Compared with Michigan
5 of 21
compared fees are above the median.
7 below, 9 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
86th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 21 compared; 7 below, 9 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for Service 1 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 Michigan median | Published fees above the Michigan median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Service 1 Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 14% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (86th 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 $582K in Q2 2026, 20% above the same quarter a year earlier ($485K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 21 compared published fees sit above the Michigan 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 Michigan medians for fees published by banks and credit unions.
Non-Network ATM
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 14% from Q3 2025 to Q2 2026, to $582K. Its share of revenue, 14%, is above the 7.2% median for credit unions with under $300M in assets.
$582K
Service 1 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.
Service 1 Federal Credit Union · $199M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Service 1 Federal Credit Union(this institution) | Muskegon, MI | $199M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Abbey Federal Credit Union | Vandalia, OH | $200M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Aim Federal Credit Union | Dubuque, IA | $201M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Awakon Federal Credit Union | Onaway, MI | $203M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Beach Municipal Federal Credit Union | Virginia Beach, VA | $195M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Big Island Federal Credit Union | Hilo, HI | $195M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central Virginia Federal Credit Union | Lynchburg, VA | $198M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Federal Credit Union | Big Spring, TX | $202M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Coloramo Federal Credit Union | Grand Junction, CO | $196M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Downriver Community Federal Credit Union | Ecorse, MI | $193M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Duke University Federal Credit Union | Durham, NC | $203M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Endurance Federal Credit Union | Duncan, OK | $196M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Financial Trust Federal Credit Union | Cheektowaga, NY | $203M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Membersource Federal Credit Union | Houston, TX | $196M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Northeast Community Federal Credit Union | Elizabethton, TN | $194M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| P & G Mehoopany Employees Federal Credit Union | Tunkhannock, PA | $195M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Polish-American Federal Credit Union | Troy, MI | $195M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Riverfall Federal Credit Union | Tuscaloosa, AL | $194M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Saco Valley Federal Credit Union | Saco, ME | $196M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Schools Federal Credit Union | Torrance, CA | $196M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sentinel Federal Credit Union | Box Elder, SD | $199M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sky Federal Credit Union | Livingston, MT | $197M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Southwest Montana Community Federal Credit Union | Anaconda, MT | $203M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Spirit Of Alaska Federal Credit Union | Fairbanks, AK | $201M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Trunorth Federal Credit Union | Ishpeming, MI | $203M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| White Eagle Federal Credit Union | Augusta, KS | $199M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8 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 Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Service 1 Federal Credit Union does not publish a monthly maintenance 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Service 1 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 | $582K | +$49K | +9.2% |
| Q1 2026 | $533K | +$1K | +0.2% |
| Q4 2025 | $532K | +$22K | +4.3% |
| Q3 2025 | $510K | +$25K | +5.2% |
| Q2 2025 | $485K | +$35K | +7.8% |
| Q1 2025 | $450K | −$109K | −19.5% |
| Q4 2024 | $559K | +$22K | +4.1% |
| Q3 2024 | $537K | +$32K | +6.3% |
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, Service 1 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 Service 1 Federal Credit Union by share.
Amounts from Service 1 Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per statement · Paper Account Statement (per statement; w/regular share acct. only; excludes minors) | $3.00
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Accounts Closed Within 1 Year of Opening | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormancy (per month after 1 year with no account activity; exempt if under 18 or aggregate balance over $500) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research/Reconciliation (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Account Statement (per statement; w/regular share acct. only; excludes minors) | $3Not compared: Charged per statement; comparison unavailable | per statement | Paper Account Statement (per statement; w/regular share acct. only; excludes minors) | $3.00 |
Overdraft & NSF | |||
| Non-Sufficient Funds (NSF) Non-Return (per presentment) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
Nov 3, 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 Service 1 Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Muskegon, MI | 2 |
| Neosho, MO | 1 |
| Norton Shores, MI | 1 |
| Shell Knob, MO | 1 |
Largest competitors nearby
Local market: Muskegon county, MI, around its headquarters.
| 17 in its local market | Deposit share |
|---|---|
| Fifth Third Bank, National Association | 36.5% |
| PNC Bank, National Association | 19% |
| The Huntington National Bank | 17.1% |
| ChoiceOne Bank | 16.3% |
| The Shelby State Bank | 5.7% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts