Compared with Missouri
16 of 22
compared fees are above the median.
2 below, 4 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
87th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Missouri median
of 22 compared; 2 below, 4 about the same
See the feesFee schedule read Oct 19, 2026
Call-report figures are for Central Missouri 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 Missouri median | Published fees above the Missouri median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Central Missouri Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 19, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 15% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (87th 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 $326K in Q2 2026, 19% above the same quarter a year earlier ($273K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
16 of 22 compared published fees sit above the Missouri median; 2 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 Missouri medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $12.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Missouri, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 9.4% from Q3 2025 to Q2 2026, to $326K. Its share of revenue, 15%, is above the 7.2% median for credit unions with under $300M in assets.
$326K
Central Missouri 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. *Monthly maintenance: Listed at $10 to $15; we compare the midpoint.
Central Missouri Community Federal Credit Union · $140M 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 |
|---|---|---|---|---|---|---|---|
| Central Missouri Community Federal Credit Union(this institution) | Warrensburg, MO | $140M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 1St Ed Credit Union | Chambersburg, PA | $138M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Allied Federal Credit Union | Arlington, TX | $138M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Aurora Federal Credit Union | Aurora, CO | $140M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Baptist Health South Florida Federal Credit Union | Miami, FL | $140M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Breakwater Federal Credit Union | Houghton, MI | $138M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Campbell Federal Credit Union | Maple Shade, NJ | $139M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community Powered Federal Credit Union | Bear, DE | $142M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| County Excellence Federal Credit Union | Roselle Park, NJ | $138M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Delaware State Police Federal Credit Union | Georgetown, DE | $138M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Dept Of Labor Federal Credit Union | Washington, DC | $138M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Priority Federal Credit Union | Boston, MA | $139M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Healthcare Employees Federal Credit Union | Princeton, NJ | $137M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heart Of Louisiana Federal Credit Union | Pineville, LA | $143M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Indiana State University Federal Credit Union | Terre Haute, IN | $140M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Market USA Federal Credit Union | Laurel, MD | $142M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mtcu Federal Credit Union | Midland, TX | $137M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| North Alabama Educators Federal Credit Union | Huntsville, AL | $143M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pacific Cascade Federal Credit Union | Eugene, OR | $140M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Pacific Horizon Federal Credit Union | Springville, UT | $141M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Quantum Federal Credit Union | Wichita, KS | $143M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| R T P Federal Credit Union | Rtp, NC | $142M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| The One Federal Credit Union | Meadville, PA | $139M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Walled Lake Schools Federal Credit Union | Wolverine Lake, MI | $138M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wcla Federal Credit Union | Olympia, WA | $142M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| West Virginia Federal Credit Union | South Charleston, WV | $142M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $12.50, the middle of its two prices, against a peer median of $5 among 10 publishing peers.
Its two checking prices are $10 and $15.
$12.50 is a comparison price, not a fee anyone is charged.
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
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 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Central Missouri 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 | $326K | −$22K | −6.3% |
| Q1 2026 | $348K | −$14K | −3.9% |
| Q4 2025 | $362K | +$64K | +21.5% |
| Q3 2025 | $298K | +$25K | +9.2% |
| Q2 2025 | $273K | −$3K | −1.1% |
| Q1 2025 | $276K | −$43K | −13.5% |
| Q4 2024 | $319K | +$14K | +4.6% |
| Q3 2024 | $305K | +$19K | +6.6% |
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, Central Missouri 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 Central Missouri Community Federal Credit Union by share.
Amounts from Central Missouri Community 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 month
per month
per hour
per month
per item
per month
per item
per page
per item
per item
per item
per month
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| 2nd Chance Checking Monthly service charge (audience not stated, treated as personal) | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Minimum Balance (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Close Account (Within 90 Days) | $50Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| IRA Dormant Account | $15Not compared: CD/IRA fee | per month | None |
| Account Reconciliation/Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Excessive Withdrawal Fee (over 6 a month) | $35Above the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Invalid Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Privilege | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item (NSF or Other Reason) | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Non-Proprietary ATM Transaction | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement Cards | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Check Services | |||
| Teller Check Payable to Third Party | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks | $5Not compared: Charged per page; comparison unavailable | per page | None |
| Check Cashing | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Copy of Draft Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Money Market Check (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay Online | $10Above the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Coin Processing (Member) | No chargeInside the U.S. middle 50% ($0 to $2.55 nationally) | Not stated | None |
| Deposited Item Returned | $15Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| 10" X 10" x 21.5" Safe Box | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3" X 10" x 21.5" Safe Box | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3" x 5" x 21.5" Safe Box | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5" X 10" x 21.5" Safe Box | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Drilling Fees | $80Not compared: Box drilling or key fee | per item | None |
| Key Replacement | $35Not compared: Box drilling or key fee | per item | None |
| Garnishment or Tax Levy | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Loan Origination Fee | $50Inside the U.S. middle 50% ($20.15 to $96.25 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Cards | $6Above the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Lien Release Reprint | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 19, 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 Central Missouri Community Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Richmond, MO | 1 |
| Sedalia, MO | 1 |
| Warrensburg, MO | 1 |
Largest competitors nearby
Local market: Johnson county, MO, around its headquarters.
| 7 in its local market | Deposit share |
|---|---|
| F & C Bank | 30.6% |
| The Central Trust Bank | 24.5% |
| U.S. Bank National Association | 17.3% |
| Equity Bank | 10.9% |
| UMB Bank, National Association | 10.1% |
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.