Michigan Columbus Federal Credit Union

Headquarters: Livonia, Michigan
Charter: Credit Union
Assets: $75.0M
Fed district: Chicago

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

Source: its fee schedule, read Oct 6, 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 6, 2026

How these figures are measured

Call-report figures are for Michigan Columbus 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.	Michigan Columbus Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 6, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Michigan Columbus 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 $108K in Q2 2026, about level with the same quarter a year earlier ($108K).
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
Michigan Columbus Federal Credit Union: No fee
Michigan Columbus Federal Credit Union: No fee
U.S. median: no median
Overdraft (OD)
Michigan Columbus Federal Credit Union: $30
Michigan Columbus Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Michigan Columbus Federal Credit Union: $32
Michigan Columbus Federal Credit Union: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

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.

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).
Michigan: Banks and credit unions headquartered in Michigan that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 57% from Q3 2025 to Q2 2026, to $108K.

Fee income, Q2 2026

$108K

$69KQ3 2025

$71KQ4 2025

$83KQ1 2026

$108KQ2 2026

Against the median

Michigan Columbus 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

Michigan Columbus Federal Credit Union · $75M 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 18 states.

Credit unions only
$73M to $76M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Michigan Columbus Federal Credit Union(this institution)	Livonia, MI	$75M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Albright Federal Credit Union	Bethel, CT	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Altamaha Federal Credit Union	Jesup, GA	$74M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Blackstone River Federal Credit Union	Woonsocket, RI	$75M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Champion Federal Credit Union	Toledo, OH	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Chattanooga Federal Employees	Chattanooga, TN	$76M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Cleveland-Bradley Cty Teacher Federal Credit Union	Cleveland, TN	$74M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Daviess County Teachers Federal Credit Union	Owensboro, KY	$75M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Education Personnel Federal Credit Union	Danville, IL	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ely Area Federal Credit Union	Ely, MN	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Evergreendirect Federal Credit Union	Tumwater, WA	$76M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Priority Federal Credit Union	Huntington, WV	$75M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Health Care Family Federal Credit Union	Saint Louis, MO	$75M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Integrity Federal Credit Union	Barberton, OH	$73M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kbr Heritage Federal Credit Union	Houston, TX	$76M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
L C E Federal Credit Union	Painesville, OH	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members 1St Federal Credit Union	Saint Louis, MO	$76M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New England Teamsters Federal Credit Union	Charlestown, MA	$75M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
New York Times Employees Federal Credit Union	New York, NY	$74M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northern Star Credit Union, Inc.	Portsmouth, VA	$74M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Omaha Firefighters Federal Credit Union	Omaha, NE	$76M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Peoples Federal Credit Union	Springfield, CO	$75M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Southern Federal Credit Union	Houston, TX	$76M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Teamsters Council #37 Federal Credit Union	Portland, OR	$76M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Texan Sky Federal Credit Union	Dumas, TX	$75M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Virginia Educators Credit Union	Newport News, VA	$76M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	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.

Fee type

Peer pricing snapshot

Monthly maintenance is $5 (100%) below the median of similar-sized credit unions.

Its published price is $0, against a peer median of $5 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 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Michigan Columbus Federal…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 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 Michigan Columbus 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: $108K
vs prior quarter: +$25K+30.1%; from Q1 2026
vs a year earlier: $00.0%; from Q2 2025
vs start of range: +$38K+54.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Michigan Columbus 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	$108K	+$25K	+30.1%
Q1 2026	$83K	+$12K	+16.9%
Q4 2025	$71K	+$2K	+2.9%
Q3 2025	$69K	−$39K	−36.1%
Q2 2025	$108K	+$36K	+50.0%
Q1 2025	$72K	−$5K	−6.5%
Q4 2024	$77K	+$7K	+10.0%
Q3 2024	$70K	+$6K	+9.4%

Fee-income share against its size cohort

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

Published fee schedule

Amounts from Michigan Columbus Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly MaintenanceNo charge
per month
Dormant Account (after 1 year)/monthly$6
per month
Mailed Statement$5
Invalid Address (after 60 days)$5

Overdraft & NSF

Courtesy Pay (Per Item)$30
per item
Non-Sufficient Funds (NSF)$32

ATM & Card

Out of Network ATM Transaction$3.50
Not compared: Annual charge, not per item
per year

Wire Transfers

Domestic Outgoing Wire$30

Check Services

Cashier Check$5
per item
Stop Payment (ACH/Check)$35
per item
Starter Checks or Temporary (4 checks)$5
Non-Member Check Cashing$5
Copies of checks, statements$3

Cash & Deposit

Coin Processing$5
Deposited Item Returned$25

Account Services

Garnishment or Levy$75

Retirement & IRA

IRA Annual Fee$50
per year

Vehicle & Title

Paper Title Lien Verification$16

Gift & Prepaid Cards

Gift Card$5

Other Fees

Loan Modification$75
Skip-A-Pay (2 per year)$35
Not compared: Annual charge, not per item
per year

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	No charge	per month	None
Dormant Account (after 1 year)/monthly	$6	per month	None
Mailed Statement	$5	Not stated	None
Invalid Address (after 60 days)	$5	Not stated	None
Overdraft & NSF
Courtesy Pay (Per Item)	$30	per item	None
Non-Sufficient Funds (NSF)	$32	Not stated	None
ATM & Card
Out of Network ATM Transaction	$3.50Not compared: Annual charge, not per item	per year	None
Wire Transfers
Domestic Outgoing Wire	$30	Not stated	None
Check Services
Cashier Check	$5	per item	None
Stop Payment (ACH/Check)	$35	per item	None
Starter Checks or Temporary (4 checks)	$5	Not stated	None
Non-Member Check Cashing	$5	Not stated	None
Copies of checks, statements	$3	Not stated	None
Cash & Deposit
Coin Processing	$5	Not stated	None
Deposited Item Returned	$25	Not stated	None
Account Services
Garnishment or Levy	$75	Not stated	None
Retirement & IRA
IRA Annual Fee	$50	per year	None
Vehicle & Title
Paper Title Lien Verification	$16	Not stated	None
Gift & Prepaid Cards
Gift Card	$5	Not stated	None
Other Fees
Loan Modification	$75	Not stated	None
Skip-A-Pay (2 per year)	$35Not compared: Annual charge, not per item	per year	None

Correct a fee source

Oct 6, 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 Michigan Columbus Federal Credit Union's wire transfer changes in our data

We check once a day and send one email covering every change.