Compared with Montana
6 of 12
compared fees are above the median.
1 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
79th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Montana median
of 12 compared; 1 below, 5 about the same
See the feesFee schedule read Oct 23, 2026
Call-report figures are for Vocal 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 2,932 credit unions with under $300M 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. | Vocal Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 23, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 12% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (79th 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 $113K in Q2 2026, 8.7% above the same quarter a year earlier ($104K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 12 compared published fees sit above the Montana median; 1 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.
NSF / Returned Item
Overdraft (OD)
Stop Payment
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 was about level from Q3 2025 to Q2 2026, at $113K. Its share of revenue, 12%, is above the 7.2% median for credit unions with under $300M in assets.
$113K
Vocal 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 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Vocal Federal Credit Union · $53M 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 |
|---|---|---|---|---|---|---|---|
| Vocal Federal Credit Union(this institution) | Helena, MT | $53M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Aeroquip Federal Credit Union | Jackson, MI | $52M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Altonized Community Federal Credit Union | Alton, IL | $53M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Badger-Globe Federal Credit Union | Neenah, WI | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bar-Cons Federal Credit Union | Columbus, IN | $53M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central Jersey Police & Fire Federal Credit Union | Hamilton, NJ | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cutting Edge Federal Credit Union | Milwaukie, OR | $53M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Firstenergy Choice Federal Credit Union | Greensburg, PA | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Gr Consumers Federal Credit Union | Wyoming, MI | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hastings Federal Credit Union | Hastings, NE | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Inland Valley Federal Credit Union | fontana, CA | $54M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lubrizol Employees' Federal Credit Union | Deer Park, TX | $51M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Maroon Financial Federal Credit Union | Chicago, IL | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Mercer County Nj Teachers Federal Credit Union | Hamilton Square, NJ | $52M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Money Federal Credit Union | Syracuse, NY | $51M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| North Towns Federal Credit Union | Clarence, NY | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pipefitters-Steamfitters Federal Credit Union | Woodbury, MN | $52M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Qside Federal Credit Union | Queens Village, NY | $53M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Ravenswood Federal Credit Union | Ravenswood, WV | $54M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southeast Michigan State Employees Federal Credit Union | West Bloomfield, MI | $51M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Spirit Of America Federal Credit Union | Lincoln, NE | $53M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Telco Federal Credit Union | Tarboro, NC | $51M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Truservice Community Federal Credit Union | Little Rock, AR | $53M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tuscaloosa V A Federal Credit Union | Tuscaloosa, AL | $52M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| U.P.S. Employees Federal Credit Union | Ontario, CA | $52M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Yuma County Federal Credit Union | Yuma, CO | $53M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(out-of-network atm)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $2 among 9 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 Oct 26, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Vocal Federal Credit Union does not publish an out-of-network atm 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 Oct 26, 2026. Total assets from FDIC and NCUA records.
Call reports for Vocal Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 42 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $113K | +$8K | +7.6% |
| Q1 2026 | $105K | −$10K | −8.7% |
| Q4 2025 | $115K | +$2K | +1.8% |
| Q3 2025 | $113K | +$9K | +8.7% |
| Q2 2025 | $104K | +$5K | +5.1% |
| Q1 2025 | $99K | −$6K | −5.7% |
| Q4 2024 | $105K | $0 | 0.0% |
| Q3 2024 | $105K | −$5K | −4.5% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Vocal 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 Vocal Federal Credit Union by share.
Amounts from Vocal Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive Account Charge (per quarter after 12 months of inactivity) | $25Not compared: Quarterly charge, not monthly | per quarter | None |
| Account balancing assistance | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Mail | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds (NSF) Returned Item Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Debit/Credit Card Replacement | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Order on Plastic cards | $35Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Check Services | |||
| Stop Payment (single or series) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Check | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Draft Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Account Services | |||
| Notary Service | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Levy | $75Inside the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
| Mortgage Subordination | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Annual Maintenance Fee | $10Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA Transfer Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Fax | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Photocopies | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 23, 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 Vocal Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Helena, MT | 1 |
| White Sulphur Springs, 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.