19 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 3, 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 Nov 3, 2026
Call-report figures are for Lakeshore 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. | Lakeshore 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 $80K in Q2 2026, 6.7% above the same quarter a year earlier ($75K).
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.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
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 rose 5.3% from Q3 2025 to Q2 2026, to $80K.
$80K
Lakeshore Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Lakeshore Federal Credit Union · $45M 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Lakeshore Federal Credit Union(this institution) | Muskegon, MI | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Access Of Louisiana Federal Credit Union | Lake Charles, LA | $44M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| All Saints Federal Credit Union | Parma, OH | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bloomington Municipal Federal Credit Union | Bloomington, IL | $46M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Business And Industrial Federal Credit Union | Columbus, IN | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| California Adventist Federal Credit Union | Glendale, CA | $45M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cherokee County Federal Credit Union | Rusk, TX | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Collegedale Federal Credit Union | Collegedale, TN | $45M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Enfield Community Federal Credit Union | Enfield, CT | $46M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fire Fighters Federal Credit Union | Tulsa, OK | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fox Valley Federal Credit Union | Aurora, IL | $46M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Geismar Complex Federal Credit Union | Geismar, LA | $45M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Holy Rosary Federal Credit Union | Kansas City, MO | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Kemba Charleston Federal Credit Union | Dunbar, WV | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lakeside Federal Credit Union | New Johnsonville, TN | $45M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Les Federal Credit Union | Baton Rouge, LA | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Miami Federal Credit Union | Miami, FL | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northern New Mexico School Employee Federal Credit Union | Santa Fe, NM | $45M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| On The Grid Financial Federal Credit Union | Atlanta, GA | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Police Credit Union of Connecticut | Hartford, CT | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Saint Francis Employees Federal Credit Union | Tulsa, OK | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sweet Home Federal Credit Union | Amherst, NY | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Toledo Fire Fighters Federal Credit Union | Toledo, OH | $46M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vantage Point Federal Credit Union | Hopewell, VA | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vigo County Federal Credit Union | Terre Haute, IN | $46M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wakota Federal Credit Union | South St Paul, MN | $45M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(out-of-network atm)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $1, against a peer median of $1 among 13 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 30, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Against this institution's out-of-network atm fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Lakeshore 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 | $80K | +$11K | +15.9% |
| Q1 2026 | $69K | −$6K | −8.0% |
| Q4 2025 | $75K | −$1K | −1.3% |
| Q3 2025 | $76K | +$1K | +1.3% |
| Q2 2025 | $75K | +$1K | +1.4% |
| Q1 2025 | $74K | −$3K | −3.9% |
| Q4 2024 | $77K | +$1K | +1.3% |
| Q3 2024 | $76K | +$3K | +4.1% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Lakeshore Federal Credit Union’s own schedules, with a source for each figure.
per item
per item
per hour
per item
per month
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Accounts closed within 90-days of opening | $5 | Not stated | None |
| Dormant account with no activity for last 12 months (per month) - Minor accounts are exempt | $5 | per month | None |
| Returned mail (per item) | $3Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Courtesy Pay Fee (per first presentment) Includes ACH, Check, ATM, One-Time Debit, and Reoccuring Debit Transactions | $25 | one time | None |
| Non-sufficient Funds (NSF) fee (per first presentment), Includes ACH, Check, and Reoccuring Debit Transactions | $25 | Not stated | None |
ATM & Card | |||
| ATM balance inquiries after 2 FREE per month | $1 | Not stated | None |
| Plastic Card Replacement fee | $10 | Not stated | None |
| Plastic card expedited shipping fee | $40 | Not stated | None |
Check Services | |||
| Cashier's checks - One FREE check per month (additonal checks each) | $1 | per item | None |
| Money Orders | $1 | Not stated | None |
| Stop payment fee (single and series) | $20 | Not stated | None |
| Non-member check cashing for items drawn off a LFCU account (per item) | $5 | per item | None |
| Copy of sales draft for ATM/Debit/Visa (per item) | $10 | per item | None |
Account Services | |||
| Non-member notary fee (per item) | $15 | per item | None |
| Garnishments, levy's, and escheating on accounts (per incident) | $25 | per item | None |
| Research fee for subpoena's, disputes, etc. (per hour plus 1.00 per page) | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Verification of Deposit (per request) | $5 | per item | None |
Lending Fees | |||
| Visa late payment fee charged to our Visa (per month) | $25Not compared: Monthly charge, not per item | per month | None |
Retirement & IRA | |||
| IRA maintenance fee per IRA share account (annually) | $25 | per year | None |
Gift & Prepaid Cards | |||
| Visa Gift Cards (per card) | $3 | per item | None |
Other Fees | |||
| Statement copies (per statement) - Online copies are FREE up to 18 months | $5 | Not stated | None |
| Loan Application fee - applies if a previous application was denied within the last 90-days | $10 | 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.
Fee change alerts
We check once a day and send one email covering every change.