Compared with Michigan
7 of 15
compared fees are above the median.
2 below, 6 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
72nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 15 compared; 2 below, 6 about the same
See the feesFee schedule read Oct 12, 2026
Call-report figures are for Journey 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 Michigan median | Published fees above the Michigan median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Journey Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 12, 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 (72nd 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 $293K in Q2 2026, 8.5% above the same quarter a year earlier ($270K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 15 compared published fees sit above the Michigan median; 2 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 Michigan medians for fees published by banks and credit unions.
Debit Card Replacement
Overdraft (OD)
NSF / Returned Item
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 was about level from Q3 2025 to Q2 2026, at $293K. Its share of revenue, 11%, is above the 7.2% median for credit unions with under $300M in assets.
$293K
Journey 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.
Journey Federal Credit Union · $187M 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 |
|---|---|---|---|---|---|---|---|
| Journey Federal Credit Union(this institution) | Saint Johns, MI | $187M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alden Federal Credit Union | Chicopee, MA | $185M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Appalachian Community Federal Credit Union | Kingsport, TN | $183M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Chemcel Federal Credit Union | Bishop, TX | $184M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cincinnati Ohio Police Federal Credit Union | Cincinnati, OH | $188M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Democracy Federal Credit Union | Alexandria, VA | $188M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Choice Financial Federal Credit Union | Gloversville, NY | $184M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Nebraska Federal Credit Union | Omaha, NE | $184M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Government Employees Federal Credit Union | Austin, TX | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heritage South Federal Credit Union | Sylacauga, AL | $184M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Horizon Utah Federal Credit Union | Farmington, UT | $185M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Infirst Federal Credit Union | Alexandria, VA | $186M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lincone Federal Credit Union | Lincoln, NE | $184M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lone Star Federal Credit Union | Dallas, TX | $188M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Magnolia Federal Credit Union | Jackson, MS | $186M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members' Advantage Federal Credit Union | Wisconsin Rapids, WI | $185M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Miami Firefighters Federal Credit Union | Miami, FL | $189M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Miami Postal Service Federal Credit Union | Miami, FL | $184M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Nw Preferred Federal Credit Union | Tigard, OR | $189M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Priority First Federal Credit Union | Du Bois, PA | $187M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Puerto Rico Federal Credit Union | Caparra, PR | $188M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ripco Federal Credit Union | Rhinelander, WI | $189M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Safe Harbor Federal Credit Union | Ludington, MI | $184M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sierra Pacific Federal Credit Union | Reno, NV | $189M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| South Metro Federal Credit Union | Prior Lake, MN | $185M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Xcel Federal Credit Union | Bloomfield, NJ | $186M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 11 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 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Journey 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 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Journey 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 | $293K | +$23K | +8.5% |
| Q1 2026 | $270K | −$21K | −7.2% |
| Q4 2025 | $291K | −$4K | −1.4% |
| Q3 2025 | $295K | +$25K | +9.3% |
| Q2 2025 | $270K | −$5K | −1.8% |
| Q1 2025 | $275K | −$20K | −6.8% |
| Q4 2024 | $295K | −$4K | −1.3% |
| Q3 2024 | $299K | +$20K | +7.2% |
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, Journey 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 Journey Federal Credit Union by share.
Amounts from Journey Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per item
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive Account Fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $25Inside the U.S. middle 50% ($6.44 to $25 nationally) | Not stated | None |
| Bad Address (returned mail) | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Courtesy Pay for Debit Transactions (audience not stated, treated as personal) | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Privilege (ODP) Item | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-sufficient Funds (NSF) Item | $29Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Mastercard Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Replacement Card (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Domestic Wire Transfer (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Foreign Wire Transfer (audience not stated, treated as personal) | $55Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier Check (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment (audience not stated, treated as personal) | $29Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing Fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay | $2.50Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Account Services | |||
| Garnishment/Levies | $100Above the U.S. middle 50% ($30 to $85.63 nationally) | per item | None |
Other Fees | |||
| Quick Cash Loan Application Fee | $20Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 12, 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 Journey Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state (June 30, 2026)
Each dot is one office.
3 of 4 offices on the map.
Cities with the most offices
| Alma, MI | 1 |
| Fowler, MI | 1 |
| Ovid, MI | 1 |
| Saint Johns, MI | 1 |
Largest competitors nearby
Local market: Clinton county, MI, around its headquarters.
| 5 in its local market | Deposit share |
|---|---|
| The Huntington National Bank | 33.6% |
| Fifth Third Bank, National Association | 30.6% |
| Mercantile Bank | 16.7% |
| Union Bank | 10.5% |
| PNC Bank, National Association | 8.6% |
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.