Compared with Pennsylvania
4 of 20
compared fees are above the median.
10 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
41st percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Pennsylvania median
of 20 compared; 10 below, 6 about the same
See the feesFee schedule read Oct 27, 2026
Call-report figures are for Mc 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 Pennsylvania median | Published fees above the Pennsylvania median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Mc Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 27, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.0% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (41st 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 $238K in Q2 2026, 9.2% above the same quarter a year earlier ($218K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 20 compared published fees sit above the Pennsylvania median; 10 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 Pennsylvania medians for fees published by banks and credit unions.
Overdraft (OD)
Monthly Maintenance
Fresh Start Checking
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 3.9% from Q3 2025 to Q2 2026, to $238K. Its share of revenue, 6.0%, is below the 7.2% median for credit unions with under $300M in assets.
$238K
Mc 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.
Mc Federal Credit Union · $247M 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 |
|---|---|---|---|---|---|---|---|
| Mc Federal Credit Union(this institution) | Danville, PA | $247M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bossier Federal Credit Union | Bossier City, LA | $245M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Building Trades Federal Credit Union | Maple Grove, MN | $250M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Cedar Falls Community Federal Credit Union | Cedar Falls, IA | $252M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community West Federal Credit Union | Kentwood, MI | $252M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Corazo Federal Credit Union | El Centro, CA | $244M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Geovista Federal Credit Union | Hinesville, GA | $247M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greater Alliance Federal Credit Union | Paramus, NJ | $248M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Illinois State Federal Credit Union | Normal, IL | $249M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Investex Federal Credit Union | Humble, TX | $245M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jersey Shore Federal Credit Union | Northfield, NJ | $246M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Luso Federal Credit Union | Ludlow, MA | $245M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meritus Federal Credit Union | Lafayette, LA | $246M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Novation Federal Credit Union | Oakdale, MN | $244M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nw Priority Federal Credit Union | Portland, OR | $248M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ohio Valley Community Federal Credit Union | Clarington, OH | $244M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pioneer Appalachia Federal Credit Union | Charleston, WV | $245M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pyramid Federal Credit Union | Tucson, AZ | $248M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Seaboard Federal Credit Union | Bucksport, ME | $246M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Shrewsbury Federal Credit Union | Shrewsbury, MA | $249M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Skypoint Federal Credit Union | Germantown, MD | $243M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southbridge Federal Credit Union | Southbridge, MA | $242M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southern Security Federal Credit Union | Collierville, TN | $252M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| St. Paul Federal Credit Union | Saint Paul, MN | $252M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sterling Federal Credit Union | Sterling, CO | $247M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tongass Federal Credit Union | Ketchikan, AK | $252M | Publishes Monthly maintenance | Out-of-network ATM not published | 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.
Peer pricing snapshot
Compared at $5, the middle of its two prices, against a peer median of $8 among 11 publishing peers.
Its two checking prices are $5 and $5.
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 4, 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.
Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.
Call reports for Mc Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 19 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $238K | +$24K | +11.2% |
| Q1 2026 | $214K | −$11K | −4.9% |
| Q4 2025 | $225K | −$4K | −1.7% |
| Q3 2025 | $229K | +$11K | +5.0% |
| Q2 2025 | $218K | −$2K | −0.9% |
| Q1 2025 | $220K | +$15K | +7.3% |
| Q4 2024 | $205K | +$17K | +9.0% |
| Q3 2024 | $188K | −$7K | −3.6% |
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, Mc 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 Mc Federal Credit Union by share.
Amounts from Mc Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per month
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Fresh Start Checking monthly service fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research/Account Reconciliation | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive Withdrawals/Transfers Fee | $5Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
| Incorrect Address Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay Fee | $27Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Debit Card Overdraft Tolerance Fee | $27Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item Fee/NSF | $27Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Card Replacement Fee (Lost/Stolen) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Lost Card Reissue Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Domestic (outgoing) Fee | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer International (outgoing) Fee | $40Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Money Orders | $1Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment fee (Including Online Bill Pay) | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Photocopy of Draft Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Payment by Phone Fee (Check/Cash Advance) | $5Inside the U.S. middle 50% ($2 to $10 nationally) | per item | None |
| Deposited Item Return Fee | $27Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Documentation Fee (Notary Fee) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Garnishment Fee | $75Inside the U.S. middle 50% ($30 to $85.63 nationally) | per item | None |
| IRS Levy Fee | $50Inside the U.S. middle 50% ($30 to $85.63 nationally) | per item | None |
Lending Fees | |||
| Late Payment Fee | $20Inside the U.S. middle 50% ($15 to $25 nationally) | per item | None |
Other Fees | |||
| Document Reproduction (Photocopies) | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Skip-A-Pay Fee | $27Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 27, 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 Mc Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Lewisburg, PA | 2 |
| Bloomsburg, PA | 1 |
| Danville, PA | 1 |
| Mount Carmel, PA | 1 |
Largest competitors nearby
Local market: Montour county, PA, around its headquarters.
| 8 in its local market | Deposit share |
|---|---|
| Fulton Bank, National Association | 49.5% |
| Journey Bank | 12.7% |
| Northwest Bank | 12% |
| Manufacturers and Traders Trust Company | 10.7% |
| First Commonwealth Bank | 9.8% |
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.