Community First Federal Credit Union

Headquarters: Lakeview, Michigan
Charter: Credit Union
Assets: $148.8M
Fed district: Chicago
Regulator: NCUA

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

Source: its fee schedule, read Oct 23, 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 23, 2026

How these figures are measured

Call-report figures are for Community First 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.	Community First Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 23, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Community First 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 $585K in Q2 2026, 12% above the same quarter a year earlier ($522K).
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.

NSF / Returned Item
Community First Federal Credit Union: $30
Community First Federal Credit Union: $30
U.S. median: no median
Stop Payment
Community First Federal Credit Union: $30
Community First Federal Credit Union: $30
U.S. median: no median
Cashier's Check
Community First Federal Credit Union: $2
Community First Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 2026View sources

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.

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).
Michigan: Banks and credit unions headquartered in Michigan that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 8.7% from Q3 2025 to Q2 2026, to $585K.

Fee income, Q2 2026

$585K

$538KQ3 2025

$553KQ4 2025

$543KQ1 2026

$585KQ2 2026

Against the median

Community First 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

Community First Federal Credit Union · $149M 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 13 states.

Credit unions only
$144M to $153M in assets
Headquartered in 13 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
Community First Federal Credit Union(this institution)	Lakeview, MI	$149M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cheney Federal Credit Union	Cheney, WA	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Citymark Federal Credit Union	Plains, PA	$152M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Consumers Professional Federal Credit Union	Lansing, MI	$150M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
East County Schools Federal Credit Union	El Cajon, CA	$147M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Fidelis Catholic Federal Credit Union	Arvada, CO	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Financial Builders Federal Credit Union	Kokomo, IN	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Financialedge Federal Credit Union	Bay City, MI	$147M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Florida West Coast Federal Credit Union	Brandon, FL	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Great Erie Federal Credit Union	Orchard Park, NY	$150M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Green Mountain Federal Credit Union	South Burlington, VT	$152M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Hawaii County Employees Federal Credit Union	Hilo, HI	$148M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Horizon Federal Credit Union	Williamsport, PA	$152M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Jm Associates Federal Credit Union	Jacksonville, FL	$151M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lenco Federal Credit Union	Adrian, MI	$145M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Maui Federal Credit Union	Kahului, HI	$146M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Meridia Community Federal Credit Union	Hamburg, NY	$144M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mountaincrest Federal Credit Union	Arlington, WA	$153M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Siskiyou Federal Credit Union	Yreka, CA	$144M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Star USA Federal Credit Union	Charleston, WV	$153M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Syracuse Fire Department Employees Federal Credit Union	Syracuse, NY	$147M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The District Federal Credit Union	Aurora, CO	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Town Of Hempstead Employees Federal Credit Union	North Baldwin, NY	$149M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Trius Federal Credit Union	Kearney, NE	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tru Fi Federal Credit Union	Macclenny, FL	$146M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Xplore Federal Credit Union	Metairie, LA	$147M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ 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.

Fee type

Peer pricing snapshot

Community First Federal Credit Union does not publish a monthly maintenance fee in the index.

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 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Community First Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Community First Federal C…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 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 Community First 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: $585K
vs prior quarter: +$42K+7.7%; from Q1 2026
vs a year earlier: +$63K+12.1%; from Q2 2025
vs start of range: +$60K+11.4%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Community First 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	$585K	+$42K	+7.7%
Q1 2026	$543K	−$10K	−1.8%
Q4 2025	$553K	+$15K	+2.8%
Q3 2025	$538K	+$16K	+3.1%
Q2 2025	$522K	+$27K	+5.5%
Q1 2025	$495K	+$3K	+0.6%
Q4 2024	$492K	−$33K	−6.3%
Q3 2024	$525K	+$10K	+1.9%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Christmas/Vacation Club/Emergency Savings Early Withdrawal/Closing$5
per item
Dormant Account Fee (after 18 months)$10
per month
Escheatment$75
Balancing/Research$15
Not compared: Charged per hour; comparison unavailable
per hour
Fax/Email Charge$1
per item
Return Statement Fee$5

Overdraft & NSF

Non-Sufficient funds (NSF)$30
Overdraft Protection Transfer >$5

ATM & Card

Replacement Debit/ATM Card$10

Check Services

Cashier’s Check: Members$2
Money Orders: Members$2
Stop Payment$30

Account Services

3×10 (Lakeview & Trufant)$35
per year
3×5 (Lakeview & Trufant)$25
per year
5×10 (Lakeview Only)$45
per year
5×5 (Lakeview Only)$30
per year
Garnishment$50

Lending Fees

Late Fee (15-day grace period)$25

Gift & Prepaid Cards

Gift Cards$3

Other Fees

Foreign Fax$10
Not compared: Charged per page; comparison unavailable
per page
Incoming Fax$0.10
Not compared: Charged per page; comparison unavailable
per page
Construction Loan Processing Fee$900

Fee	Amount	Basis	Note
Account Maintenance
Christmas/Vacation Club/Emergency Savings Early Withdrawal/Closing	$5	per item	None
Dormant Account Fee (after 18 months)	$10	per month	None
Escheatment	$75	Not stated	None
Balancing/Research	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Fax/Email Charge	$1	per item	None
Return Statement Fee	$5	Not stated	None
Overdraft & NSF
Non-Sufficient funds (NSF)	$30	Not stated	None
Overdraft Protection Transfer >	$5	Not stated	None
ATM & Card
Replacement Debit/ATM Card	$10	Not stated	None
Check Services
Cashier’s Check: Members	$2	Not stated	None
Money Orders: Members	$2	Not stated	None
Stop Payment	$30	Not stated	None
Account Services
3×10 (Lakeview & Trufant)	$35	per year	None
3×5 (Lakeview & Trufant)	$25	per year	None
5×10 (Lakeview Only)	$45	per year	None
5×5 (Lakeview Only)	$30	per year	None
Garnishment	$50	Not stated	None
Lending Fees
Late Fee (15-day grace period)	$25	Not stated	None
Gift & Prepaid Cards
Gift Cards	$3	Not stated	None
Other Fees
Foreign Fax	$10Not compared: Charged per page; comparison unavailable	per page	None
Incoming Fax	$0.10Not compared: Charged per page; comparison unavailable	per page	None
Construction Loan Processing Fee	$900	Not stated	None

Correct a fee source

Oct 23, 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.

Branches and public record

Where Community First 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.

This credit unionOther banks and credit unions

5 of 6 offices on the map.

Cities with the most offices

Lakeview, MI	2
Howard City, MI	1
Morley, MI	1
Remus, MI	1
Trufant, MI	1

Largest competitors nearby

Local market: Montcalm county, MI, around its headquarters.

8 in its local market	Deposit share
The Huntington National Bank	24.6%
Isabella Bank	21.2%
Mercantile Bank	13.3%
Independent Bank	13.3%
Sidney State Bank	12.9%

Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.

Fee change alerts

Get an email when Community First Federal Credit Union's early account closure changes in our data

We check once a day and send one email covering every change.