Lakes Federal Credit Union

Headquarters: Monticello, Indiana
Charter: Credit Union
Assets: $28.0M
Fed district: Chicago
Regulator: NCUA

12 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 Lakes 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.	Lakes 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: Lakes 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 $25K in Q2 2026, 3.8% below the same quarter a year earlier ($26K).
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.

NSF / Returned Item
Lakes Federal Credit Union: $32
Lakes Federal Credit Union: $32
U.S. median: no median
Wire Transfer (Domestic Out)
Lakes Federal Credit Union: $20
Lakes Federal Credit Union: $20
U.S. median: no median
Stop Payment
Lakes Federal Credit Union: $20
Lakes Federal Credit Union: $20
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 Indiana, 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).
Indiana: Banks and credit unions headquartered in Indiana 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 was about level from Q3 2025 to Q2 2026, at $25K.

Fee income, Q2 2026

$25K

$25KQ3 2025

$29KQ4 2025

$24KQ1 2026

$25KQ2 2026

Against the median

Lakes 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

Lakes Federal Credit Union · $28M 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
$27M to $29M 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
Lakes Federal Credit Union(this institution)	Monticello, IN	$28M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
2 Rivers Area Federal Credit Union	Kankakee, IL	$28M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Aegis Federal Credit Union	Clinton, IA	$27M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Artesian Federal Credit Union	Leesburg, GA	$29M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Beacon Financial Federal Credit Union	Johnson City, TN	$28M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Butler County Teachers Federal Credit Union	Butler, PA	$29M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Chicago Post Office Employees Federal Credit Union	Chicago, IL	$28M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Community Connect Federal Credit Union	Titusville, PA	$27M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Coweta Cities & County Employees Federal Credit Union	Newnan, GA	$28M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Dallas U.P. Employees Federal Credit Union	Dallas, TX	$27M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Emerald Empire Federal Credit Union	Springfield, OR	$29M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Florida A & M University Federal Credit Union	Tallahassee, FL	$28M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Haverhill Fire Department Federal Credit Union	Haverhill, MA	$28M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Jemez Valley Federal Credit Union	Jemez Springs, NM	$27M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Latvian Cleveland Federal Credit Union	Lakewood, OH	$28M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Lexington Postal Community Federal Credit Union	Lexington, KY	$27M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mattel Federal Credit Union	El Segundo, CA	$28M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
New Heights Federal Credit Union	Logan, UT	$28M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Olean Teachers' And Postal Federal Credit Union	Olean, NY	$28M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ridgeline Federal Credit Union	Salt Lake City, UT	$28M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Rocket Federal Credit Union	McGregor, TX	$28M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Slo Federal Credit Union	San Luis Obispo, CA	$29M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Southern Pine Federal Credit Union	Lake Park, GA	$28M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Tri-Lakes Federal Credit Union	Saranac Lake, NY	$29M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Union Fidelity Federal Credit Union	Houston, TX	$28M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Wee Federal Credit Union	Parkersburg, WV	$29M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(domestic wire)

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

Fee type

Peer pricing snapshot

Domestic wire is broadly aligned with similar-sized credit unions: within 1% of their median.

Its published price is $20, against a peer median of $20 among 16 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 31, 2026.

Domestic wire fee in dollars, one mark per institution

Lakes Federal Credit UnionPeer (equal prices stack)Peer median

Against this institution's domestic wire fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 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 Lakes 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: $25K
vs prior quarter: +$1K+4.2%; from Q1 2026
vs a year earlier: −$1K−3.8%; from Q2 2025
vs start of range: −$4K−13.8%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Lakes 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	$25K	+$1K	+4.2%
Q1 2026	$24K	−$5K	−17.2%
Q4 2025	$29K	+$4K	+16.0%
Q3 2025	$25K	−$1K	−3.8%
Q2 2025	$26K	+$3K	+13.0%
Q1 2025	$23K	−$4K	−14.8%
Q4 2024	$27K	−$2K	−6.9%
Q3 2024	$29K	+$2K	+7.4%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Closed account fee$5
Account reconciliation fee$30
Not compared: Charged per hour; comparison unavailable
per hour
Account research fee$30
Not compared: Charged per hour; comparison unavailable
per hour
Return mail fee (each month mail is returned)$5
per month

Overdraft & NSF

Non-sufficient funds (NSF) per item returned or not per item$32
per item

ATM & Card

ATM replacement card$10

Wire Transfers

Wire transfer (outgoing) fee$20
Wire transfer (incoming) fee$10

Check Services

Cashier check fee$5
Money order fee$1
per item
Stop Payment$20
per item
Photocopy of share draft – per item$5
per item

Cash & Deposit

Deposited item return fee$10
per item

Other Fees

Fax fees (send and receive)$3
Statement copy fee$4
per item

Fee	Amount	Basis	Note
Account Maintenance
Closed account fee	$5	Not stated	None
Account reconciliation fee	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Account research fee	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Return mail fee (each month mail is returned)	$5	per month	None
Overdraft & NSF
Non-sufficient funds (NSF) per item returned or not per item	$32	per item	None
ATM & Card
ATM replacement card	$10	Not stated	None
Wire Transfers
Wire transfer (outgoing) fee	$20	Not stated	None
Wire transfer (incoming) fee	$10	Not stated	None
Check Services
Cashier check fee	$5	Not stated	None
Money order fee	$1	per item	None
Stop Payment	$20	per item	None
Photocopy of share draft – per item	$5	per item	None
Cash & Deposit
Deposited item return fee	$10	per item	None
Other Fees
Fax fees (send and receive)	$3	Not stated	None
Statement copy fee	$4	per item	None

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 Lakes Federal Credit Union's early account closure changes in our data

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