Spokane Teachers Federal Credit Union

Headquarters: Liberty Lake, Washington
Charter: Credit Union
Assets: $6.4B
Fed district: San Francisco
Regulator: NCUA

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

Source: its fee schedule, read Oct 4, 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 Oct 4, 2026

How these figures are measured

Call-report figures are for Spokane Teachers 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.	Spokane Teachers Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 4, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Spokane Teachers 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 $6.7M in Q2 2026, 11% below the same quarter a year earlier ($7.5M).
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.

Monthly Maintenance
Spokane Teachers Federal Credit Union: $5
Spokane Teachers Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Spokane Teachers Federal Credit Union: $29
Spokane Teachers Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
Spokane Teachers Federal Credit Union: $29
Spokane Teachers Federal Credit Union: $29
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Washington, the San Francisco 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).
Washington: Banks and credit unions headquartered in Washington that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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 4.6% from Q3 2025 to Q2 2026, to $6.7M.

Fee income, Q2 2026

$6.7M

$7.0MQ3 2025

$7.7MQ4 2025

$7.8MQ1 2026

$6.7MQ2 2026

Against the median

Spokane Teachers 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

Spokane Teachers Federal Credit Union · $6.4B 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 13 states.

Credit unions only
$5.4B to $7.4B in assets
Headquartered in 13 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
Spokane Teachers Federal Credit Union(this institution)	Liberty Lake, WA	$6.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	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
Apple Federal Credit Union	Fairfax, VA	$5.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank Fund Staff Federal Credit Union	Washington, DC	$7.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	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
Citadel Federal Credit Union	Exton, PA	$6.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Coastal Federal Credit Union	Raleigh, NC	$6.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community First Federal Credit Union	Appleton, WI	$6.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
Everwise Federal Credit Union	South Bend, IN	$5.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Genisys Federal Credit Union	Auburn Hills, MI	$6.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kinecta Federal Credit Union	Manhattan Beach, CA	$6.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Langley Federal Credit Union	Newport News, VA	$5.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Mission Federal Credit Union	San Diego, CA	$7.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Nasa Federal Credit Union	Upper Marlboro, MD	$5.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Royal Federal Credit Union	Eau Claire, WI	$5.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Service Federal Credit Union	Portsmouth, NH	$6.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Employees Credit Union of Maryland	Linthicum, MD	$5.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
State Farm Federal Credit Union	Bloomington, IL	$5.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Tinker Federal Credit Union	Oklahoma City, OK	$6.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Travis Federal Credit Union	Vacaville, CA	$5.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Truliant Federal Credit Union	Winston Salem, NC	$5.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Trustone Financial Federal Credit Union	Plymouth, MN	$6.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
University Of Wisconsin Federal Credit Union	Madison, WI	$6.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Virginia Federal Credit Union	Richmond, VA	$7.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wescom Central Federal Credit Union	Pasadena, CA	$6.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $3.75 (43%) below the median of similar-sized credit unions.

Its published price is $5, against a peer median of $8.75 among 17 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 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Spokane Teachers Federal…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 Oct 31, 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 Spokane Teachers 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: $6.7M
vs prior quarter: −$1.1M−14.6%; from Q1 2026
vs a year earlier: −$812K−10.9%; from Q2 2025
vs start of range: −$131K−1.9%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Spokane Teachers 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	$6.7M	−$1.1M	−14.6%
Q1 2026	$7.8M	+$87K	+1.1%
Q4 2025	$7.7M	+$730K	+10.5%
Q3 2025	$7.0M	−$488K	−6.5%
Q2 2025	$7.5M	+$742K	+11.0%
Q1 2025	$6.7M	−$385K	−5.4%
Q4 2024	$7.1M	+$324K	+4.8%
Q3 2024	$6.8M	+$458K	+7.2%

Fee-income share against its size cohort

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

Published fee schedule

Amounts from Spokane Teachers Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly service charge$5
per month
Incorrect address fee$5
per month

Overdraft & NSF

NSF item paid fee$29
per item
Overdraft fee (Privilege pay)$29
NSF item returned$29

ATM & Card

Card replacement$5
Rush card replacement delivery$20
Foreign transaction fee (audience not stated, treated as personal)2%of the transaction
per year

Wire Transfers

Outgoing wire transfer$25
per item
Incoming wire transferNo charge

Check Services

Money Order$5
per item
Stop payment$25
per item
Check Cashing Fee (non-member)$5

Cash & Deposit

Cash Advance Fee$5

Account Services

Notary Service$5
Garnishment Processing$75

Retirement & IRA

IRA Outgoing Transfer$20

Other Fees

Loan Payment by Debit Card$10
Skip payment$30

Fee	Amount	Basis	Note
Account Maintenance
Monthly service charge	$5	per month	None
Incorrect address fee	$5	per month	None
Overdraft & NSF
NSF item paid fee	$29	per item	None
Overdraft fee (Privilege pay)	$29	Not stated	None
NSF item returned	$29	Not stated	None
ATM & Card
Card replacement	$5	Not stated	None
Rush card replacement delivery	$20	Not stated	None
Foreign transaction fee (audience not stated, treated as personal)	2%of the transaction	per year	None
Wire Transfers
Outgoing wire transfer	$25	per item	None
Incoming wire transfer	No charge	Not stated	None
Check Services
Money Order	$5	per item	None
Stop payment	$25	per item	None
Check Cashing Fee (non-member)	$5	Not stated	None
Cash & Deposit
Cash Advance Fee	$5	Not stated	None
Account Services
Notary Service	$5	Not stated	None
Garnishment Processing	$75	Not stated	None
Retirement & IRA
IRA Outgoing Transfer	$20	Not stated	None
Other Fees
Loan Payment by Debit Card	$10	Not stated	None
Skip payment	$30	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

Correct a fee source

Oct 4, 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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