Compared with Iowa
5 of 17
compared fees are above the median.
7 below, 5 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 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Iowa median
of 17 compared; 7 below, 5 about the same
See the feesFee schedule read Oct 19, 2026
Call-report figures are for Community 1St 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 Iowa median | Published fees above the Iowa median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Community 1St Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 19, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 16% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B 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 $3.1M in Q2 2026, 4.9% above the same quarter a year earlier ($2.9M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 17 compared published fees sit above the Iowa median; 7 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 Iowa medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 7.1% from Q3 2025 to Q2 2026, to $3.1M. Its share of revenue, 16%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$3.1M
Community 1St 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.
Community 1St Federal Credit Union · $1.1B 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Community 1St Federal Credit Union(this institution) | Ottumwa, IA | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 1St Advantage Federal Credit Union | Newport News, VA | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Abbott Laboratories Federal Credit Union | Gurnee, IL | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Alliance Federal Credit Union | Lubbock, TX | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Atlantic Regional Federal Credit Union | South Portland, ME | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Blupeak Federal Credit Union | San Diego, CA | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Family Security Federal Credit Union | Decatur, AL | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Source Federal Credit Union | New Hartford, NY | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Fivepoint Federal Credit Union | Nederland, TX | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hawaiian Financial Federal Credit Union | Honolulu, HI | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hfs Federal Credit Union | Hilo, HI | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Justice Federal Credit Union | Chantilly, VA | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kirtland Federal Credit Union | Albuquerque, NM | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lafcu Federal Credit Union | Lansing, MI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Marine Federal Credit Union | La Crosse, WI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Michigan Educational Federal Credit Union | Plymouth, MI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Neighborhood Federal Credit Union | Dallas, TX | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Country Federal Credit Union | Burlington, VT | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Peach State Federal Credit Union | Lawrenceville, GA | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Point Breeze Federal Credit Union | Hunt Valley, MD | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Radiant Federal Credit Union | Gainesville, FL | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Raiz Federal Credit Union | El Paso, TX | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Topline Financial Federal Credit Union | Maple Grove, MN | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Utah Power Federal Credit Union | Murray, UT | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Velocity Federal Credit Union | Austin, TX | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vermont Federal Credit Union | So Burlington, VT | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 $6.75 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 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Community 1St 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 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Community 1St 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 | $3.1M | +$329K | +12.0% |
| Q1 2026 | $2.7M | −$146K | −5.1% |
| Q4 2025 | $2.9M | +$19K | +0.7% |
| Q3 2025 | $2.9M | −$60K | −2.1% |
| Q2 2025 | $2.9M | +$282K | +10.7% |
| Q1 2025 | $2.6M | −$76K | −2.8% |
| Q4 2024 | $2.7M | −$21K | −0.8% |
| Q3 2024 | $2.7M | +$40K | +1.5% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Community 1St 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 Community 1St Federal Credit Union by share.
Amounts from Community 1St Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per quarter
per month
per hour
per month
per year
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Minimum Balance Fee - ClubGO Savings | $15Not compared: Quarterly charge, not monthly | per quarter | None |
| Minimum Balance Fee - Money Market | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Mailed Paper Statement Fee | $1.50Below the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned Mail Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Fee (applies to items paid) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non Sufficient Funds Fee/NSF Fee (applies to items returned unpaid) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer from Savings Account | $5Not compared: Daily charge, not per item | per day | None |
ATM & Card | |||
| ATM Transaction Fee or Balance Inquiry (at a non-C1st ATM, in excess of 10 per month) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Cashiers Check Made Payable to 3rd Party (without checking relationship) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $29Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $3Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing Fee (without checking relationship) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Origination Transfer Fee | $2Below the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposited Check Fee | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Safe Deposit Box - 10x10 Box Rental | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box - 3x10 Box Rental | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box - 3x5 Box Rental | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box - 5x10 Box Rental | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box - 5x5 Box Rental | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box - Lost Key or Drilling | $100Not compared: Box drilling or key fee | Not stated | None |
| Garnishments/Levy | $35Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Lien Subordination Fee | $150Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Gift Card | $3.50Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
per month
per hour · Account Research | $30.00 per hour*
per month
per month
per day
per year
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Minimum Balance Fee – Money Market | $15 | per month | None |
| Account Research | $30Not compared: Charged per hour; comparison unavailable | per hour | Account Research | $30.00 per hour* |
| Excessive Withdrawals - Money Market Account (Excess of six per calendar month.) | $7Not compared: Monthly charge, not per item | per month | None |
| Returned Mail Fee | $5 | per month | None |
Overdraft & NSF | |||
| Overdraft Transfer from Savings Account | $5Not compared: Daily charge, not per item | per day | None |
ATM & Card | |||
| ATM Transaction Fee or Balance Inquiry (at a non-C1st ATM, in excess of 10 per month) | $1 | per item | None |
| Debit Card Replacement | $10 | Not stated | None |
Wire Transfers | |||
| Wire Transfer - Outbound Domestic | $20 | Not stated | None |
Check Services | |||
| Stop Payment | $29 | Not stated | None |
| Temporary Checks | $3 | Not stated | None |
Digital & Electronic | |||
| ACH File Origination | $5 | Not stated | None |
| ACH Per Item Returned Fee | $5 | per item | None |
Cash & Deposit | |||
| Coin Processing | 1% | Not stated | None |
| Returned Deposited Check Fee | $5 | Not stated | None |
Account Services | |||
| Safe Deposit Box - 10x10 Box Rental | $60 | per year | None |
| Safe Deposit Box - 3x10 Box Rental | $25 | per year | None |
| Safe Deposit Box - 3x5 Box Rental | $15 | per year | None |
| Safe Deposit Box - 5x10 Box Rental | $30 | per year | None |
| Safe Deposit Box - 5x5 Box Rental | $20 | per year | None |
| Safe Deposit Box - Lost Key or Drilling | $100Not compared: Box drilling or key fee | Not stated | None |
| Garnishments/Levy | $35 | Not stated | None |
| Lien Subordination Fee | $150 | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Gift Card | $3.50 | per item | None |
Oct 19, 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 Community 1St Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
24 offices in 1 state (June 30, 2026)
Each dot is one office.
4 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Ottumwa, IA | 5 |
| Albia, IA | 1 |
| Atlantic, IA | 1 |
| Avoca, IA | 1 |
| Bloomfield, IA | 1 |
| Cedar Rapids, IA | 1 |
| Centerville, IA | 1 |
| Chariton, IA | 1 |
Largest competitors nearby
Local market: Wapello county, IA, around its headquarters.
| 9 in its local market | Deposit share |
|---|---|
| South Ottumwa Savings Bank | 52.9% |
| U.S. Bank National Association | 15.7% |
| Wells Fargo Bank, National Association | 13.9% |
| Iowa State Bank and Trust Company of Fairfield, Iowa | 9.3% |
| The Libertyville Savings Bank | 4.6% |
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.