartered in 16 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
First Community Credit Union of Beloit(this institution)	Beloit, WI	$410M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
1St Community Federal Credit Union	San Angelo, TX	$422M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Acadia Federal Credit Union	Fort Kent, ME	$413M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Alltru Federal Credit Union	Wentzville, MO	$401M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ancorum Federal Credit Union	Bath, ME	$402M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ashland Federal Credit Union	Ashland, KY	$412M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	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
Carolina Trust Federal Credit Union	Myrtle Beach, SC	$422M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
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
Cdc Federal Credit Union	Atlanta, GA	$414M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Coosa Pines Federal Credit Union	Childersburg, AL	$421M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Eagle Community Federal Credit Union	Lake Forest, CA	$409M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Glendale Area Schools Federal Credit Union	Glendale, CA	$422M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Houston Texas Fire Fighters Federal Credit Union	Houston, TX	$401M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Monroe Community Federal Credit Union	Monroe, MI	$406M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nymeo Federal Credit Union	Frederick, MD	$409M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Ocean Financial Federal Credit Union	Oceanside, NY	$403M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Park View Federal Credit Union	Harrisonburg, VA	$410M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Partnership Financial Federal Credit Union	Morton Grove, IL	$403M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Platinum Federal Credit Union	Duluth, GA	$413M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Popa Federal Credit Union	Cerritos, CA	$405M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
Signature Federal Credit Union	Alexandria, VA	$421M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	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
Yolo Federal Credit Union	Woodland, CA	$412M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Zing Credit Union	Denver, CO	$406M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	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.

Fee type

Peer pricing snapshot

First Community Credit Union of Beloit does not publish a monthly maintenance fee in the index.

The peer median is $7.95 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 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Community Credit Union of Beloit does not publish a monthly maintenance fee, so it is not on this chart.

First Community Credit Un…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 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 First Community Cu Of Beloit 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: $562K
vs prior quarter: +$41K+7.9%; from Q1 2026
vs a year earlier: +$3K+0.5%; from Q2 2025
vs start of range: −$20K−3.4%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: First Community Cu Of Beloit 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	$562K	+$41K	+7.9%
Q1 2026	$521K	−$50K	−8.8%
Q4 2025	$571K	−$5K	−0.9%
Q3 2025	$576K	+$17K	+3.0%
Q2 2025	$559K	+$9K	+1.6%
Q1 2025	$550K	−$36K	−6.1%
Q4 2024	$586K	+$4K	+0.7%
Q3 2024	$582K	+$18K	+3.2%

Fee-income share against its size cohort

Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, First Community Cu Of Beloit Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

First Community Cu Of Beloit Federal Credit Union: 7.7%
Percentile: 47th
25th percentile: 5.5%
Median: 7.9%
75th percentile: 11%

First Community Cu Of Beloit Federal Credit Union 7.7%Median 7.9%Middle half 5.5% to 10.9%Peers at each share

Find a peer (569)

The 15 closest to First Community Cu Of Beloit Federal Credit Union by share.

Details

Source: NCUA 5300 call report
Entity: Each credit union, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026), year to date
Measure: Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: Account 131 / (Account 115 + Account 117)

Published fee schedule

Amounts from First Community Cu Of Beloit Federal Credit Union’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Early Closing Fee$5
Below the U.S. middle 50% ($10 to $25 nationally)
Escheatment Processing$50
Above the U.S. middle 50% ($5 to $10 nationally)
Inactive or Dormant Account Fee$5
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Excessive Withdrawal Fee$5
Inside the U.S. middle 50% ($3 to $10 nationally)
per transaction

Overdraft & NSF

Returned Item Fee (NSF)$32
Inside the U.S. middle 50% ($25 to $32 nationally)
per item

ATM & Card

Non-FirstCCU ATM Balance Inquiry$0.50
Below the U.S. middle 50% ($1 to $2 nationally)
per item

Wire Transfers

Incoming Wire Transfer Fee$15
Inside the U.S. middle 50% ($5 to $15 nationally)
per item

Check Services

Cashier’s Check Fee$2.50
Below the U.S. middle 50% ($3 to $6 nationally)
per item
Stop Payment Fee$32
Above the U.S. middle 50% ($20 to $30 nationally)
per item
Temporary Checks (12)$3
Inside the U.S. middle 50% ($1 to $4 nationally)
Check Cashing Fee$20
Above the U.S. middle 50% ($5 to $10 nationally)
per item
Collection Item Fee$40
Above the U.S. middle 50% ($10 to $26 nationally)
per item
Check Copy$3.50
Inside the U.S. middle 50% ($2 to $5 nationally)
per item

Digital & Electronic

Bill Pay Inactive Fee$4.95
Inside the U.S. middle 50% ($0 to $6 nationally)
per month

Cash & Deposit

Returned Deposit Item Fee$15
Inside the U.S. middle 50% ($8.88 to $25 nationally)
per item

Account Services

Tax Levy Processing Fee$100
Above the U.S. middle 50% ($30 to $85 nationally)
per item

Other Fees

Photocopies$0.50
Below the U.S. middle 50% ($2 to $5 nationally)
per item
Statement Copies/History$5
Inside the U.S. middle 50% ($2 to $5 nationally)
per item
Duplicate Lien Release$10
Below the U.S. middle 50% ($20 to $37.50 nationally)

Fee	Amount	Basis	Note
Account Maintenance
Early Closing Fee	$5Below the U.S. middle 50% ($10 to $25 nationally)	Not stated	None
Escheatment Processing	$50Above the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Inactive or Dormant Account Fee	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Excessive Withdrawal Fee	$5Inside the U.S. middle 50% ($3 to $10 nationally)	per transaction	None
Overdraft & NSF
Returned Item Fee (NSF)	$32Inside the U.S. middle 50% ($25 to $32 nationally)	per item	None
ATM & Card
Non-FirstCCU ATM Balance Inquiry	$0.50Below the U.S. middle 50% ($1 to $2 nationally)	per item	None
Wire Transfers
Incoming Wire Transfer Fee	$15Inside the U.S. middle 50% ($5 to $15 nationally)	per item	None
Check Services
Cashier’s Check Fee	$2.50Below the U.S. middle 50% ($3 to $6 nationally)	per item	None
Stop Payment Fee	$32Above the U.S. middle 50% ($20 to $30 nationally)	per item	None
Temporary Checks (12)	$3Inside the U.S. middle 50% ($1 to $4 nationally)	Not stated	None
Check Cashing Fee	$20Above the U.S. middle 50% ($5 to $10 nationally)	per item	None
Collection Item Fee	$40Above the U.S. middle 50% ($10 to $26 nationally)	per item	None
Check Copy	$3.50Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Digital & Electronic
Bill Pay Inactive Fee	$4.95Inside the U.S. middle 50% ($0 to $6 nationally)	per month	None
Cash & Deposit
Returned Deposit Item Fee	$15Inside the U.S. middle 50% ($8.88 to $25 nationally)	per item	None
Account Services
Tax Levy Processing Fee	$100Above the U.S. middle 50% ($30 to $85 nationally)	per item	None
Other Fees
Photocopies	$0.50Below the U.S. middle 50% ($2 to $5 nationally)	per item	None
Statement Copies/History	$5Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Duplicate Lien Release	$10Below the U.S. middle 50% ($20 to $37.50 nationally)	Not stated	None

Correct a fee source

Aug 22, 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.

Branches and public record

Where First Community Cu Of Beloit Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

9 offices in 2 states (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

Cities with the most offices

Beloit, WI	2
Rockford, IL	2
Belvidere, IL	1
Freeport, IL	1
Janesville, WI	1
Monroe, WI	1
Roscoe, IL	1

Largest competitors nearby

Local market: Rock county, WI, around its headquarters.

20 in its local market	Deposit share
BMO Bank National Association	15.1%
Johnson Bank	14.3%
Bank First, N.A.	13.9%
Associated Bank, National Association	10.9%
First Mid Bank & Trust, National Association	10.4%

Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.

Fee change alerts

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