Compared with Washington
4 of 11
compared fees are above the median.
6 below, 1 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 Washington median
of 11 compared; 6 below, 1 about the same
See the feesFee schedule read Oct 27, 2026
Call-report figures are for Our Community 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 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. | Our Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 27, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 18% 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 $1.6M in Q2 2026, 4.8% below the same quarter a year earlier ($1.7M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 11 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
Elevation Checking $7 · Summit Checking $8
Compared at $7.50, the middle of its prices
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 rose 3.0% from Q3 2025 to Q2 2026, to $1.6M. Its share of revenue, 18%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$1.6M
Our Community 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. *Monthly maintenance: Listed at $7 to $8; we compare the midpoint.
Our Community Federal Credit Union · $638M 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 |
|---|---|---|---|---|---|---|---|
| Our Community Federal Credit Union(this institution) | Shelton, WA | $638M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Adventure Federal Credit Union | Grand Rapids, MI | $646M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Align Federal Credit Union | Lowell, MA | $651M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Beehive Federal Credit Union | Rexburg, ID | $648M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central Willamette Federal Credit Union | Albany, OR | $618M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| City Federal Credit Union | Dallas, TX | $630M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Co-Op Federal Credit Union | Black River Falls, WI | $627M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Coast360 Federal Credit Union | Maite, GU | $633M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Embers Federal Credit Union | Marquette, MI | $622M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Emblem Credit Union | Gadsden, AL | $628M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Evergreen Federal Credit Union | Portland, ME | $645M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fedex Employees Credit Association Federal Credit Union | Memphis, TN | $641M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Financial Resources Federal Credit Union | Branchburg, NJ | $659M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Floridacentral Federal Credit Union | Tampa, FL | $622M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| G.P.O. Federal Credit Union | New Hartford, NY | $630M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Homeland Federal Credit Union | Chillicothe, OH | $624M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Inova Federal Credit Union | Elkhart, IN | $643M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Insight Federal Credit Union | Winter Springs, FL | $629M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Johns Hopkins Federal Credit Union | Baltimore, MD | $637M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Metro Credit Union | Omaha, NE | $646M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| National Police Federal Credit Union | Chicago, IL | $621M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Partner Colorado Federal Credit Union | Arvada, CO | $644M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Premier One Federal Credit Union | San Jose, CA | $656M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Security Federal Credit Union | Grand Blanc, MI | $653M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Town & Country Federal Credit Union | South Portland, ME | $621M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wasatch Peaks Federal Credit Union | Ogden, UT | $658M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7.50, the middle of its six prices, against a peer median of $6 among 11 publishing peers.
Its six checking prices are $7, $7, $7, $8, $8 and $8.
$7.50 is a comparison price, not a fee anyone is charged.
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
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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Our Community Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.6M | +$77K | +4.9% |
| Q1 2026 | $1.6M | −$16K | −1.0% |
| Q4 2025 | $1.6M | −$14K | −0.9% |
| Q3 2025 | $1.6M | −$130K | −7.6% |
| Q2 2025 | $1.7M | +$143K | +9.1% |
| Q1 2025 | $1.6M | −$55K | −3.4% |
| Q4 2024 | $1.6M | −$31K | −1.9% |
| Q3 2024 | $1.7M | +$30K | +1.8% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Our Community 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 Our Community Federal Credit Union by share.
Amounts from Our Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per month
per hour
per item
per item
per item
per item
per item
per year
per year
per year
per item
one time
one time
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Elevation Checking monthly fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Summit Checking monthly fee | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Summit Checking monthly fee | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closure | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Privilege Pay | $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 |
Check Services | |||
| Cashier’s Check | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| ACH Stop Payment | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Bill Pay Stop Payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Cashier’s Check Stop Payment | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Stop Payment | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Chargeback Payment Reversal | $15Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
| Deposit Item Return | $10Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Night Drop Key | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| 2 X 11 N/A N/A | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3 X 11 N/A N/A | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3 X 5 N/A | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 4 X 11 N/A N/A | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5 X 10 N/A | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 X 10 (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 X 5 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 6 X 10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Fees Shelton McCleary/Elma Vashon Size Annual Rent Annual Rent Annual Rent 2 X 5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment/Levy Processing | $20Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Fax | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| HELOC document preparation fee | $800Above the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
| HELOC Government Fee | $80Above the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closure | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Privilege Pay | $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 |
Check Services | |||
| Cashier’s Check | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| ACH Stop Payment | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Bill Pay Stop Payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Cashier’s Check Stop Payment | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Stop Payment | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination Return | $10 | per item | None |
Cash & Deposit | |||
| Chargeback Payment Reversal | $15Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
| Deposit Item Return | $10Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Night Drop Key | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Garnishment/Levy Processing | $20Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Fax | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 27, 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 Our Community Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
8 offices in 1 state (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Shelton, WA | 2 |
| Elma, WA | 1 |
| Mccleary, WA | 1 |
| Montesano, WA | 1 |
| Olympia, WA | 1 |
| Union, WA | 1 |
| Vashon, WA | 1 |
Largest competitors nearby
Local market: Mason county, WA, around its headquarters.
| 5 in its local market | Deposit share |
|---|---|
| KeyBank National Association | 33% |
| Heritage Bank | 30.6% |
| Columbia Bank | 22.6% |
| Olympia Federal Savings and Loan Association | 13.8% |
| Peninsula Community Federal Credit Union | Credit union |
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.