Compared with Florida
11 of 19
compared fees are above the median.
4 below, 4 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
45th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Florida median
of 19 compared; 4 below, 4 about the same
See the feesFee schedule read Oct 21, 2026
Call-report figures are for Ithink Financial 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 Florida median | Published fees above the Florida median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Ithink Financial Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 21, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.3% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (45th 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 $2.2M in Q2 2026, 5.4% above the same quarter a year earlier ($2.1M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
11 of 19 compared published fees sit above the Florida median; 4 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 Florida medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 1.0% from Q3 2025 to Q2 2026, to $2.2M. Its share of revenue, 6.3%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$2.2M
Ithink Financial 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.
Ithink Financial Federal Credit Union · $2.4B 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 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Ithink Financial Federal Credit Union(this institution) | Boca Raton, FL | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Advancial Federal Credit Union | Dallas, TX | $2.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Atlanta Postal Federal Credit Union | Atlanta, GA | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Austin Telco Federal Credit Union | Austin, TX | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Barksdale Federal Credit Union | Barksdale Afb, LA | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Blue Federal Credit Union | Cheyenne, WY | $2.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Brightbridge Federal Credit Union | Lawrence, MA | $2.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Centra Federal Credit Union | Columbus, IN | $2.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Dort Financial Federal Credit Union | Grand Blanc, MI | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Elements Financial Federal Credit Union | Indianapolis, IN | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Elga Federal Credit Union | Grand Blanc, MI | $2.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Empeople Federal Credit Union | Moline, IL | $2.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Firefighters First Federal Credit Union | Los Angeles, CA | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Franklin Mint Federal Credit Union | Chadds Ford, PA | $2.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Georgia United Federal Credit Union | Duluth, GA | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| I. H. Mississippi Valley Federal Credit Union | Moline, IL | $2.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Iq Federal Credit Union | Vancouver, WA | $2.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jeanne D'Arc Federal Credit Union | Lowell, MA | $2.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Kemba Financial Federal Credit Union | Gahanna, OH | $2.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kitsap Federal Credit Union | Bremerton, WA | $2.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Lbs Financial Federal Credit Union | Long Beach, CA | $2.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Lighthouse Federal Credit Union | Dover, NH | $2.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Max Federal Credit Union | Montgomery, AL | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texans Federal Credit Union | Richardson, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Westconsin Federal Credit Union | Menomonie, WI | $2.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Workers Federal Credit Union | Littleton, MA | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5, the middle of its two prices, against a peer median of $6.75 among 14 publishing peers.
Its two checking prices are $5 and $5.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 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 Oct 29, 2026. Total assets from FDIC and NCUA records.
Call reports for Ithink Financial Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 44 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $2.2M | −$9K | −0.4% |
| Q1 2026 | $2.2M | −$23K | −1.0% |
| Q4 2025 | $2.2M | +$9K | +0.4% |
| Q3 2025 | $2.2M | +$134K | +6.5% |
| Q2 2025 | $2.1M | −$26K | −1.2% |
| Q1 2025 | $2.1M | −$26K | −1.2% |
| Q4 2024 | $2.1M | −$50K | −2.3% |
| Q3 2024 | $2.2M | +$287K | +15.2% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Ithink Financial 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 Ithink Financial Federal Credit Union by share.
Amounts from Ithink Financial 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 hour
per month
per item
per item
per item · Per 12 checks, must have existing account
per item
per item
per item
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Checking monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Money Market minimum balance violation | $9Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant account (per inactive account) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research/balancing (1/2 hour minimum) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper statement monthly service | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft transaction | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned item/insufficient funds (Check or ACH) | $29Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft protection transfer | $7Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Non-Credit Union ATM transaction | $3Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| International Service Assessment (ISA) | 2% | Not stated | None |
Wire Transfers | |||
| Domestic outgoing wire | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| International outgoing wire | $60Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Loan Fees: Official check | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop payment (ACH or check) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Check | $5 | per item | Per 12 checks, must have existing account |
| Foreign check collection | $15Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay expedited payment - check | $18.95Not compared: Per-item charge, not monthly | per item | None |
| Bill Pay expedited payment - EFT/check | $9.95Not compared: Per-item charge, not monthly | per item | None |
Cash & Deposit | |||
| Deposited check returned | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Deposited check returned from self | $32Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary FL/GA | $10Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary GA | $2Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Lost Key (1) | $20Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Box | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10” x 10” | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3” x 10” | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3”x 5” | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
Other Fees | |||
| Statement copy | $8Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Skip-A-Payment | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account | $10 | per month | None |
| Invalid Address | $3 | per month | None |
Check Services | |||
| Official check | $10 | per item | None |
| Temporary Check | $5 | per item | Per 12 checks, must have existing account |
| Temporary check (must have existing account) | $5 | Not stated | None |
Account Services | |||
| | Lost Key (1) | $20Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Box 5” x 10” | $75 | per year | None |
Oct 21, 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 Ithink Financial Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
23 offices in 2 states (June 30, 2026)
Each dot is one office.
3 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Fort Pierce, FL | 2 |
| Port St Lucie, FL | 2 |
| Vero Beach, FL | 2 |
| Atlanta, GA | 1 |
| Boca Raton, FL | 1 |
| Boynton Beach, FL | 1 |
| Delray Beach, FL | 1 |
| Fellsmere, FL | 1 |
Largest competitors nearby
Local market: Palm Beach county, FL, around its headquarters.
| 62 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 15.7% |
| JPMorgan Chase Bank, National Association | 15% |
| Wells Fargo Bank, National Association | 14.2% |
| PNC Bank, National Association | 12.4% |
| Truist Bank | 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.