Mokelumne Federal Credit Union

Headquarters: Lodi, California
Charter: Credit Union
Assets: $56.9M
Fed district: San Francisco

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

Source: its fee schedule, read Oct 31, 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 Oct 31, 2026

How these figures are measured

Call-report figures are for Mokelumne 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.	Mokelumne Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 31, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Mokelumne 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 $116K in Q2 2026, about level with the same quarter a year earlier ($116K).
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)
Compared at $26, its standard fee, the highest of its prices
Mokelumne Federal Credit Union: $5 to $26
Mokelumne Federal Credit Union: $5 to $26
U.S. median: no median
NSF / Returned Item
Mokelumne Federal Credit Union: $26
Mokelumne Federal Credit Union: $26
U.S. median: no median
Non-Network ATM
Compared at $1, the middle of its prices
Mokelumne Federal Credit Union: $0.50 to $1.50
Mokelumne Federal Credit Union: $0.50 to $1.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 31, 2026View sources

Each amount links to the fee schedule it was read from. Medians for California, the San Francisco 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).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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 1.8% from Q3 2025 to Q2 2026, to $116K.

Fee income, Q2 2026

$116K

$114KQ3 2025

$114KQ4 2025

$115KQ1 2026

$116KQ2 2026

Against the median

Mokelumne 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

Mokelumne Federal Credit Union · $57M 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 21 states.

Credit unions only
$56M to $58M in assets
Headquartered in 21 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
Mokelumne Federal Credit Union(this institution)	Lodi, CA	$57M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Access Federal Credit Union	Broadview, IL	$58M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Ark Valley Federal Credit Union	Arkansas City, KS	$57M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Baton Rouge City Parish Emp Federal Credit Union	Baton Rouge, LA	$58M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Brooklyn Cooperative Federal Credit Union	Brooklyn, NY	$56M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Central Wisconsin Federal Credit Union	Plover, WI	$56M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Charlotte Fire Department Federal Credit Union	Charlotte, NC	$56M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Financial Partners Federal Credit Union	Woodburn, IN	$57M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Forge Federal Credit Union	Upper Darby, PA	$56M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Fraternal Order Of Police Federal Credit Union	Tulsa, OK	$57M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Healthnet Federal Credit Union	Cordova, TN	$58M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hopewell Chemical Federal Credit Union	Hopewell, VA	$56M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Huntington Beach Federal Credit Union	Huntington Beach, CA	$56M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Jack Daniel Employees Federal Credit Union	Lynchburg, TN	$57M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Joplin Metro Federal Credit Union	Joplin, MO	$58M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kue Federal Credit Union	Lexington, KY	$56M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
My Federal Credit Union	Haslet, TX	$58M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Northwest Hills Federal Credit Union	Torrington, CT	$57M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Notre Dame Community Federal Credit Union	Fall River, MA	$58M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Olympia Federal Credit Union	Olympia, WA	$56M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pitney Bowes Employees Federal Credit Union	Shelton, CT	$57M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Priority Federal Credit Union	Orlando, FL	$56M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Saratoga'S Community Federal Credit Union	Saratoga Springs, NY	$58M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Select Federal Credit Union	San Antonio, TX	$58M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Share Advantage Federal Credit Union	Duluth, MN	$58M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Trades Federal Credit Union	Tualatin, OR	$56M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	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.

Fee type

Peer pricing snapshot

Out-of-network ATM is $1 (50%) below the median of similar-sized credit unions.

Compared at $1, the middle of its two prices, against a peer median of $2 among 13 publishing peers.

Its two prices are $0.50 and $1.50.

$1 is a comparison price, not a fee anyone is charged.

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.

Out-of-network ATM fee in dollars, one mark per institution

Mokelumne Federal Credit…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

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 27, 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 Mokelumne 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: $116K
vs prior quarter: +$1K+0.9%; from Q1 2026
vs a year earlier: $00.0%; from Q2 2025
vs start of range: −$9K−7.2%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Mokelumne 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	$116K	+$1K	+0.9%
Q1 2026	$115K	+$1K	+0.9%
Q4 2025	$114K	$0	0.0%
Q3 2025	$114K	−$2K	−1.7%
Q2 2025	$116K	+$3K	+2.7%
Q1 2025	$113K	−$9K	−7.4%
Q4 2024	$122K	−$3K	−2.4%
Q3 2024	$125K	+$3K	+2.5%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Early Closure Fee (90 days)$25
Dormant Account (Per month, no activity for 12 months)$5
per month
Escheat Notice$2
Account Reconciliation (per hr., min. 1 hr.)$15
Not compared: Charged per hour; comparison unavailable
per hour
Account Research (per hr., min 1 hr)$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$1.50

Overdraft & NSF

Courtesy Pay Fee (Overdraft per item)$26
per item
Overdraft Trans. (After 3rd trans. per mo.)$5
NSF$26
Return ACH Item$26

ATM & Card

ATM Withdrawal$0.50
Foreign ATM use at our MFCU ATM (No fee for cards with Co-Op symbol)$1.50
Replace ATM/Debit Card and Pin$15

Wire Transfers

Wire Transfer – Outgoing$25
Wire Transfer – Outgoing for Seniority Checking$15
Wire Transfer – Incoming$20
Wire Transfer – Incoming for Seniority Checking$10

Check Services

Cashier Check for 3rd Party$5
Special Handling of 3rd party check printing exception$5
Stop Payment – Personal Check$20
Stop Payment Renewal (Every 6 Months)$5
Counter Checks (4 temporary checks per page)$5
per item
Check Cashing (Single service user, bal. under $500.00)$5
Draft Copy – 2 Free per quarter (Free Online)$3
Not compared: Quarterly charge, not per item
per quarter

Cash & Deposit

Cash Advance Fee (Non-member)$20
Return Deposit Item$26

Account Services

Levy or Garnishment$30
Legal Process$35

Other Fees

Statement Copy / Account Activity Printout$1
Loan Extension Fee (Deferment)$35

Fee	Amount	Basis	Note
Account Maintenance
Early Closure Fee (90 days)	$25	Not stated	None
Dormant Account (Per month, no activity for 12 months)	$5	per month	None
Escheat Notice	$2	Not stated	None
Account Reconciliation (per hr., min. 1 hr.)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research (per hr., min 1 hr)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$1.50	Not stated	None
Overdraft & NSF
Courtesy Pay Fee (Overdraft per item)	$26	per item	None
Overdraft Trans. (After 3rd trans. per mo.)	$5	Not stated	None
NSF	$26	Not stated	None
Return ACH Item	$26	Not stated	None
ATM & Card
ATM Withdrawal	$0.50	Not stated	None
Foreign ATM use at our MFCU ATM (No fee for cards with Co-Op symbol)	$1.50	Not stated	None
Replace ATM/Debit Card and Pin	$15	Not stated	None
Wire Transfers
Wire Transfer – Outgoing	$25	Not stated	None
Wire Transfer – Outgoing for Seniority Checking	$15	Not stated	None
Wire Transfer – Incoming	$20	Not stated	None
Wire Transfer – Incoming for Seniority Checking	$10	Not stated	None
Check Services
Cashier Check for 3rd Party	$5	Not stated	None
Special Handling of 3rd party check printing exception	$5	Not stated	None
Stop Payment – Personal Check	$20	Not stated	None
Stop Payment Renewal (Every 6 Months)	$5	Not stated	None
Counter Checks (4 temporary checks per page)	$5	per item	None
Check Cashing (Single service user, bal. under $500.00)	$5	Not stated	None
Draft Copy – 2 Free per quarter (Free Online)	$3Not compared: Quarterly charge, not per item	per quarter	None
Cash & Deposit
Cash Advance Fee (Non-member)	$20	Not stated	None
Return Deposit Item	$26	Not stated	None
Account Services
Levy or Garnishment	$30	Not stated	None
Legal Process	$35	Not stated	None
Other Fees
Statement Copy / Account Activity Printout	$1	Not stated	None
Loan Extension Fee (Deferment)	$35	Not stated	None

Correct a fee source

Oct 31, 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

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