First Community Federal Credit Union

Headquarters: Chesterfield, Missouri
Charter: Credit Union
Assets: $5.0B
Fed district: St. Louis
Regulator: NCUA

Explore Hamilton View published fees

Compared with Missouri

4 of 16

compared fees are above the median.

8 below, 4 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 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Missouri median
of 16 compared; 8 below, 4 about the same
See the fees
Fee schedule read Nov 2, 2026

How these figures are measured

Call-report figures are for First 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) 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 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.	First Community Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: First 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 6.4% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B 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 $5.2M in Q2 2026, 1.5% above the same quarter a year earlier ($5.1M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 16 compared published fees sit above the Missouri median; 8 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 Missouri medians for fees published by banks and credit unions.

Monthly Maintenance
Checking I Account
First Community Federal Credit Union: $10
First Community Federal Credit Union: $10
Missouri median: $765 publishSt. Louis district median: $7140 publishU.S. median: $71,901 publish
Overdraft (OD)
First Community Federal Credit Union: $27.50
First Community Federal Credit Union: $27.50
Missouri median: $29.5079 publishSt. Louis district median: $30184 publishU.S. median: $302,603 publish
NSF / Returned Item
First Community Federal Credit Union: $27.50
First Community Federal Credit Union: $27.50
Missouri median: $2884 publishSt. Louis district median: $30199 publishU.S. median: $302,857 publish

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

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.

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).
Missouri: Banks and credit unions headquartered in Missouri that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis 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 8.1% from Q3 2025 to Q2 2026, to $5.2M. Its share of revenue, 6.4%, is below the 6.6% median for credit unions with $1B to $10B in assets.

Fee income, Q2 2026

$5.2M

$5.6MQ3 2025

$5.5MQ4 2025

$4.6MQ1 2026

$5.2MQ2 2026

Against the median (MO for fees)

Share of revenue6.4% / 6.6%
Overdraft$27.50 / $29.50
Non‑network ATM$1 / $1.13
Monthly maintenance$10 / $7

First 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.

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.

Is the lower share a matter of price, waivers, or a different mix of accounts?
Do waivers and balance requirements change what most customers actually pay?
Which fees make up most of fee income, and has that mix changed?

See a free sample report

Among its peers

First Community Federal Credit Union · $5B 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
$4.6B to $5.4B 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 Federal Credit Union(this institution)	Chesterfield, MO	$5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Affinity Plus Federal Credit Union	Saint Paul, MN	$5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
American Heritage Federal Credit Union	Philadelphia, PA	$5.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ascend Federal Credit Union	Tullahoma, TN	$4.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Blaze Federal Credit Union	Falcon Heights, MN	$4.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Canvas Federal Credit Union	Lone Tree, CO	$5.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Chevron Federal Credit Union	Concord, CA	$5.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Consumers Federal Credit Union	lake Forest, IL	$4.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Educational Employees Federal Credit Union	Fresno, CA	$5.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Eecu Federal Credit Union	Fort Worth, TX	$4.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Fairwinds Federal Credit Union	Orlando, FL	$5.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Founders Federal Credit Union	Lancaster, SC	$5.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Jovia Financial Federal Credit Union	Westbury, NY	$4.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Knoxville Tva Employees Federal Credit Union	Knoxville, TN	$5.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Liberty Federal Credit Union	Evansville, IN	$4.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Municipal Federal Credit Union	New York, NY	$5.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Northwest Federal Credit Union	Herndon, VA	$4.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Nusenda Federal Credit Union	Albuquerque, NM	$5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Ornl Federal Credit Union	Oak Ridge, TN	$5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Rally Federal Credit Union	Corpus Christi, TX	$4.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Robins Financial Federal Credit Union	Warner Robins, GA	$5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Stanford Federal Credit Union	Palo Alto, CA	$4.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sunward Federal Credit Union	Albuquerque, NM	$4.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas Dow Employees Federal Credit Union	Lake Jackson, TX	$5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Tower Federal Credit Union	Laurel, MD	$5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Washington State Employees Federal Credit Union	Olympia, WA	$5.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $2 (25%) above the median of similar-sized credit unions.

Its published price is $10, against a peer median of $8 among 13 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 Federal C…Peer (equal prices stack)Peer median

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 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 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: $5.2M
vs prior quarter: +$555K+12.1%; from Q1 2026
vs a year earlier: +$75K+1.5%; from Q2 2025
vs start of range: −$129K−2.4%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: First 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	$5.2M	+$555K	+12.1%
Q1 2026	$4.6M	−$881K	−16.1%
Q4 2025	$5.5M	−$126K	−2.2%
Q3 2025	$5.6M	+$527K	+10.4%
Q2 2025	$5.1M	+$100K	+2.0%
Q1 2025	$5.0M	−$279K	−5.3%
Q4 2024	$5.3M	−$25K	−0.5%
Q3 2024	$5.3M	+$339K	+6.9%

Fee-income share against its size cohort

Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, First Community Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

First Community Federal Credit Union: 6.4%
Percentile: 47th
25th percentile: 4.5%
Median: 6.6%
75th percentile: 8.9%

First Community Federal Credit Union 6.4%Median 6.6%Middle half 4.5% to 8.9%Peers at each share7 above 20%, counted in the last bar

Find a peer (451)

The 15 closest to First Community 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 Federal Credit Union’s own schedules, with a source for each figure.

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

Account Maintenance

Checking I Account Monthly service charge (audience not stated, treated as personal)$10
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Member Account Inactivity Service Charge$5
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Research...................................................$20.00 per hour
Invalid Address Service Charge$5
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

ATM/Debit Overdraft Charge$27.50
Inside the U.S. middle 50% ($25 to $33 nationally)
per item
Paid NSF Item (audience not stated, treated as personal)$27.50
Inside the U.S. middle 50% ($25 to $33 nationally)
per item
Return Items Return NSF Item$27.50
Inside the U.S. middle 50% ($25 to $32 nationally)
EFT Overdraft Transfer Charge$2
Inside the U.S. middle 50% ($2 to $5 nationally)
per item
EFT Overdraft Transfer Charge$2
Not compared: Daily charge, not per item
per day

Fee	Amount	Basis	Note
Account Maintenance
Checking I Account Monthly service charge (audience not stated, treated as personal)	$10Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Member Account Inactivity Service Charge	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Research...................................................$20.00 per hour
Invalid Address Service Charge	$5Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
ATM/Debit Overdraft Charge	$27.50Inside the U.S. middle 50% ($25 to $33 nationally)	per item	None
Paid NSF Item (audience not stated, treated as personal)	$27.50Inside the U.S. middle 50% ($25 to $33 nationally)	per item	None
Return Items Return NSF Item	$27.50Inside the U.S. middle 50% ($25 to $32 nationally)	Not stated	None
EFT Overdraft Transfer Charge	$2Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
EFT Overdraft Transfer Charge	$2Not compared: Daily charge, not per item	per day	None
ATM & Card
ATM/Debit Card (ATM owner-imposed surcharges may apply.) Foreign ATM Transactions	$1Inside the U.S. middle 50% ($1 to $2 nationally)	per item	None
Foreign ATM Transactions	$1Inside the U.S. middle 50% ($1 to $2 nationally)	per transaction	None
Foreign ATM Transactions (audience not stated, treated as personal)	$1Inside the U.S. middle 50% ($1 to $2 nationally)	per item	None
Card Replacement Charge	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per item	None
Card Rush Charge (domestic)	$60Above the U.S. middle 50% ($30 to $50 nationally)	per item	None
Wire Transfers
Outgoing Domestic Wire	$20Inside the U.S. middle 50% ($20 to $25 nationally)	per item	None
Wire Transactions Outgoing Domestic Wire (audience not stated, treated as personal)	$20Not compared: Annual charge, not per item	per year	None
Check Services
Cash On-Us Check/Cashier’s Check (audience not stated, treated as personal)	$5Inside the U.S. middle 50% ($3 to $6 nationally)	per item	None
Cashier's Check	$5Inside the U.S. middle 50% ($3 to $6 nationally)	per item	None
Cashier's Check (more than 2)	$2Below the U.S. middle 50% ($3 to $6 nationally)	per item	None
Delete Stop Payment	$27.50Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Stop Payment on Check or ACH	$27.50Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Foreign Check Deposit ($10,000 or more)	$125Above the U.S. middle 50% ($10 to $26 nationally)	Not stated	None
ACH Check Copy/Research	$2Not compared: Charged per document; comparison unavailable	per document	ACH Check Copy/Research............................. $2.00 per document
Check Copy	$2Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Digital & Electronic
Expedited Bill Pay Check (2-Day Delivery)	$19.95Not compared: Per-item charge, not monthly	per item	None
EXPRESSnet Online Bill Payment Service	No chargeInside the U.S. middle 50% ($0 to $6 nationally)	Not stated	None
Cash & Deposit
Returned Deposited Item	$13Inside the U.S. middle 50% ($9 to $25 nationally)	per item	None
Account Services
Safe Deposit Box 10x10	$75Above the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box 10x10 (audience not stated, treated as personal)	$75Above the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box 3x10	$30Below the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box 3x10 (audience not stated, treated as personal)	$30Below the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box 3x5	$15Below the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box 3x5 (audience not stated, treated as personal)	$15Below the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box 5x10	$45Inside the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box 5x10 (audience not stated, treated as personal)	$45Inside the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box Late Payment Charge	$10Not compared: Box drilling or key fee	per year	None
Safe Deposit Box: Replace Lock (audience not stated, treated as personal)	$125Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box2 3x5 (audience not stated, treated as personal)	$15Below the U.S. middle 50% ($32.50 to $60 nationally)	per item	None
Other Fees
Statement Copy	$1.50Not compared: Charged per statement; comparison unavailable	per statement	Statement Copy ............................................... $1.50 per statement

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Showing 5 of 39 fees.

Correct a fee source

Nov 2, 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 Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

42 offices in 2 states (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

6 are shown at the middle of their town until the exact address is found.

Cities with the most offices

Saint Louis, MO	6
Florissant, MO	3
Arnold, MO	2
Glen Carbon, IL	2
O Fallon, MO	2
Saint Charles, MO	2
Wentzville, MO	2
Belleville, IL	1

Largest competitors nearby

Local market: St. Louis county, MO, around its headquarters.

75 in its local market	Deposit share
Commerce Bank	12.4%
Bank of America, National Association	12.4%
U.S. Bank National Association	12.2%
Enterprise Bank & Trust	9.2%
Regions Bank	5.9%

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

Fee change alerts

First Community Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Monthly maintenance is $2 (25%) above the median of similar-sized credit unions.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at First Community Federal Credit Union changes in our data

First Community Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Monthly maintenance is $2 (25%) above the median of similar-sized credit unions.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at First Community Federal Credit Union changes in our data