Intrepid Federal Credit Union

Headquarters: Helena, Montana
Charter: Credit Union
Assets: $310.8M
Fed district: Minneapolis
Regulator: NCUA

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

Source: its fee schedule, read Oct 9, 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 9, 2026

How these figures are measured

Call-report figures are for Intrepid 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.	Intrepid Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 9, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Intrepid 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 $951K in Q2 2026, 9.2% above the same quarter a year earlier ($871K).
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.

Overdraft (OD)
Intrepid Federal Credit Union: $28
Intrepid Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Intrepid Federal Credit Union: $28
Intrepid Federal Credit Union: $28
U.S. median: no median
Non-Network ATM
Intrepid Federal Credit Union: $1
Intrepid Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Montana, the Minneapolis 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).
Montana: Banks and credit unions headquartered in Montana that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 rose 5.2% from Q3 2025 to Q2 2026, to $951K.

Fee income, Q2 2026

$951K

$904KQ3 2025

$1.0MQ4 2025

$891KQ1 2026

$951KQ2 2026

Against the median

Intrepid 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

Intrepid Federal Credit Union · $311M 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 21 states.

Credit unions only
$300M to $320M in assets
Headquartered in 21 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
Intrepid Federal Credit Union(this institution)	Helena, MT	$311M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Access Federal Credit Union	Clinton, NY	$320M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bowater Employees Federal Credit Union	Calhoun, TN	$303M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Dannemora Federal Credit Union	Plattsburgh, NY	$320M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fall River Municipal Federal Credit Union	Fall River, MA	$316M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Harvesters Federal Credit Union	Cantonment, FL	$317M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Jetstream Federal Credit Union	Miami Lakes, FL	$307M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lookout Federal Credit Union	Pocatello, ID	$314M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Loyalty Federal Credit Union	Pensacola, FL	$300M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Members1St Community Federal Credit Union	Marshalltown, IA	$311M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Membersalliance Federal Credit Union	Rockford, IL	$304M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mtc Federal Credit Union	Greenville, SC	$303M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New Horizons Federal Credit Union	Mobile, AL	$304M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Northwest Plus Federal Credit Union	Everett, WA	$315M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Oc Federal Credit Union	Garfield Hts, OH	$315M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Otis Federal Credit Union	Jay, ME	$300M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pacific N W Federal Credit Union	Portland, OR	$317M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Peninsula Community Federal Credit Union	Shelton, WA	$304M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Preferred Federal Credit Union	Grand Rapids, MI	$318M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Riverfront Federal Credit Union	Wyomissing, PA	$320M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Riverland Federal Credit Union	New Orleans, LA	$320M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Santa Barbara Teachers Federal Credit Union	Santa Barbara, CA	$308M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
United Federal Credit Union	Mexico, MO	$302M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Valley Communities Federal Credit Union	Mosinee, WI	$307M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
Vapr Federal Credit Union	San Juan, PR	$316M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Zia Federal Credit Union	Los Alamos, NM	$308M	Publishes Monthly maintenance	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.

Fee type

Peer pricing snapshot

Intrepid Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $8.73 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 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Intrepid Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Intrepid Federal Credit U…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 Intrepid 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: $951K
vs prior quarter: +$60K+6.7%; from Q1 2026
vs a year earlier: +$80K+9.2%; from Q2 2025
vs start of range: +$54K+6.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Intrepid 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	$951K	+$60K	+6.7%
Q1 2026	$891K	−$115K	−11.4%
Q4 2025	$1.0M	+$102K	+11.3%
Q3 2025	$904K	+$33K	+3.8%
Q2 2025	$871K	+$145K	+20.0%
Q1 2025	$726K	−$123K	−14.5%
Q4 2024	$849K	−$48K	−5.4%
Q3 2024	$897K	+$81K	+9.9%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Account Closure Fee (open < 90 days)$20
Inactive Account$5
per item
Return Mail Fee (no forwarding) (audience not stated, treated as personal)$5

Overdraft & NSF

ATM Withdrawal Overdraft$28
per item
Overdraft fee$28
per item
Overdraft Non-Sufficient Funds/NSF$28
per item
Overdraft Privilege$28
per item
Non-Sufficient Funds/NSF$28
per item

ATM & Card

Foreign ATM (out-of-network transaction)$1
per item
ATM/Debit Card Replacement$10
per item
ATM/Debit Card or PIN Rush Order$50
per item

Check Services

Stop Payment$28
per item
Counter Draft (check) (limit 8per month) (audience not stated, treated as personal)$1
per item
Non-Member Check Cashing$5
per item
Copies of a canceled draft (check)$2
per item

Digital & Electronic

Intrepid Originated ACH Items Returned NSF$28
Online Bill PayNo charge

Cash & Deposit

Deposit Item Return$28
per item
Night DepositoryNo charge

Account Services

Notary Service for membersNo charge
Notary Service for non-members$5
per item
Levy/Garnishment Execution$75
per item

Retirement & IRA

IRA Maintenance$10
per year
Direct IRA Transfer$20
per item

Other Fees

Photocopies$0.10
per item
Skip-a-payment$20
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closure Fee (open < 90 days)	$20	Not stated	None
Inactive Account	$5	per item	None
Return Mail Fee (no forwarding) (audience not stated, treated as personal)	$5	Not stated	None
Overdraft & NSF
ATM Withdrawal Overdraft	$28	per item	None
Overdraft fee	$28	per item	None
Overdraft Non-Sufficient Funds/NSF	$28	per item	None
Overdraft Privilege	$28	per item	None
Non-Sufficient Funds/NSF	$28	per item	None
ATM & Card
Foreign ATM (out-of-network transaction)	$1	per item	None
ATM/Debit Card Replacement	$10	per item	None
ATM/Debit Card or PIN Rush Order	$50	per item	None
Check Services
Stop Payment	$28	per item	None
Counter Draft (check) (limit 8per month) (audience not stated, treated as personal)	$1	per item	None
Non-Member Check Cashing	$5	per item	None
Copies of a canceled draft (check)	$2	per item	None
Digital & Electronic
Intrepid Originated ACH Items Returned NSF	$28	Not stated	None
Online Bill Pay	No charge	Not stated	None
Cash & Deposit
Deposit Item Return	$28	per item	None
Night Depository	No charge	Not stated	None
Account Services
Notary Service for members	No charge	Not stated	None
Notary Service for non-members	$5	per item	None
Levy/Garnishment Execution	$75	per item	None
Retirement & IRA
IRA Maintenance	$10	per year	None
Direct IRA Transfer	$20	per item	None
Other Fees
Photocopies	$0.10	per item	None
Skip-a-payment	$20	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

Correct a fee source

Oct 9, 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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