Four fees from its schedule are published so far: monthly maintenance $6.95, NSF / returned item $30, debit card replacement $10 and 1 more.
Source: its fee schedule, read Oct 17, 2026.
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
77th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 17, 2026
Call-report figures are for Cardinal Credit Union, Inc., 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 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. | Cardinal Credit Union, Inc.'s published fee schedule; Bank Fee Index medians | Current schedule | Oct 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 11% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (77th 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 $640K in Q2 2026, 6.8% above the same quarter a year earlier ($599K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
1 of 3 compared published fees sit above the Ohio median; 0 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 Ohio medians for fees published by banks and credit unions.
Monthly Maintenance
NSF / Returned Item
Debit Card Replacement
Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Call reports for Cardinal Credit Union, Inc. (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 26 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $640K | +$25K | +4.1% |
| Q1 2026 | $615K | −$18K | −2.8% |
| Q4 2025 | $633K | −$13K | −2.0% |
| Q3 2025 | $646K | +$47K | +7.8% |
| Q2 2025 | $599K | +$71K | +13.4% |
| Q1 2025 | $528K | −$6K | −1.1% |
| Q4 2024 | $534K | −$22K | −4.0% |
| Q3 2024 | $556K | −$20K | −3.5% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Cardinal Credit Union, Inc. left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Cardinal Credit Union, Inc. by share.
Amounts from Cardinal Credit Union, Inc.’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee: Only | $6.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Nonsufficient funds fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Replacement card fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Foreign transactions | 1%of the transaction | Not stated | None |
Oct 17, 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 Cardinal Credit Union, Inc. operates, and what regulators and customers have on file.
Branch footprint
13 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
| Mentor, OH | 4 |
| Cleveland, OH | 2 |
| Willoughby, OH | 2 |
| Ashtabula, OH | 1 |
| Canfield, OH | 1 |
| Chardon, OH | 1 |
| Eastlake, OH | 1 |
| Kirtland, OH | 1 |
Largest competitors nearby
Local market: Lake county, OH, around its headquarters.
| 23 in its local market | Deposit share |
|---|---|
| The Huntington National Bank | 22.2% |
| JPMorgan Chase Bank, National Association | 18.8% |
| KeyBank National Association | 10.2% |
| Fifth Third Bank, National Association | 8.4% |
| Citizens Bank, National Association | 8% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows