Compared with Maryland
1 of 21
compared fees are above the median.
15 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
24th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Maryland median
of 21 compared; 15 below, 5 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for Lm 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 Maryland median | Published fees above the Maryland median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Lm 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 3.5% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (24th 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 $36K in Q2 2026, 80% above the same quarter a year earlier ($20K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
1 of 21 compared published fees sit above the Maryland median; 15 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 Maryland medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $1, the middle of its prices. Leaves out 1 fee charged on a different basis filed under this fee.
Monthly Maintenance
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 64% from Q3 2025 to Q2 2026, to $36K. Its share of revenue, 3.5%, is below the 7.2% median for credit unions with under $300M in assets.
$36K
Lm 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. *Non-network ATM: Listed at $0.50 to $1.50; we compare the midpoint.
Lm Federal Credit Union · $60M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Lm Federal Credit Union(this institution) | Baltimore, MD | $60M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Acclaim Federal Credit Union | Greensboro, NC | $60M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| American Lake Federal Credit Union | Lakewood, WA | $60M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Buffalo Conrail Federal Credit Union | Cheektowaga, NY | $61M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| C C S E Federal Credit Union | Salamanca, NY | $61M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Pioneers Federal Credit Union | Lafayette, LA | $61M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gratiot Community Federal Credit Union | Alma, MI | $60M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Green River Area Federal Credit Union | Owensboro, KY | $60M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Horizon Federal Credit Union | Macon, MO | $59M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Horizon Federal Credit Union | Kingsport, TN | $60M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jackson Area Federal Credit Union | Jackson, MS | $61M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Loco Federal Credit Union | Alamogordo, NM | $61M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Loudoun Credit Union | Leesburg, VA | $60M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merho Federal Credit Union | Johnstown, PA | $61M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Metco Federal Credit Union | Cedar Rapids, IA | $59M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mill Town Federal Credit Union | Everett, WA | $60M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Mohave Community Federal Credit Union | Kingman, AZ | $61M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Motion Federal Credit Union | Linden, NJ | $60M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New Century Federal Credit Union | Joliet, IL | $60M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Nordstrom Federal Credit Union | Everett, WA | $60M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Promedica Federal Credit Union | Toledo, OH | $60M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Remington Federal Credit Union | Ilion, NY | $60M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Rt Federal Credit Union | Rome, NY | $59M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| San Juan Mountains Federal Credit Union | Montrose, CO | $61M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Summit Federal Credit Union | Akron, OH | $59M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| University Of Louisiana Federal Credit Union | Lafayette, LA | $61M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $4.81 among 10 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 26, 2026.
Monthly maintenance fee in dollars, one mark per institution
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 26, 2026. Total assets from FDIC and NCUA records.
Call reports for Lm 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 | $36K | +$15K | +71.4% |
| Q1 2026 | $21K | −$1K | −4.5% |
| Q4 2025 | $22K | $0 | 0.0% |
| Q3 2025 | $22K | +$2K | +10.0% |
| Q2 2025 | $20K | $0 | 0.0% |
| Q1 2025 | $20K | −$2K | −9.1% |
| Q4 2024 | $22K | +$2K | +10.0% |
| Q3 2024 | $20K | $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, Lm 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 Lm Federal Credit Union by share.
Amounts from Lm Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per item
per item
per month
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee: No (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account | $6Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Free Checking: Applies if the account is inactive for 90-days | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Paper Statement Fee (waiver for under 18 or over 62) | $1Below the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
Overdraft & NSF | |||
| Returned Item Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer from Rediline Overdraft Loan (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Overdraft Transfer from Rediline Overdraft Loan | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Account Balances At a Foreign ATM | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Account Transfers at a Foreign ATM (audience not stated, treated as personal) | $0.50Below the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM Withdrawals (10 per month) | $1.50Not compared: Monthly charge, not per item | per month | None |
| Foreign ATM Withdrawal Fee | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Visa Check Card & Cirrus ATM Currency Conversion Fee (audience not stated, treated as personal) | 1.5%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Out Fee- Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Out Fee- International | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashiers Check Fee | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $1.25Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Orders | $1.75Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Check Printing (audience not stated, treated as personal) | $18.69Inside the U.S. middle 50% ($0.20 to $18.69 nationally) | Not stated | None |
| Stop Payment Fee | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Cashing a check drawn on LM Federal | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Photocopy of Paid Check and Checks Deposited (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Machine Fee | 3% | Not stated | None |
| Returned Deposited or Cashed Item | $10Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Public | $2Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Public Service | $2Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Court attachments/account levy handling | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Garnishment/Levy | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| 3rd Party Written Account Verification | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Gift Cards | $4.99Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Duplicate statement of account or 1099/1098 | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Issuance of Duplicate Vehicle Lien Release for Non-members | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Paper Statement Fee (waiver for under 18 or over 62) | $1Below the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
ATM & Card | |||
| ATM Withdrawals (10 per month) | $1.50Not compared: Monthly charge, not per item | per month | None |
Check Services | |||
| Cashing a check drawn on LM Federal | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay & Zelle | $4.95 | per month | None |
| Business accoutns: Internet Bill Pay | $4.95 | per month | None |
Cash & Deposit | |||
| Coin Machine Fee | 3% | Not stated | None |
Account Services | |||
| Notary Public Service | $2Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Court attachments/account levy handling | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Duplicate statement of account or 1099/1098 | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Issuance of Duplicate Vehicle Lien Release for Non-members | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | 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 Lm Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Baltimore, MD | 2 |
| Jessup, MD | 1 |
Largest competitors nearby
Local market: Baltimore city, Baltimore and Anne Arundel counties, MD, around its headquarters.
| 51 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 32.2% |
| Manufacturers and Traders Trust Company | 22% |
| Truist Bank | 9.6% |
| PNC Bank, National Association | 9.1% |
| Wells Fargo Bank, National Association | 7% |
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.