Compared with Idaho
5 of 17
compared fees are above the median.
7 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
52nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Idaho median
of 17 compared; 7 below, 5 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for St Joe Valley 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 Idaho median | Published fees above the Idaho median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | St Joe Valley Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.5% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (52nd 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 $15K in Q2 2026, 15% above the same quarter a year earlier ($13K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 17 compared published fees sit above the Idaho median; 7 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 Idaho medians for fees published by banks and credit unions.
Monthly Maintenance
NSF / Returned Item
Compared at $23, the middle of its prices
Foreign Transaction
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Idaho, 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 50% from Q3 2025 to Q2 2026, to $15K. Its share of revenue, 7.5%, is above the 7.2% median for credit unions with under $300M in assets.
$15K
St Joe Valley 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.
St Joe Valley Federal Credit Union · $14M in assets
Credit unions under $300M in assets that publish fees
Credit unions in the same asset-size band that publish fees, for comparing published prices. Not local competitors: they're spread over 53 states. A pricing set: it is not the financial cohort under Financial performance, which is drawn from Call Report filings in the band.
Showing the 50 closest in assets of 1,583 peers; medians use all 1,583.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| St Joe Valley Federal Credit Union(this institution) | St Maries, ID | $14M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Acadiana Medical Federal Credit Union | Lafayette, LA | $14M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Acme Federal Credit Union | Eastlake, OH | $15M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Ampot Federal Credit Union | Hamilton, MS | $15M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Atchison Village Federal Credit Union | Richmond, CA | $13M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Blackhawk Federal Credit Union | Beaver Falls, PA | $15M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Blaw-Knox Federal Credit Union | Mattoon, IL | $13M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Brockport Federal Credit Union | Brockport, NY | $15M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cape Federal Credit Union | Clarksburg, WV | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cen Tex Manufacturing Federal Credit Union | Brownwood, TX | $15M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cherokee County Teachers Federal Credit Union | Rusk, TX | $14M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Connecticut Labor Dept Federal Credit Union | Wethersfield, CT | $14M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Derry Area Federal Credit Union | Derry, PA | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dixie Line Federal Credit Union | Nashville, TN | $15M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fasson Employees Federal Credit Union | Painesville, OH | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fedmont Federal Credit Union | Montgomery, AL | $13M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Four Corners Federal Credit Union | Kirtland, NM | $15M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Georgetown University Alumni And St Federal Credit Union | Washington, DC | $14M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greater Kinston Federal Credit Union | Kinston, NC | $14M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hialeah Municipal Employees Federal Credit Union | Hialeah, FL | $14M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| I B E W 175 Federal Credit Union | Chattanooga, TN | $14M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| L.A. Healthcare Federal Credit Union | Los Angeles, CA | $15M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Local 1233 Federal Credit Union | Newark, NJ | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Local 24 Employees Federal Credit Union | Pasadena, TX | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mississippi Highway Safty Pat Federal Credit Union | Jackson, MS | $13M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Morris Sheppard Texarkana Federal Credit Union | Texarkana, TX | $13M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northeast Nebraska Federal Credit Union | Norfolk, NE | $14M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| P C Federal Credit Union | Port Allegany, PA | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Presidents Federal Credit Union | Cleves, OH | $15M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Profinance Federal Credit Union | Merrillville, IN | $15M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Puget Sound Refinery Federal Credit Union | Anacortes, WA | $16M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Quaker Oats Federal Credit Union | Cedar Rapids, IA | $13M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rapides General Hospital Empl Federal Credit Union | Alexandria, LA | $13M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| River Town Federal Credit Union | Fort Smith, AR | $15M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Romney Federal Credit Union | Romney, WV | $15M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Scott Associates Federal Credit Union | Marysville, OH | $15M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Spojnia Federal Credit Union | Scranton, PA | $14M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Springfield City Employees Federal Credit Union | Springfield, IL | $13M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Swemp Federal Credit Union | Texarkana, TX | $13M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Teamsters Federal Credit Union | Blaine, MN | $13M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Transfiguration Parish Federal Credit Union | Brooklyn, NY | $13M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Tulane/Loyola Federal Credit Union | New Orleans, LA | $15M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Two Rivers Federal Credit Union | Arkadelphia, AR | $14M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Association Federal Credit Union | Concord, CA | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Hospital Center Federal Credit Union | Bridgeport, WV | $13M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Valdosta Teachers Federal Credit Union | Valdosta, GA | $13M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Vermilion Employees Federal Credit Union | Abbeville, LA | $15M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Virginia State University Federal Credit Union | South Chesterfield, VA | $13M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Virginia United Methodist Federal Credit Union | North Chesterfield, VA | $15M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wilmington Police & Fire Federal Credit Union | Wilmington, DE | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Winslow Santa Fe Federal Credit Union | Winslow, AZ | $15M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
1,583 peers selected · 478 publish this fee(monthly maintenance)
1,105 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $3, against a peer median of $5 among 478 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 Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee, among the 50 peers shown
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 St Joe Valley Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $15K | +$3K | +25.0% |
| Q1 2026 | $12K | −$1K | −7.7% |
| Q4 2025 | $13K | +$3K | +30.0% |
| Q3 2025 | $10K | −$3K | −23.1% |
| Q2 2025 | $13K | +$2K | +18.2% |
| Q1 2025 | $11K | $0 | 0.0% |
| Q4 2024 | $11K | +$1K | +10.0% |
| Q3 2024 | $10K | $0 | 0.0% |
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, St Joe Valley 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 St Joe Valley Federal Credit Union by share.
Amounts from St Joe Valley Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly maintenance fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| 1% Early account closing fee | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Return mail fee | $5Not compared: Quarterly charge, not monthly | per quarter | None |
Overdraft & NSF | |||
| NSF phone call fee | $16Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF return fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Auto overdraft from shares Loan Skip Payment fee | $28Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Replace lost ATM/Card | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Visa International transaction fee | $2Inside the U.S. middle 50% ($0 to $2.38 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing wire | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming wire | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Foreign wire | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Credit Union Official Checks 1 free per month then | $3.50Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $5Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop payment on check/sh draft | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Non-member check cashing | 1%($5 minimum, $25 maximum) | Not stated | None |
| Copy of share draft | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Debit Card Cash Advance Fee | $7Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| NSF return on deposited check | $12Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| SHARE DRAFT Notary fee | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnishment/Levy | $45Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Response to Subpoena | $45Below the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Verification of Accounts | $4Below the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA GIFT/TRAVEL MONEY CARDS IAT-International ACH fee | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Statement copy | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Overdraft paid by Line of Credit | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Real Estate Loan Application | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 15, 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 St Joe Valley Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| St Maries, ID | 1 |
Largest competitors nearby
Local market: Benewah county, ID, around its headquarters.
| 2 in its local market | Deposit share |
|---|---|
| Banner Bank | 50.1% |
| Columbia Bank | 49.9% |
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.