Compared with Washington
6 of 16
compared fees are above the median.
6 below, 4 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
55th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Washington median
of 16 compared; 6 below, 4 about the same
See the feesFee schedule read Oct 4, 2026
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) 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 Washington median | Published fees above the Washington 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
Fee income was 7.0% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (55th 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 $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.
6 of 16 compared published fees sit above the Washington 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.
Comparison with Washington medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
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.
Fee income fell 4.6% from Q3 2025 to Q2 2026, to $6.7M. Its share of revenue, 7.0%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$6.7M
Spokane Teachers 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.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Spokane Teachers 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 | $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% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Spokane Teachers 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 Spokane Teachers Federal Credit Union by share.
Amounts from Spokane Teachers Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Incorrect address fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| NSF item paid fee | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft fee (Privilege pay) | $29Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF item returned | $29Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Card replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush card replacement delivery | $20Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Foreign transaction fee (audience not stated, treated as personal) | 2%of the transaction | per year | None |
Wire Transfers | |||
| Outgoing wire transfer | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming wire transfer | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing Fee (non-member) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash Advance Fee | $5Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Account Services | |||
| Notary Service | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnishment Processing | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Outgoing Transfer | $20Below the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Loan Payment by Debit Card | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip payment | $30Inside 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
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.
Where Spokane Teachers Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
54 offices in 3 states (June 30, 2026)
Each dot is one office.
53 of 54 offices on the map. 5 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Spokane, WA | 10 |
| Spokane Valley, WA | 4 |
| Coeur D Alene, ID | 2 |
| Kennewick, WA | 2 |
| Liberty Lake, WA | 2 |
| Richland, WA | 2 |
| Airway Heights, WA | 1 |
| Baker City, OR | 1 |
Largest competitors nearby
Local market: Spokane county, WA, around its headquarters.
| 28 in its local market | Deposit share |
|---|---|
| Washington Trust Bank | 32.9% |
| Wells Fargo Bank, National Association | 12% |
| U.S. Bank National Association | 10.6% |
| JPMorgan Chase Bank, National Association | 10.2% |
| Banner Bank | 9% |
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.