Compared with Wisconsin
3 of 9
compared fees are above the median.
5 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
92nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Wisconsin median
of 9 compared; 5 below, 1 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Lco 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 Wisconsin median | Published fees above the Wisconsin median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Lco Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 18% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (92nd 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 $11K in Q2 2026, about level with the same quarter a year earlier ($11K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 9 compared published fees sit above the Wisconsin median; 5 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 Wisconsin medians for fees published by banks and credit unions.
NSF / Returned Item
Stop Payment
Other Lending Fee
Each amount links to the fee schedule it was read from. Medians for Wisconsin, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 15% from Q3 2025 to Q2 2026, to $11K. Its share of revenue, 18%, is above the 7.2% median for credit unions with under $300M in assets.
$11K
Lco 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.
Lco Federal Credit Union · $3M in assets
Credit unions in Wisconsin
Credit unions headquartered in the same state, for comparing published prices.
Showing the 50 closest in assets of 53 peers; medians use all 53.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Lco Federal Credit Union(this institution) | Hayward, WI | $3M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 1St Community Federal Credit Union | Sparta, WI | $288M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Altra Federal Credit Union | Onalaska, WI | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Avestar Federal Credit Union | Waterloo, WI | $68M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Badger-Globe Federal Credit Union | Neenah, WI | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital Federal Credit Union | Green Bay, WI | $2.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central Wisconsin Federal Credit Union | Plover, WI | $56M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Co-Op Federal Credit Union | Black River Falls, WI | $627M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Connexus Federal Credit Union | Wausau, WI | $4.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Covantage Federal Credit Union | Antigo, WI | $4.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Educators Federal Credit Union | Racine, WI | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Firefighters Federal Credit Union | Onalaska, WI | $133M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| First Community Credit Union of Beloit | Beloit, WI | $410M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Fort Community Federal Credit Union | Fort Atkinson, WI | $450M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Glacier Hills Federal Credit Union | West Bend, WI | $286M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Golden Rule Community Federal Credit Union | Ripon, WI | $43M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Governmental Employees Federal Credit Union | La Crosse, WI | $122M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Holy Family Memorial Federal Credit Union | Manitowoc, WI | $20M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Lakewood Federal Credit Union | Rib Lake, WI | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Madison Federal Credit Union | Madison, WI | $65M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Marathon County Employees Federal Credit Union | Wausau, WI | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Marine Federal Credit Union | La Crosse, WI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Marshfield Medical Center Federal Credit Union | Marshfield, WI | $91M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Meadowland Federal Credit Union | Sheboygan Falls, WI | $36M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | 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 |
| N.E.W. Federal Credit Union | Oconto Falls, WI | $178M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northwestern Mutual Federal Credit Union | Milwaukee, WI | $286M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Northwoods Community Federal Credit Union | Park Falls, WI | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Oakdale Federal Credit Union | Oakdale, WI | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Oshkosh Community Federal Credit Union | Oshkosh, WI | $20M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Premier Financial Federal Credit Union | New Holstein, WI | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Prospera Federal Credit Union | Appleton, WI | $379M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Racine Municipal Employees Federal Credit Union | Racine, WI | $26M | Monthly maintenance not published | 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 |
| Royal Federal Credit Union | Eau Claire, WI | $5.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Sheboygan Area Federal Credit Union | Sheboygan, WI | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Shoreline Federal Credit Union | Two Rivers, WI | $160M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Simplicity Federal Credit Union | Marshfield, WI | $547M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Southern Lakes Federal Credit Union | Kenosha, WI | $113M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Superior Choice Federal Credit Union | Superior, WI | $730M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Taylor Federal Credit Union | Medford, WI | $89M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Tomah Area Federal Credit Union | Tomah, WI | $126M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Unitedone Federal Credit Union | Manitowoc, WI | $348M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| University Of Wisconsin Federal Credit Union | Madison, WI | $6.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Valley Communities Federal Credit Union | Mosinee, WI | $307M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Verve, A Credit Union | Oshkosh, WI | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Wea Federal Credit Union | Madison, WI | $43M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Westby Co-Op Federal Credit Union | Westby, WI | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Westconsin Federal Credit Union | Menomonie, WI | $2.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wisconsin Medical Federal Credit Union | Green Bay, WI | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
53 peers selected · 21 publish this fee(monthly maintenance)
32 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6 among 21 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
Lco 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 Lco 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 | $11K | −$2K | −15.4% |
| Q1 2026 | $13K | −$4K | −23.5% |
| Q4 2025 | $17K | +$4K | +30.8% |
| Q3 2025 | $13K | +$2K | +18.2% |
| Q2 2025 | $11K | +$4K | +57.1% |
| Q1 2025 | $7K | −$6K | −46.2% |
| Q4 2024 | $13K | +$8K | +160.0% |
| Q3 2024 | $5K | −$6K | −54.5% |
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, Lco 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 Lco Federal Credit Union by share.
Amounts from Lco Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
one time · Added to Loan if Approved
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee: 36 Months with No Activity | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Loan Processing Fee - Special Loans (SOS, XMAS, etc.) | $20Inside the U.S. middle 50% ($7 to $25 nationally) | one time | Added to Loan if Approved |
| Reconciliation Account | $25Inside the U.S. middle 50% ($7 to $25 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Check | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
Check Services | |||
| Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Non-Member Check Cashing Fee | 5% | Not stated | None |
| Non-Member Check Cashing Fee (audience not stated, treated as personal) | 5% | Not stated | None |
| Check Copies | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Counting | 20% | Not stated | None |
| Coin Counting (audience not stated, treated as personal) | 20% | Not stated | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
Lending Fees | |||
| Credit Report Fee | $10Below the U.S. middle 50% ($20.15 to $96.25 nationally) | Not stated | None |
Other Fees | |||
| Fax | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Print Out | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Loan Processing Fee: Added to Loan if Approved | $75Above 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
Nov 2, 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 Lco Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Hayward, WI | 1 |
| Mount Pleasant, WI | 1 |
Largest competitors nearby
Local market: Sawyer county, WI, around its headquarters.
| 5 in its local market | Deposit share |
|---|---|
| Frandsen Bank & Trust | 31% |
| Johnson Bank | 30.8% |
| Chippewa Valley Bank | 18.5% |
| Associated Bank, National Association | 12.5% |
| Shell Lake State Bank | 7.2% |
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.