Merck Sharp & Dohme Federal Credit Union

Headquarters: Chalfont, Pennsylvania
Charter: Credit Union
Assets: $1.0B
Fed district: Philadelphia
Regulator: NCUA

Explore Hamilton View published fees

Compared with Pennsylvania

9 of 20

compared fees are above the median.

4 below, 7 about the same.

About the same: within 1% of the median.

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
15th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Pennsylvania median
of 20 compared; 4 below, 7 about the same
See the fees
Fee schedule read Oct 12, 2026

How these figures are measured

Call-report figures are for Merck Sharp & Dohme 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 452 credit unions with $1B to $10B 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 Pennsylvania median	Published fees above the Pennsylvania median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Merck Sharp & Dohme Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 12, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Merck Sharp & Dohme 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 3.4% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (15th 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 $444K in Q2 2026, 21% above the same quarter a year earlier ($366K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
9 of 20 compared published fees sit above the Pennsylvania median; 4 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.

Fees against the market

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

Overdraft (OD)
Compared at $35, its standard fee, the highest of its prices
Merck Sharp & Dohme Federal Credit Union: $25 to $35
Merck Sharp & Dohme Federal Credit Union: $25 to $35
Pennsylvania median: $30118 publishPhiladelphia district median: $32.50102 publishU.S. median: $302,601 publish
NSF / Returned Item
Merck Sharp & Dohme Federal Credit Union: $35
Merck Sharp & Dohme Federal Credit Union: $35
Pennsylvania median: $30141 publishPhiladelphia district median: $30123 publishU.S. median: $302,858 publish
Non-Network ATM
Merck Sharp & Dohme Federal Credit Union: $1.50
Merck Sharp & Dohme Federal Credit Union: $1.50
Pennsylvania median: $1.5057 publishPhiladelphia district median: $1.5053 publishU.S. median: $1.501,650 publish

Published schedulesBanks and credit unionsRead Oct 12, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia 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).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia 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 15% from Q3 2025 to Q2 2026, to $444K. Its share of revenue, 3.4%, is below the 6.6% median for credit unions with $1B to $10B in assets.

Fee income, Q2 2026

$444K

$385KQ3 2025

$408KQ4 2025

$413KQ1 2026

$444KQ2 2026

Against the median (PA for fees)

Share of revenue3.4% / 6.6%
Overdraft$35* / $30
Non‑network ATM$1.50 / $1.50

Merck Sharp & Dohme 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.

Share of revenue: median of 452 credit unions with $1B to $10B in assets, Q2 2026.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Overdraft: Listed at $25 to $35; we compare the highest.

Is the lower share a matter of price, waivers, or a different mix of accounts?
Do waivers and balance requirements change what most customers actually pay?
Which fees make up most of fee income, and has that mix changed?

See a free sample report

Among its peers

Merck Sharp & Dohme Federal Credit Union · $1B 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 16 states.

Credit unions only
$967M to $1.1B in assets
Headquartered in 16 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
Merck Sharp & Dohme Federal Credit Union(this institution)	Chalfont, PA	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
4Front Federal Credit Union	Traverse City, MI	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alpena-Alcona Area Federal Credit Union	Alpena, MI	$976M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Altaone Federal Credit Union	Ridgecrest, CA	$967M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Belco Community Credit Union	Harrisburg, PA	$974M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Brazos Valley Schools Federal Credit Union	Katy, TX	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Brightstar Federal Credit Union	Fort Lauderdale, FL	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Del-One Federal Credit Union	Dover, DE	$983M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Enrichment Federal Credit Union	Oak Ridge, TN	$984M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Golden Plains Federal Credit Union	Garden City, KS	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Greater Texas Federal Credit Union	Austin, TX	$995M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Heritage Federal Credit Union	Newburgh, IN	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Houston Police Federal Credit Union	Houston, TX	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kellogg Community Federal Credit Union	Battle Creek, MI	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Latino Community Federal Credit Union	Durham, NC	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Matanuska Valley Federal Credit Union	Palmer, AK	$977M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mccoy Federal Credit Union	Orlando, FL	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Mirastar Federal Credit Union	San Jose, CA	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
People First Federal Credit Union	Allentown, PA	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Power Financial Federal Credit Union	Pembroke Pines, FL	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
St. Mary'S Federal Credit Union	Marlborough, MA	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tucson Federal Credit Union	Tucson, AZ	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
University Of Hawaii Federal Credit Union	Honolulu, HI	$976M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Water And Power Community Federal Credit Union	Los Angeles, CA	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Westby Co-Op Federal Credit Union	Westby, WI	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Westreet Federal Credit Union	Tulsa, OK	$967M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 11 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Merck Sharp & Dohme Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 11 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 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

Merck Sharp & Dohme Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Merck Sharp & Dohme Feder…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 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 Merck Sharp & Dohme 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: $444K
vs prior quarter: +$31K+7.5%; from Q1 2026
vs a year earlier: +$78K+21.3%; from Q2 2025
vs start of range: +$91K+25.8%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Merck Sharp & Dohme 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	$444K	+$31K	+7.5%
Q1 2026	$413K	+$5K	+1.2%
Q4 2025	$408K	+$23K	+6.0%
Q3 2025	$385K	+$19K	+5.2%
Q2 2025	$366K	+$1K	+0.3%
Q1 2025	$365K	−$21K	−5.4%
Q4 2024	$386K	+$33K	+9.3%
Q3 2024	$353K	+$1K	+0.3%

Fee-income share against its size cohort

Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Merck Sharp & Dohme Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Merck Sharp & Dohme Federal Credit Union: 3.4%
Percentile: 15th
25th percentile: 4.5%
Median: 6.6%
75th percentile: 8.9%

Merck Sharp & Dohme Federal Credit Union 3.4%Median 6.6%Middle half 4.5% to 8.9%Peers at each share7 above 20%, counted in the last bar

Find a peer (451)

The 15 closest to Merck Sharp & Dohme Federal Credit Union by share.

Details

Source: NCUA 5300 call report
Entity: Each credit union, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026), year to date
Measure: Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: Account 131 / (Account 115 + Account 117)

Published fee schedule

Amounts from Merck Sharp & Dohme Federal Credit Union’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Account Closing Fee$25
Inside the U.S. middle 50% ($10 to $25 nationally)
Inactive Account Fee (after three years)$5
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Account Reconciliation Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Withdrawal FeeNo charge
Below the U.S. middle 50% ($3 to $10 nationally)
Bad Address Fee$5
Inside the U.S. middle 50% ($5 to $7.50 nationally)
per month

Fee	Amount	Basis	Note
Account Maintenance
Account Closing Fee	$25Inside the U.S. middle 50% ($10 to $25 nationally)	Not stated	None
Inactive Account Fee (after three years)	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Account Reconciliation Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Withdrawal Fee	No chargeBelow the U.S. middle 50% ($3 to $10 nationally)	Not stated	None
Bad Address Fee	$5Inside the U.S. middle 50% ($5 to $7.50 nationally)	per month	None
Overdraft & NSF
Non-Sufficient Funds/Courtesy Pay Fee ++	$35Above the U.S. middle 50% ($25 to $33 nationally)	per item	None
Overdraft (OD)	$25Inside the U.S. middle 50% ($25 to $33 nationally)	Not stated	None
Non-Sufficient Funds/Return Item/	$35Above the U.S. middle 50% ($25 to $32 nationally)	per item	None
Overdraft Fee	$10Above the U.S. middle 50% ($2 to $5 nationally)	per item	None
ATM & Card
Non-MSDFCU Owned ATM Withdrawals	$1.50Inside the U.S. middle 50% ($1 to $2 nationally)	Not stated	None
Card Replacement Fee	$7Inside the U.S. middle 50% ($5 to $10 nationally)	per item	None
Foreign transaction fee (multiple currency) (audience not stated, treated as personal)	2%of the transaction	Not stated	None
International ATM / POS	2%	Not stated	None
Wire Transfers
Wire Transfers: Incoming+	$15Inside the U.S. middle 50% ($5 to $15 nationally)	per item	None
Check Services
Cashier’s Check Fee+	$5Inside the U.S. middle 50% ($3 to $6 nationally)	per item	None
Money Order Fee	$5Above the U.S. middle 50% ($2 to $3 nationally)	per item	None
Cashier’s Check Stop Payment Fee	$25Inside the U.S. middle 50% ($20 to $30 nationally)	Not stated	None
Stop Payment	$25Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Stop Payment Fee	$25Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Sheet of Temporary Checks	$5Above the U.S. middle 50% ($1 to $4 nationally)	per item	None
Copy of Check by Fax or Mail	$7Above the U.S. middle 50% ($2 to $5 nationally)	Not stated	None
Digital & Electronic
Overnight Bill Payment	$14.95Above the U.S. middle 50% ($0 to $6 nationally)	Not stated	None
Same Day Bill Pay (SDBP)	$9.95Above the U.S. middle 50% ($0 to $6 nationally)	Not stated	None
Cash & Deposit
Deposited Item Return Fee	$20Inside the U.S. middle 50% ($9 to $25 nationally)	per item	None
Account Services
Levy/Writ/Garnishment Fee	$75Inside the U.S. middle 50% ($30 to $85 nationally)	Not stated	None
Retirement & IRA
IRA Outgoing Transfer Fee+	$15Below the U.S. middle 50% ($25 to $35 nationally)	Not stated	None
Other Fees
Complete Statement Copy	$5Inside the U.S. middle 50% ($2 to $5 nationally)	Not stated	None
Fax or Mail	$7Above the U.S. middle 50% ($2 to $5 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

Showing 5 of 29 fees.

Correct a fee source

Oct 12, 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.

Branches and public record

Where Merck Sharp & Dohme Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

9 offices in 2 states (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

8 of 9 offices on the map. 1 is shown at the middle of its town until the exact address is found.

Cities with the most offices

Chalfont, PA	2
Chicago, IL	1
Harleysville, PA	1
Lansdale, PA	1
North Wales, PA	1
Quakertown, PA	1
Trappe, PA	1
West Point, PA	1

Largest competitors nearby

Local market: Bucks county, PA, around its headquarters.

34 in its local market	Deposit share
Wells Fargo Bank, National Association	17.1%
TD Bank, National Association	13.5%
Penn Community Bank	8.6%
Citizens Bank, National Association	8.5%
Bank of America, National Association	7%

Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.

Fee change alerts

Merck Sharp & Dohme Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Merck Sharp & Dohme Federal Credit Union does not publish a monthly maintenance fee in the index.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Merck Sharp & Dohme Federal Credit Union changes in our data