St Joe Valley Federal Credit Union

Headquarters: St Maries, Idaho
Charter: Credit Union
Assets: $14.0M
Fed district: San Francisco
Regulator: NCUA

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

Source: its fee schedule, read Oct 15, 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 15, 2026

How these figures are measured

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) 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.	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

Details

Source: NCUA 5300 call report
Entity: St Joe Valley 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 $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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
St Joe Valley Federal Credit Union: $3
St Joe Valley Federal Credit Union: $3
U.S. median: no median
NSF / Returned Item
Compared at $23, the middle of its prices
St Joe Valley Federal Credit Union: $16 to $30
St Joe Valley Federal Credit Union: $16 to $30
U.S. median: no median
Foreign Transaction
St Joe Valley Federal Credit Union: $2
St Joe Valley Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

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.

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).
Idaho: Banks and credit unions headquartered in Idaho 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 50% from Q3 2025 to Q2 2026, to $15K.

Fee income, Q2 2026

$15K

$10KQ3 2025

$13KQ4 2025

$12KQ1 2026

$15KQ2 2026

Against the median

St Joe Valley 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

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.

Credit unions only
Actual range: $679K to $300M
Headquartered in 53 states

Showing the 50 closest in assets of 1,583 peers; medians use all 1,583.

See the 50 institutions shown

The institutions in this peer set, with the fees each publishes
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 · 477 publish this fee(monthly maintenance)

1,106 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2 (40%) below the median of similar-sized credit unions.

Its published price is $3, against a peer median of $5 among 477 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 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

St Joe Valley Federal Cre…Peer (equal prices stack)Peer medianInclude 2 outliers ($20, $30)Shown past the axis break, not to scale, so the rest of the set has room.

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 4, 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 St Joe Valley Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $15K
vs prior quarter: +$3K+25.0%; from Q1 2026
vs a year earlier: +$2K+15.4%; from Q2 2025
vs start of range: +$5K+50.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: St Joe Valley 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	$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%

Fee-income share against its size cohort

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

Published fee schedule

Amounts from St Joe Valley Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly maintenance fee$3
per month
1% Early account closing fee$10
Return mail fee$5
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

NSF phone call fee$16
NSF return fee$30
Auto overdraft from shares Loan Skip Payment fee$28

ATM & Card

Replace lost ATM/Card$8
per item
Visa International transaction fee$2

Wire Transfers

Outgoing wire$30
Incoming wire$10
Foreign wire$50

Check Services

Credit Union Official Checks 1 free per month then$3.50
per item
Stop Payment$5
Stop payment on check/sh draft$25
Non-member check cashing1%($5 minimum, $25 maximum)
Copy of share draft$2

Cash & Deposit

Debit Card Cash Advance Fee$7
NSF return on deposited check$12

Account Services

SHARE DRAFT Notary fee$5
Garnishment/Levy$45
Response to Subpoena$45
Verification of Accounts$4

Gift & Prepaid Cards

VISA GIFT/TRAVEL MONEY CARDS IAT-International ACH fee$5

Other Fees

Statement copy$1
Overdraft paid by Line of Credit$10
Real Estate Loan Application$35

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance fee	$3	per month	None
1% Early account closing fee	$10	Not stated	None
Return mail fee	$5Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
NSF phone call fee	$16	Not stated	None
NSF return fee	$30	Not stated	None
Auto overdraft from shares Loan Skip Payment fee	$28	Not stated	None
ATM & Card
Replace lost ATM/Card	$8	per item	None
Visa International transaction fee	$2	Not stated	None
Wire Transfers
Outgoing wire	$30	Not stated	None
Incoming wire	$10	Not stated	None
Foreign wire	$50	Not stated	None
Check Services
Credit Union Official Checks 1 free per month then	$3.50	per item	None
Stop Payment	$5	Not stated	None
Stop payment on check/sh draft	$25	Not stated	None
Non-member check cashing	1%($5 minimum, $25 maximum)	Not stated	None
Copy of share draft	$2	Not stated	None
Cash & Deposit
Debit Card Cash Advance Fee	$7	Not stated	None
NSF return on deposited check	$12	Not stated	None
Account Services
SHARE DRAFT Notary fee	$5	Not stated	None
Garnishment/Levy	$45	Not stated	None
Response to Subpoena	$45	Not stated	None
Verification of Accounts	$4	Not stated	None
Gift & Prepaid Cards
VISA GIFT/TRAVEL MONEY CARDS IAT-International ACH fee	$5	Not stated	None
Other Fees
Statement copy	$1	Not stated	None
Overdraft paid by Line of Credit	$10	Not stated	None
Real Estate Loan Application	$35	Not stated	None

Correct a fee source

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.

Fee change alerts

Get an email when St Joe Valley Federal Credit Union's early account closure changes in our data

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