Compared with Michigan
3 of 11
compared fees are above the median.
7 below, 1 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
37th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 11 compared; 7 below, 1 about the same
See the feesFee schedule read Oct 17, 2026
Call-report figures are for Dowagiac Area 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. | Dowagiac Area Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.4% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (37th 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 $19K in Q2 2026, about level with the same quarter a year earlier ($19K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 11 compared published fees sit above the Michigan median; 7 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.
Monthly Maintenance
Share Draft (Checking)
Can be waived with a balance of $50 or more.
Overdraft (OD)
NSF / Returned Item
Non-sufficient Funds Fee Share draft/ACH/ATM/Debit Card
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 fell 9.5% from Q3 2025 to Q2 2026, to $19K. Its share of revenue, 5.4%, is below the 7.2% median for credit unions with under $300M in assets.
$19K
Dowagiac Area 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.
Dowagiac Area Federal Credit Union · $26M in assets
Banks and credit unions in the South Bend-Mishawaka, IN-MI metro
Banks and credit unions with branches in the South Bend-Mishawaka, IN-MI metro: the local competitors for deposits and customers. They range from $64M to $4.1T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Dowagiac Area Federal Credit Union(this institution) | Dowagiac, MI | $26M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 1st Source Bank | South Bend, IN | $9.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Centier Bank | Whiting, IN | $10.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Circle Federal Credit Union | Niles, MI | $117M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Communitywide Federal Credit Union | South Bend, IN | $874M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Credit Union 1 | Lombard, IL | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Everwise Federal Credit Union | South Bend, IN | $5.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Fifth Third Bank, National Association | Cincinnati, OH | $299.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Federal Savings Bank | Rochester, IN | $687M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Merchants Bank | Muncie, IN | $21.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First State Bank of Middlebury | Middlebury, IN | $836M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Flagstar Bank, National Association | Hicksville, NY | $87.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Honor Federal Credit Union | Berrien Springs, MI | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Inova Federal Credit Union | Elkhart, IN | $643M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| JPMorgan Chase Bank, National Association | Columbus, OH | $4.1T | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| KeyBank National Association | Cleveland, OH | $188.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lake City Bank | Warsaw, IN | $7.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northwest Bank | Warren, PA | $17.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Notre Dame Federal Credit Union | Notre Dame, IN | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Old National Bank | Evansville, IN | $73.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| PNC Bank, National Association | Wilmington, DE | $609.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| South Bend Firefighters Federal Credit Union | South Bend, IN | $64M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Huntington National Bank | Columbus, OH | $283.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Federal Credit Union | St Joseph, MI | $4.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Woodforest National Bank | The Woodlands, TX | $9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
24 peers selected · 16 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $6.98 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 26, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.
Call reports for Dowagiac Area 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 | $19K | $0 | 0.0% |
| Q1 2026 | $19K | +$1K | +5.6% |
| Q4 2025 | $18K | −$3K | −14.3% |
| Q3 2025 | $21K | +$2K | +10.5% |
| Q2 2025 | $19K | −$1K | −5.0% |
| Q1 2025 | $20K | $0 | 0.0% |
| Q4 2024 | $20K | −$1K | −4.8% |
| Q3 2024 | $21K | +$2K | +10.5% |
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, Dowagiac Area 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 Dowagiac Area Federal Credit Union by share.
Amounts from Dowagiac Area Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month · waived for members 23 & under and 62 & older
per hour
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | waived for members 23 & under and 62 & older |
| Account Closing Fee Member closes account Within 90 days of opening | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Reconciliation Fee Per hour charge | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Courtesy Pay Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-sufficient Funds Fee (NSF) Share draft/ACH/ATM/Debit Card | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fees: Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wires | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment (per item) Share draft/ACH | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Draft Copy fees - Per draft | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Returned Item Fee Member deposited item Drawn on another institution | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Tax Levy/Garnishment Fee | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy - Per month | $3Not compared: Monthly charge, not per item | per month | None |
Oct 17, 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 Dowagiac Area Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Dowagiac, MI | 1 |
Largest competitors nearby
Local market: Cass county, MI, around its headquarters.
| 4 in its local market | Deposit share |
|---|---|
| Fifth Third Bank, National Association | 38% |
| G. W. Jones Exchange Bank | 28.1% |
| The Huntington National Bank | 27.3% |
| 1st Source Bank | 6.6% |
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.