Compared with Pennsylvania
3 of 14
compared fees are above the median.
9 below, 2 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
45th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Pennsylvania median
of 14 compared; 9 below, 2 about the same
See the feesFee schedule read Oct 18, 2026
Call-report figures are for Mountain Laurel 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 Pennsylvania median | Published fees above the Pennsylvania median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Mountain Laurel Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 18, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.4% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (45th 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 $157K in Q2 2026, 15% above the same quarter a year earlier ($136K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 14 compared published fees sit above the Pennsylvania median; 9 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 Pennsylvania medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 1.9% from Q3 2025 to Q2 2026, to $157K. Its share of revenue, 6.4%, is below the 7.2% median for credit unions with under $300M in assets.
$157K
Mountain Laurel 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.
Mountain Laurel Federal Credit Union · $174M 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 |
|---|---|---|---|---|---|---|---|
| Mountain Laurel Federal Credit Union(this institution) | Saint Marys, PA | $174M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Achieve Financial Federal Credit Union | Berlin, CT | $176M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Arize Federal Credit Union | State College, PA | $176M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Artesia Federal Credit Union | Artesia, NM | $173M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Aspen Federal Credit Union | Rapid City, SD | $173M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Associated Healthcare Federal Credit Union | Woodbury, MN | $176M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Caro Federal Credit Union | Columbia, SC | $175M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Code Federal Credit Union | Dayton, OH | $176M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cornerstone Federal Credit Union | Freeport, IL | $177M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| E-Central Federal Credit Union | Pasadena, CA | $174M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Excel Federal Credit Union | Norcross, GA | $174M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Federal Credit Union | Hiawatha, IA | $175M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Frick Financial Federal Credit Union | Uniontown, PA | $175M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| H.P.C. Federal Credit Union | Alpena, MI | $172M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Heartland Federal Credit Union | Inver Grove Heights, MN | $172M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mission City Federal Credit Union | Santa Clara, CA | $172M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Naveo Federal Credit Union | Somerville, MA | $176M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Northwoods Federal Credit Union | Cloquet, MN | $175M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Nuvista Federal Credit Union | Montrose, CO | $172M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Police Federal Credit Union | Upper Marlboro, MD | $176M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Santa Cruz Community Federal Credit Union | Santa Cruz, CA | $172M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sentry Federal Credit Union | Stevens Point, WI | $173M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ussco Johnstown Federal Credit Union | Johnstown, PA | $174M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Valley Isle Community Federal Credit Union | Kahului, HI | $174M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Vida Federal Credit Union | Ontario, CA | $175M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wolverine State Federal Credit Union | Alpena, MI | $173M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ 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 $4.98 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 Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Mountain Laurel 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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Mountain Laurel 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 | $157K | +$1K | +0.6% |
| Q1 2026 | $156K | −$6K | −3.7% |
| Q4 2025 | $162K | +$8K | +5.2% |
| Q3 2025 | $154K | +$18K | +13.2% |
| Q2 2025 | $136K | −$2K | −1.4% |
| Q1 2025 | $138K | −$19K | −12.1% |
| Q4 2024 | $157K | −$7K | −4.3% |
| Q3 2024 | $164K | +$17K | +11.6% |
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, Mountain Laurel 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 Mountain Laurel Federal Credit Union by share.
Amounts from Mountain Laurel Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per quarter
per hour
per hour
per item
per item
per item
per item
per item
per item
per item
per page
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure within 60 days | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account | $5Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Reconcilement | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Reconciliation | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Change of Address (notification of returned mail from post office) | $5Below the U.S. middle 50% ($6.44 to $25 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay Fee (CPAY) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Privilege | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Insufficient Funds Fee (NSF) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Non-Sufficient Funds - ACH, Draft, Recurring ATM | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| VISA Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire transfers outgoing (Domestic) | $10Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire transfers incoming (Domestic) | $2Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Certified Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $1.50Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Additional Share Draft Printing (starter checks) | $4Not compared: Charged per page; comparison unavailable | per page | None |
| Copy of Corporate Share Draft | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Share Draft | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Deposit Item Return | $25Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Fee | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Gift Card | $2.95Below the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
| VISA Travel Money Card Reload | $10Above the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Faxing (unrelated to credit union account) | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy | $1Not compared: Charged per page; comparison unavailable | per page | None |
Oct 18, 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 Mountain Laurel Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Bradford, PA | 1 |
| Emporium, PA | 1 |
| Kane, PA | 1 |
| Port Allegany, PA | 1 |
| Saint Marys, PA | 1 |
| Warren, PA | 1 |
Largest competitors nearby
Local market: Elk county, PA, around its headquarters.
| 6 in its local market | Deposit share |
|---|---|
| Northwest Bank | 45.2% |
| First Commonwealth Bank | 25.2% |
| CNB Bank | 23.2% |
| The Farmers National Bank of Canfield | 4.1% |
| Hamlin Bank and Trust Company | 2.3% |
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.