18 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 12, 2026.
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 12, 2026
Call-report figures are for Straits Area 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. | Straits Area 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
Fee income was $294K in Q2 2026, 2.4% above the same quarter a year earlier ($287K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
NSF / Returned Item
Foreign Transaction
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
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 fell 2.3% from Q3 2025 to Q2 2026, to $294K.
$294K
Straits Area Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Straits Area Federal Credit Union · $132M 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 |
|---|---|---|---|---|---|---|---|
| Straits Area Federal Credit Union(this institution) | Cheboygan, MI | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bragg Mutual Federal Credit Union | Fayetteville, NC | $131M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cenla Federal Credit Union | Alexandria, LA | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Clean Energy Federal Credit Union | Englewood, CO | $130M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Eastex Federal Credit Union | Evadale, TX | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Finex Federal Credit Union | East Hartford, CT | $134M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Firefighters Federal Credit Union | Onalaska, WI | $133M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Gas And Electric Federal Credit Union | Rock Island, IL | $132M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heritage Valley Federal Credit Union | York, PA | $131M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Liberty Savings Federal Credit Union | Jersey City, NJ | $135M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members 1St Of Nj Federal Credit Union | Vineland, NJ | $134M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Advantage Federal Credit Union | Michigan City, IN | $132M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Oakdale Federal Credit Union | Oakdale, WI | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Peoples Federal Credit Union | Nitro, WV | $131M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pheple Federal Credit Union | Greensburg, PA | $134M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pikes Peak Federal Credit Union | Colorado Springs, CO | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Premier Financial Federal Credit Union | New Holstein, WI | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Russell Country Federal Credit Union | Great Falls, MT | $131M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Stagepoint Federal Credit Union | Laramie, WY | $131M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sunrise Family Federal Credit Union | Bay City, MI | $133M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Health Federal Credit Union | Austin, TX | $134M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Trademark Federal Credit Union | Augusta, ME | $132M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Tri Boro Federal Credit Union | Munhall, PA | $131M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| University Of Nebraska Federal Credit Union | Lincoln, NE | $131M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wailuku Federal Credit Union | Kahului, HI | $135M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Workmen'S Circle Incorporated Federal Credit Union | Savannah, GA | $135M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(out-of-network atm)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1.13 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 Oct 29, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Straits Area Federal Credit Union does not publish an out-of-network atm 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 Oct 29, 2026. Total assets from FDIC and NCUA records.
Call reports for Straits Area 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 | $294K | +$15K | +5.4% |
| Q1 2026 | $279K | −$19K | −6.4% |
| Q4 2025 | $298K | −$3K | −1.0% |
| Q3 2025 | $301K | +$14K | +4.9% |
| Q2 2025 | $287K | +$22K | +8.3% |
| Q1 2025 | $265K | −$12K | −4.3% |
| Q4 2024 | $277K | −$4K | −1.4% |
| Q3 2024 | $281K | −$17K | −5.7% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Straits Area Federal Credit Union’s own schedules, with a source for each figure.
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Research/Reconciliation Fee (Per hour, 1-hour minimum) (audience not stated, treated as personal) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return of Mail for Bad Address | $10 | Not stated | None |
Overdraft & NSF | |||
| Check Returned for Non-Sufficient Funds (NSF) | $15 | Not stated | None |
ATM & Card | |||
| Card Replacement Fee | $5 | Not stated | None |
| Replacement ATM or Debit Card | $5 | per item | None |
| Foreign Transaction Fee | No charge | Not stated | None |
Wire Transfers | |||
| All outgoing Domestic Wire | $25 | Not stated | None |
| All outgoing International Wire | $40 | Not stated | None |
Check Services | |||
| Cashier’s Check | $2.50 | Not stated | None |
| Money Order | $1 | Not stated | None |
| Stop Payment (ACH/Check) | $25 | per item | None |
| Stop Payment on Money Order | $25 | Not stated | None |
| Temporary Checks | $5 | per item | Per 4 checks |
| Temporary Checks (per 4) | $5 | Not stated | None |
| Copy of Check/Receipt | $5 | Not stated | None |
| Copy of Money Order | $5 | Not stated | None |
Digital & Electronic | |||
| ACH/ATM Returned for Non-Sufficient Funds (NSF) | $15 | Not stated | None |
Cash & Deposit | |||
| Cash Advance Fee | No charge | Not stated | None |
Account Services | |||
| Notary Public (Free to Members) | $10 | Not stated | None |
| Garnishment | $50 | Not stated | None |
Lending Fees | |||
| Late Payment Fee | $25 | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card | $3 | Not stated | None |
Other Fees | |||
| Copy of Statement | $5 | Not stated | None |
| Document Copy Fee | $5 | per item | None |
| Photocopy | $0.50 | Not stated | None |
| Statement Copy Fee | $5 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
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.
Fee change alerts
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