Compared with Michigan
17 of 25
compared fees are above the median.
5 below, 3 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
85th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 25 compared; 5 below, 3 about the same
See the feesFee schedule read Apr 21, 2026
Call-report figures are for Extra 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 569 credit unions with $300M to $1B 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 Michigan median | Published fees above the Michigan median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Extra Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Apr 21, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 13% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (85th 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 $943K in Q2 2026, 3.9% above the same quarter a year earlier ($908K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
17 of 25 compared published fees sit above the Michigan 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 Michigan medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
Compared at $32, its standard fee, the highest of its prices
NSF / Returned Item
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.
Fee income fell 5.4% from Q3 2025 to Q2 2026, to $943K. Its share of revenue, 13%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$943K
Extra 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Overdraft: Listed at $15 to $32; we compare the highest. Non-network ATM: Listed at $0 to $2; we compare the midpoint.
Extra Federal Credit Union · $345M 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 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Extra Federal Credit Union(this institution) | Warren, MI | $345M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Agriculture Federal Credit Union | Merrifield, VA | $351M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Elko Federal Credit Union | Elko, NV | $351M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Family First Of Ny Federal Credit Union | Rochester, NY | $345M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Basin Federal Credit Union | Odessa, TX | $343M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fort Worth City Federal Credit Union | Fort Worth, TX | $337M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Freestar Financial Federal Credit Union | Mount Clemens, MI | $350M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Guadalupe Federal Credit Union | Santa Fe, NM | $348M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gulf Federal Credit Union | Groves, TX | $349M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Library Of Congress Federal Credit Union | Washington, DC | $338M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Massmutual Federal Credit Union | Springfield, MA | $344M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Plus Federal Credit Union | Medford, MA | $349M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Michigan United Federal Credit Union | Auburn Hills, MI | $349M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Net Federal Credit Union | Scranton, PA | $354M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Oregonians Federal Credit Union | Milwaukie, OR | $339M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pinal County Federal Credit Union | Casa Grande, AZ | $339M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Prince George'S Community Federal Credit Union | Bowie, MD | $337M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Red Rocks Federal Credit Union | Littleton, CO | $344M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Siouxland Federal Credit Union | South Sioux City, NE | $352M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Solidarity Community Federal Credit Union | Kokomo, IN | $351M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Strata Federal Credit Union | Bakersfield, CA | $345M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Telcomm Federal Credit Union | Springfield, MO | $338M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Transportation Federal Credit Union | Alexandria, VA | $346M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Us Community Federal Credit Union | Nashville, TN | $346M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| West Virginia Central Federal Credit Union | Parkersburg, WV | $341M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $6 among 13 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
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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Extra 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 | $943K | +$2K | +0.2% |
| Q1 2026 | $941K | −$60K | −6.0% |
| Q4 2025 | $1.0M | +$4K | +0.4% |
| Q3 2025 | $997K | +$89K | +9.8% |
| Q2 2025 | $908K | −$20K | −2.2% |
| Q1 2025 | $928K | −$82K | −8.1% |
| Q4 2024 | $1.0M | +$3K | +0.3% |
| Q3 2024 | $1.0M | +$88K | +9.6% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Extra 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 Extra Federal Credit Union by share.
Amounts from Extra Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account (After 12 months of all account inactivity) (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| ING Account Balancing and Reconcilement | $40Above the U.S. middle 50% ($6.44 to $25 nationally) | Not stated | None |
| Paper Statement | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Invalid Address Charge (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Charge/ Non-Sufficient Funds (NSF) (per submission/resubmission of an item for payment) (audience not stated, treated as personal) | $15Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Point-of-Sale Pay (Courtesy Pay at ATM and Retailers) (audience not stated, treated as personal) | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds (NSF) (per submission/resubmission of an item for payment) (audience not stated, treated as personal) | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Item through eBill Pay (NSF) (per submission/resubmission for an item for payment) (audience not stated, treated as personal) | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Balance Inquiry at Foreign ATM (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Extra Credit Union or Co-Op Network ATM (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Transfer at Foreign ATM (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Withdrawal at Foreign ATM (Assessed daily per withdrawal) (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Replacement Card (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Domestic Wire | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Transfer | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Foreign Wire (Outside United States) | $75Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check | $25Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Extra Credit Union Cashier’s Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Extra Credit Union Cashier’s Check Stop Payment | $32Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment (Valid for six months) (audience not stated, treated as personal) | $32Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| 4% All Non-member Check Cashing | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Cashing | $2Below the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Designer Checks See Pricing Guide Check Copies (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Returned deposit item fee assessed if drawn on an account held by the member | $32Above the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service | $5Not compared: Charged per document; comparison unavailable | per document | None |
| 10x10 Safe Deposit Box Rental | $95Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 2x5 Safe Deposit Box Rental | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3x10 Safe Deposit Box Rental | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3x5 Safe Deposit Box Rental | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5x10 Safe Deposit Box Rental | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Replacement Key (audience not stated, treated as personal) | $25Not compared: Box drilling or key fee | per item | None |
| Tax Levy/Garnishment | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Subordination on Mortgages | $150Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Verification of Deposit | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Loan Late Payment – loans after 05/18/09, but before 07/01/2010 (15 days past due) | $20Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Loan Late Payment – loans after 07/01/2010 (15 days past due) | $35Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy (Duplicate) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Extra Quick Loan Application Fee | $35Not compared: Monthly charge, not per item | per month | None |
| HELOC Returned Payment (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Loan Processing Service Charge | $75Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Refinance (IF APPLICABLE, SEE AN MS REP FOR DETAILS) | $50Above 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
Apr 21, 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 Extra 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.
Cities with the most offices
| Warren, MI | 1 |
| Washington Township, MI | 1 |
Largest competitors nearby
Local market: Macomb county, MI, around its headquarters.
| 21 in its local market | Deposit share |
|---|---|
| Fifth Third Bank, National Association | 24.4% |
| The Huntington National Bank | 19.2% |
| JPMorgan Chase Bank, National Association | 17.4% |
| Bank of America, National Association | 10.8% |
| Citizens Bank, National Association | 8.5% |
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.