Compared with Maine
4 of 18
compared fees are above the median.
6 below, 8 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
73rd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Maine median
of 18 compared; 6 below, 8 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Midcoast 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 Maine median | Published fees above the Maine median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Midcoast Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 11% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (73rd 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 $452K in Q2 2026, about level with the same quarter a year earlier ($454K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 18 compared published fees sit above the Maine median; 6 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 Maine medians for fees published by banks and credit unions.
OD Protection Transfer
Overdraft (OD)
Compared at $28, its standard fee, the highest of its prices
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Maine, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 2.6% from Q3 2025 to Q2 2026, to $452K. Its share of revenue, 11%, is above the 7.2% median for credit unions with under $300M in assets.
$452K
Midcoast 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. *Overdraft: Listed at $0 to $28; we compare the highest.
Midcoast Federal Credit Union · $267M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Midcoast Federal Credit Union(this institution) | Freeport, ME | $267M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Aneca Federal Credit Union | Shreveport, LA | $274M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Auburn University Federal Credit Union | Auburn, AL | $268M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Department Of The Interior Federal Credit Union | Washington, DC | $268M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Elevate Federal Credit Union | Brigham City, UT | $260M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Energy Capital Federal Credit Union | Houston, TX | $261M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Filer Federal Credit Union | Manistee, MI | $262M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gold Coast Federal Credit Union | Palm Springs, FL | $270M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gulf Coast Federal Credit Union | Corpus Christi, TX | $260M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Illiana Financial Federal Credit Union | Calumet City, IL | $264M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Landings Federal Credit Union | Tempe, AZ | $263M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Long Beach City Employees Federal Credit Union | Signal Hill, CA | $271M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Marshland Federal Credit Union | Brunswick, GA | $273M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Members Trust Of The Southwest Federal Credit Union | Houston, TX | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Midwest Community Federal Credit Union | Defiance, OH | $267M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Minnequa Works Federal Credit Union | Pueblo, CO | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Niagara'S Choice Federal Credit Union | Niagara Falls, NY | $265M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| North Central Area Federal Credit Union | Houghton Lake, MI | $272M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| One Federal Credit Union | Springfield, VT | $264M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| People'S Community Federal Credit Union | Vancouver, WA | $269M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Puget Sound Cooperative Federal Credit Union | Bellevue, WA | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Saint Lawrence Federal Credit Union | Ogdensburg, NY | $272M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Service One Federal Credit Union | Bowling Green, KY | $269M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Southwest Heritage Federal Credit Union | Odessa, TX | $261M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Spc Federal Credit Union | Hartsville, SC | $266M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Weststar Federal Credit Union | Las Vegas, NV | $273M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.98 among 9 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.
Monthly maintenance fee in dollars, one mark per institution
Midcoast 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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Midcoast 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 | $452K | +$15K | +3.4% |
| Q1 2026 | $437K | −$10K | −2.2% |
| Q4 2025 | $447K | −$17K | −3.7% |
| Q3 2025 | $464K | +$10K | +2.2% |
| Q2 2025 | $454K | +$33K | +7.8% |
| Q1 2025 | $421K | −$58K | −12.1% |
| Q4 2024 | $479K | +$25K | +5.5% |
| Q3 2024 | $454K | +$12K | +2.7% |
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, Midcoast 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 Midcoast Federal Credit Union by share.
Amounts from Midcoast Federal Credit Union’s own schedules, with a source for each figure.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Below Minimum Balance (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closure (Within 6 months of opening) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Inactivity (After 12 months) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Incorrect Address – Returned Correspondence | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| ATM overdraft charge | $28Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft (OD) (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Fee | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Nonsufficient funds fee | $28Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Nonsufficient funds fee (VISA ATM) | $28Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer from Another Source | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| VISA ATM/Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Foreign transactions | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer Domestic | $10Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire Transfer International | $25Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Money Order & Corporate Draft (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| ACH, Money Order & Corporate Check Stop Payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Request | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks (4 per sheet) | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Non-Member Check Cashing (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Money Order & Corporate Draft Copy (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Check Return | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Non-Member Notary Fee (audience not stated, treated as personal) | $20Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Drilled Box (audience not stated, treated as personal) | $250Not compared: Box drilling or key fee | per item | None |
| Replacement Key (audience not stated, treated as personal) | $100Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Box 10” x 10” (audience not stated, treated as personal) | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3” x 10” (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3” x 5” (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5” x 10” (audience not stated, treated as personal) | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5” x 5” (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Account Research/Legal Processing | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
Other Fees | |||
| Mini-Statement Copy (Account History) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | 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
Nov 2, 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 Midcoast Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state (June 30, 2026)
Each dot is one office.
4 of 5 offices on the map.
Cities with the most offices
| Bath, ME | 1 |
| Brunswick, ME | 1 |
| Edgecomb, ME | 1 |
| Freeport, ME | 1 |
| Thomaston, ME | 1 |
Largest competitors nearby
Local market: Cumberland county, ME, around its headquarters.
| 29 in its local market | Deposit share |
|---|---|
| Northeast Bank | 18.8% |
| TD Bank, National Association | 15.6% |
| Bank of America, National Association | 12.5% |
| KeyBank National Association | 11.3% |
| Maine Community Bank | 10% |
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.