Our Community Federal Credit Union

Headquarters: Shelton, Washington
Charter: Credit Union
Assets: $638.3M
Fed district: San Francisco
Regulator: NCUA

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

Source: its fee schedule, read Oct 27, 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 27, 2026

How these figures are measured

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) 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.	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

Details

Source: NCUA 5300 call report
Entity: Our Community 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 $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.

Fees against the market

Comparison with U.S. 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
Our Community Federal Credit Union: $7 to $8
Our Community Federal Credit Union: $7 to $8
U.S. median: no median
Overdraft (OD)
Our Community Federal Credit Union: $28
Our Community Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Our Community Federal Credit Union: $28
Our Community Federal Credit Union: $28
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 27, 2026View sources

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.

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).
Washington: Banks and credit unions headquartered in Washington that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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 3.0% from Q3 2025 to Q2 2026, to $1.6M.

Fee income, Q2 2026

$1.6M

$1.6MQ3 2025

$1.6MQ4 2025

$1.6MQ1 2026

$1.6MQ2 2026

Against the median

Our Community 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

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.

Credit unions only
$618M to $659M 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
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $1.50 (25%) above the median of similar-sized credit unions.

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

Our Community Federal Cre…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

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.

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 Our Community Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: $1.6M
vs prior quarter: +$77K+4.9%; from Q1 2026
vs a year earlier: −$83K−4.8%; from Q2 2025
vs start of range: −$26K−1.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Our Community 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	$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%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Elevation Checking monthly fee$7
per month
Monthly fee$7
per month
Monthly Service Fee$7
per month
Monthly Service Fee$8
per month
Summit Checking monthly fee$8
per month
Summit Checking monthly fee$8
per month
Account Closure$10
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Privilege Pay$28
per item
Non-Sufficient Funds (NSF)$28
per item

Check Services

Cashier’s Check$2
per item
ACH Stop Payment$10
per item
Bill Pay Stop Payment$20
per item
Cashier’s Check Stop Payment$10
per item
Check Stop Payment$10
per item

Cash & Deposit

Chargeback Payment Reversal$15
Deposit Item Return$10
per item
Night Drop Key$10

Account Services

2 X 11 N/A N/A$45
3 X 11 N/A N/A$55
3 X 5 N/A$20
4 X 11 N/A N/A$65
5 X 10 N/A$50
Safe Deposit Box 3 X 10 (audience not stated, treated as personal)$45
Safe Deposit Box 5 X 5$35
per year
Safe Deposit Box 6 X 10$60
per year
Safe Deposit Box Fees Shelton McCleary/Elma Vashon Size Annual Rent Annual Rent Annual Rent 2 X 5$25
per year
Garnishment/Levy Processing$20

Other Fees

Fax$5
Statement Copy$1
per item
HELOC document preparation fee$800
one time
HELOC Government Fee$80
one time

Fee	Amount	Basis	Note
Account Maintenance
Elevation Checking monthly fee	$7	per month	None
Monthly fee	$7	per month	None
Monthly Service Fee	$7	per month	None
Monthly Service Fee	$8	per month	None
Summit Checking monthly fee	$8	per month	None
Summit Checking monthly fee	$8	per month	None
Account Closure	$10	Not stated	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Privilege Pay	$28	per item	None
Non-Sufficient Funds (NSF)	$28	per item	None
Check Services
Cashier’s Check	$2	per item	None
ACH Stop Payment	$10	per item	None
Bill Pay Stop Payment	$20	per item	None
Cashier’s Check Stop Payment	$10	per item	None
Check Stop Payment	$10	per item	None
Cash & Deposit
Chargeback Payment Reversal	$15	Not stated	None
Deposit Item Return	$10	per item	None
Night Drop Key	$10	Not stated	None
Account Services
2 X 11 N/A N/A	$45	Not stated	None
3 X 11 N/A N/A	$55	Not stated	None
3 X 5 N/A	$20	Not stated	None
4 X 11 N/A N/A	$65	Not stated	None
5 X 10 N/A	$50	Not stated	None
Safe Deposit Box 3 X 10 (audience not stated, treated as personal)	$45	Not stated	None
Safe Deposit Box 5 X 5	$35	per year	None
Safe Deposit Box 6 X 10	$60	per year	None
Safe Deposit Box Fees Shelton McCleary/Elma Vashon Size Annual Rent Annual Rent Annual Rent 2 X 5	$25	per year	None
Garnishment/Levy Processing	$20	Not stated	None
Other Fees
Fax	$5	Not stated	None
Statement Copy	$1	per item	None
HELOC document preparation fee	$800	one time	None
HELOC Government Fee	$80	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

Account Maintenance

Monthly Service Fee$7
per month
Monthly Service Fee$8
per month
Account Closure$10
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Privilege Pay$28
per item
Non-Sufficient Funds (NSF)$28
per item

Check Services

Cashier’s Check$2
per item
ACH Stop Payment$10
per item
Bill Pay Stop Payment$20
per item
Cashier’s Check Stop Payment$10
per item
Check Stop Payment$10
per item

Digital & Electronic

ACH Origination Return$10
per item

Cash & Deposit

Chargeback Payment Reversal$15
Deposit Item Return$10
per item
Night Drop Key$10

Account Services

Garnishment/Levy Processing$20

Other Fees

Fax$5
Statement Copy$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	$7	per month	None
Monthly Service Fee	$8	per month	None
Account Closure	$10	Not stated	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Privilege Pay	$28	per item	None
Non-Sufficient Funds (NSF)	$28	per item	None
Check Services
Cashier’s Check	$2	per item	None
ACH Stop Payment	$10	per item	None
Bill Pay Stop Payment	$20	per item	None
Cashier’s Check Stop Payment	$10	per item	None
Check Stop Payment	$10	per item	None
Digital & Electronic
ACH Origination Return	$10	per item	None
Cash & Deposit
Chargeback Payment Reversal	$15	Not stated	None
Deposit Item Return	$10	per item	None
Night Drop Key	$10	Not stated	None
Account Services
Garnishment/Levy Processing	$20	Not stated	None
Other Fees
Fax	$5	Not stated	None
Statement Copy	$1	per item	None

Correct a fee source

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.

Fee change alerts

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