Compared with Kentucky
1 of 15
compared fees are above the median.
9 below, 5 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
89th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Kentucky median
of 15 compared; 9 below, 5 about the same
See the feesFee schedule read Oct 26, 2026
Call-report figures are for Morehead Community 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 Kentucky median | Published fees above the Kentucky median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Morehead Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 26, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 16% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (89th 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 $161K in Q2 2026, 5.9% above the same quarter a year earlier ($152K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
1 of 15 compared published fees sit above the Kentucky 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 Kentucky 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 Kentucky, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 4.5% from Q3 2025 to Q2 2026, to $161K. Its share of revenue, 16%, is above the 7.2% median for credit unions with under $300M in assets.
$161K
Morehead Community 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.
Morehead Community Federal Credit Union · $65M 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 |
|---|---|---|---|---|---|---|---|
| Morehead Community Federal Credit Union(this institution) | Morehead, KY | $65M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| A.B.D. Federal Credit Union | Warren, MI | $67M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Banner Federal Credit Union | Phoenix, AZ | $65M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bopti Federal Credit Union | San Pedro, CA | $63M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cranberry Federal Credit Union | West Wareham, MA | $63M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Credit Union of Richmond Incorporat | Richmond, VA | $65M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Destinations Credit Union | Baltimore, MD | $65M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Doches Federal Credit Union | Nacogdoches, TX | $65M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Eagle Express Federal Credit Union | Jackson, MS | $67M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Federated Employees Federal Credit Union | Owatonna, MN | $67M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Fort Billings Federal Credit Union | Paulsboro, NJ | $64M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gp Louisiana Federal Credit Union | Zachary, LA | $66M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Healthcare Financial Federal Credit Union | New Haven, CT | $64M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lincoln Park Community Federal Credit Union | Lincoln Park, MI | $63M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lion'S Share Federal Credit Union | Salisbury, NC | $65M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Madison Federal Credit Union | Madison, WI | $65M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Millard County Federal Credit Union | Fillmore, UT | $65M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| One Vision Federal Credit Union | Clarksville, IN | $65M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rimrock Federal Credit Union | Billings, MT | $64M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| River Valley Community Federal Credit Union | Camden, AR | $64M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rolling F Federal Credit Union | Turlock, CA | $64M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sacred Heart Parish Hallettsville Federal Credit Union | Hallettsville, TX | $65M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Shell Western States Federal Credit Union | Martinez, CA | $66M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 |
| Spokane City Federal Credit Union | Spokane, WA | $66M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Employees Federal Credit Union | Albert Lea, MN | $66M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | 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 $5 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
Morehead Community 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 Morehead Community 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 | $161K | +$12K | +8.1% |
| Q1 2026 | $149K | −$11K | −6.9% |
| Q4 2025 | $160K | +$6K | +3.9% |
| Q3 2025 | $154K | +$2K | +1.3% |
| Q2 2025 | $152K | +$12K | +8.6% |
| Q1 2025 | $140K | −$13K | −8.5% |
| Q4 2024 | $153K | +$8K | +5.5% |
| Q3 2024 | $145K | −$1K | −0.7% |
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, Morehead Community 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 Morehead Community Federal Credit Union by share.
Amounts from Morehead Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactivity | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Statement Reconciliation per hour (minimum $10.00) | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Premier Checking: Printed Statements | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Money Market: Reg-D Excessive Withdrawals/Transfers (>6 per month) | $10Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Returned Mailed Statement | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Protection Fee per Item | $20Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Returned Fee per Item (NSF) | $20Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer (Per Day) | $2Not compared: Daily charge, not per item | per day | None |
ATM & Card | |||
| Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Out | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Wire Transfer Out | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Teller Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Teller Check (4 free per month) | $1Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment on Teller Check | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Copy of a draft or a Teller Check | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposit Item Returned | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Processing fee for Levy/Garnishment | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Close Out Fee | $5Below the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Cards | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Photocopies/Fax (Per Page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copies (Per Page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
Oct 26, 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 Morehead Community 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
| Morehead, KY | 1 |
Largest competitors nearby
Local market: Rowan county, KY, around its headquarters.
| 8 in its local market | Deposit share |
|---|---|
| U.S. Bank National Association | 25.2% |
| Stock Yards Bank & Trust Company | 22.2% |
| The Citizens Bank | 21.1% |
| Whitaker Bank | 14.7% |
| Peoples Bank of Kentucky, Inc. | 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.