Compared with Montana
4 of 19
compared fees are above the median.
8 below, 7 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
96th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Montana median
of 19 compared; 8 below, 7 about the same
See the feesFee schedule read Oct 9, 2026
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) 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 Montana median | Published fees above the Montana 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
Fee income was 19% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (96th 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 $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.
4 of 19 compared published fees sit above the Montana 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.
Comparison with Montana medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
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.
Fee income rose 5.2% from Q3 2025 to Q2 2026, to $951K. Its share of revenue, 19%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$951K
Intrepid 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 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.
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.
| 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.
Peer pricing snapshot
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.
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.
Call reports for Intrepid 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 | $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% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Intrepid 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 Intrepid Federal Credit Union by share.
Amounts from Intrepid Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure Fee (open < 90 days) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Return Mail Fee (no forwarding) (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| ATM Withdrawal Overdraft | $28Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft fee | $28Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Non-Sufficient Funds/NSF | $28Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Privilege | $28Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds/NSF | $28Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Foreign ATM (out-of-network transaction) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM/Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| ATM/Debit Card or PIN Rush Order | $50Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Check Services | |||
| Stop Payment | $28Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Draft (check) (limit 8per month) (audience not stated, treated as personal) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Non-Member Check Cashing | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Copies of a canceled draft (check) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Intrepid Originated ACH Items Returned NSF | $28Inside the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
| Online Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposit Item Return | $28Above the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
| Night Depository | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Notary Service for members | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Service for non-members | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Levy/Garnishment Execution | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Retirement & IRA | |||
| IRA Maintenance | $10Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| Direct IRA Transfer | $20Below the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Photocopies | $0.10Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Skip-a-payment | $20Inside the U.S. middle 50% ($20 to $37.50 nationally) | 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
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.
Where Intrepid Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Helena, MT | 4 |
| Billings, MT | 2 |
| Bozeman, MT | 1 |
Largest competitors nearby
Local market: Lewis and Clark county, MT, around its headquarters.
| 15 in its local market | Deposit share |
|---|---|
| Glacier Bank | 24.5% |
| First Interstate Bank | 17.8% |
| Opportunity Bank of Montana | 14.1% |
| Stockman Bank of Montana | 13.1% |
| Wells Fargo Bank, National Association | 11.9% |
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.