Compared with Michigan
9 of 15
compared fees are above the median.
3 below, 3 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
95th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 15 compared; 3 below, 3 about the same
See the feesFee schedule read Nov 4, 2026
Call-report figures are for Muskegon 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 Michigan median | Published fees above the Michigan median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Muskegon Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 4, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 20% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (95th 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 $228K in Q2 2026, 4.2% below the same quarter a year earlier ($238K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
9 of 15 compared published fees sit above the Michigan median; 3 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 Michigan medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
Stop Payment
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 6.6% from Q3 2025 to Q2 2026, to $228K. Its share of revenue, 20%, is above the 7.2% median for credit unions with under $300M in assets.
$228K
Muskegon 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.
Muskegon Federal Credit Union · $81M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Muskegon Federal Credit Union(this institution) | Muskegon, MI | $81M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Armstrong Associates Federal Credit Union | Ford City, PA | $82M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Baylor Health Care System Federal Credit Union | Dallas, TX | $81M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cal State L.A. Federal Credit Union | Los Angeles, CA | $80M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Camc Federal Credit Union | Charleston, WV | $80M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Castparts Employees Federal Credit Union | Portland, OR | $80M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cranston Municipal Employees Federal Credit Union | Cranston, RI | $80M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Diamond Lakes Federal Credit Union | Malvern, AR | $80M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Dillon Federal Credit Union | Hutchinson, KS | $80M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Eastmill Federal Credit Union | East Millinocket, ME | $80M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Enbright Federal Credit Union | Nashville, TN | $79M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fannin Federal Credit Union | Bonham, TX | $81M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Forrit Federal Credit Union | Clackamas, OR | $82M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kemba Indianapolis Federal Credit Union | Indianapolis, IN | $82M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Lake Huron Federal Credit Union | Saginaw, MI | $82M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Metro Federal Credit Union | Arlington Heights, IL | $80M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Nikkei Federal Credit Union | Gardena, CA | $82M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Pittsburgh Firefighters' Federal Credit Union | Pittsburgh, PA | $81M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Railroad Employees Federal Credit Union | Belen, NM | $80M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sonoma Federal Credit Union | Santa Rosa, CA | $80M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Thornapple Federal Credit Union | Hastings, MI | $79M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Timberline Federal Credit Union | Crossett, AR | $80M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Uark Federal Credit Union | Fayetteville, AR | $82M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Valley Oak Federal Credit Union | Three Rivers, CA | $82M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Westedge Federal Credit Union | Bellingham, WA | $79M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Westport Federal Credit Union | Westport, MA | $82M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $4.50 among 8 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 27, 2026.
Monthly maintenance fee in dollars, one mark per institution
Muskegon Federal Credit Union does not publish a monthly maintenance 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 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Muskegon 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 | $228K | +$2K | +0.9% |
| Q1 2026 | $226K | −$23K | −9.2% |
| Q4 2025 | $249K | +$5K | +2.0% |
| Q3 2025 | $244K | +$6K | +2.5% |
| Q2 2025 | $238K | +$11K | +4.8% |
| Q1 2025 | $227K | −$12K | −5.0% |
| Q4 2024 | $239K | +$5K | +2.1% |
| Q3 2024 | $234K | +$7K | +3.1% |
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, Muskegon 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 Muskegon Federal Credit Union by share.
Amounts from Muskegon Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Account Reconciliation/Account Research Charge | $20.00 per Hour
per month
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Service Charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation/Account Research Charge | $20Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation/Account Research Charge | $20.00 per Hour |
| Wrong Address Charge | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay Charge | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| ATM Service Charge | $3Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
Check Services | |||
| Cashiers Check Charge | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Charge | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Starter/Temporary Checks | $4Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing Charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Cashing Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Copy Charge/Substitute Check Copy Charge | $6Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| NSF Service Charge/Returned Check Charge/ACH Return Charge | $30Inside the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
| Bill Pay-Inactive Fee-If there is not at least 1 transaction done in the month | $5Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Visa Cash Advance | $10Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Account Services | |||
| Garnishment/Levy/Subpoena of Member Records | $50Inside the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
Lending Fees | |||
| Appraisal | $400Inside the U.S. middle 50% ($125 to $468.75 nationally) | Not stated | None |
Other Fees | |||
| Skip A Payment | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Nov 4, 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 Muskegon 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
| Muskegon, MI | 2 |
| Grand Rapids, MI | 1 |
Largest competitors nearby
Local market: Muskegon county, MI, around its headquarters.
| 17 in its local market | Deposit share |
|---|---|
| Fifth Third Bank, National Association | 36.5% |
| PNC Bank, National Association | 19% |
| The Huntington National Bank | 17.1% |
| ChoiceOne Bank | 16.3% |
| The Shelby State Bank | 5.7% |
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.