Awakon Federal Credit Union

Headquarters: Onaway, Michigan
Charter: Credit Union
Assets: $202.7M
Fed district: Chicago
Regulator: NCUA

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

Source: its fee schedule, read Nov 3, 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 Nov 3, 2026

How these figures are measured

Call-report figures are for Awakon 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.	Awakon 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

Details

Source: NCUA 5300 call report
Entity: Awakon 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 $476K in Q2 2026, 46% below the same quarter a year earlier ($880K).
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.

Overdraft (OD)
Awakon Federal Credit Union: $25
Awakon Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Awakon Federal Credit Union: $25
Awakon Federal Credit Union: $25
U.S. median: no median
Stop Payment
Awakon Federal Credit Union: $25
Awakon Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 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 5.8% from Q3 2025 to Q2 2026, to $476K.

Fee income, Q2 2026

$476K

$450KQ3 2025

$443KQ4 2025

$463KQ1 2026

$476KQ2 2026

Against the median

Awakon 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

Awakon Federal Credit Union · $203M 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
$196M to $209M 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
Awakon Federal Credit Union(this institution)	Onaway, MI	$203M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
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
Alta Vista Federal Credit Union	Redlands, CA	$209M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bluestone Federal Credit Union	Sioux Falls, SD	$206M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	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
Cooperative Choice Network Federal Credit Union	Peoria, IL	$206M	Monthly maintenance not published	Out-of-network ATM not published	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
Fire Police City County Federal Credit Union	Fort Wayne, IN	$207M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members First Federal Credit Union	Brigham City, UT	$209M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	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
Merco Federal Credit Union	Merced, CA	$207M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northern Hills Federal Credit Union	Sturgis, SD	$205M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Priority One Federal Credit Union	South Pasadena, CA	$206M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Red Wing Federal Credit Union	Red Wing, MN	$208M	Monthly maintenance not published	Publishes Out-of-network ATM	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
Service 1 Federal Credit Union	Muskegon, MI	$199M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
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 · 15 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Awakon Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $7.50 among 15 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

Awakon Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Awakon Federal Credit Uni…Peer (equal prices stack)Peer medianInclude $36.50 outlierShown past the axis break, not to scale, so the rest of the set has room.

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.

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 Awakon 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: $476K
vs prior quarter: +$13K+2.8%; from Q1 2026
vs a year earlier: −$404K−45.9%; from Q2 2025
vs start of range: +$34K+7.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Awakon 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	$476K	+$13K	+2.8%
Q1 2026	$463K	+$20K	+4.5%
Q4 2025	$443K	−$7K	−1.6%
Q3 2025	$450K	−$430K	−48.9%
Q2 2025	$880K	+$464K	+111.5%
Q1 2025	$416K	−$37K	−8.2%
Q4 2024	$453K	+$11K	+2.5%
Q3 2024	$442K	+$32K	+7.8%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Accounts Closed before 90 days$5
Dormancy$5
per month
Account Research/Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail (Bad Address)$5

Overdraft & NSF

Overdraft Privilege Standard or Extended Coverage (audience not stated, treated as personal)$25
per item
NSF each item$25
per item
NSF/preauthorized withdrawal$25

ATM & Card

Replace a VISA Card$5
Replace an ATM or Debit Card$5
International Transaction Fee1%of the transaction
International Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Wire Transfers: Outgoing International$35

Check Services

Money Order$1
Stop Payments$25
Collection Item$20
Copy of Draft$5

Digital & Electronic

Easy Pay Bill PayNo charge

Account Services

Notary Fee: free- members$5
Garnishment/Levy Processing$35

Other Fees

Fax$1
per item
Photocopy$0.50
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Accounts Closed before 90 days	$5	Not stated	None
Dormancy	$5	per month	None
Account Research/Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail (Bad Address)	$5	Not stated	None
Overdraft & NSF
Overdraft Privilege Standard or Extended Coverage (audience not stated, treated as personal)	$25	per item	None
NSF each item	$25	per item	None
NSF/preauthorized withdrawal	$25	Not stated	None
ATM & Card
Replace a VISA Card	$5	Not stated	None
Replace an ATM or Debit Card	$5	Not stated	None
International Transaction Fee	1%of the transaction	Not stated	None
International Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfers: Outgoing International	$35	Not stated	None
Check Services
Money Order	$1	Not stated	None
Stop Payments	$25	Not stated	None
Collection Item	$20	Not stated	None
Copy of Draft	$5	Not stated	None
Digital & Electronic
Easy Pay Bill Pay	No charge	Not stated	None
Account Services
Notary Fee: free- members	$5	Not stated	None
Garnishment/Levy Processing	$35	Not stated	None
Other Fees
Fax	$1	per item	None
Photocopy	$0.50Not compared: Charged per page; comparison unavailable	per page	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

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.

Fee change alerts

Get an email when Awakon Federal Credit Union's early account closure changes in our data

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