Compared with Michigan
14 of 18
compared fees are above the median.
2 below, 2 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
51st percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 18 compared; 2 below, 2 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Adventure 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. | Adventure Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.0% of revenue, about the same as the 7.9% median of 569 credit unions with $300M to $1B in assets (51st percentile). About the same: within 1% of the median.
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $904K in Q2 2026, 3.8% above the same quarter a year earlier ($871K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
14 of 18 compared published fees sit above the Michigan 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 Michigan medians for fees published by banks and credit unions.
NSF / Returned Item
Monthly Maintenance
Compared at $3.38, the middle of its prices
Overdraft (OD)
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 was about level from Q3 2025 to Q2 2026, at $904K. Its share of revenue, 8.0%, is about the same as the 7.9% median for credit unions with $300M to $1B in assets.
$904K
Adventure 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. *Non-network ATM: Listed at $1.25 to $2; we compare the midpoint. Monthly maintenance: Listed at $1.75 to $5; we compare the midpoint.
Adventure Federal Credit Union · $646M 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 21 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Adventure Federal Credit Union(this institution) | Grand Rapids, MI | $646M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Align Federal Credit Union | Lowell, MA | $651M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| American 1 Federal Credit Union | Jackson, MI | $661M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Beehive Federal Credit Union | Rexburg, ID | $648M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| City Federal Credit Union | Dallas, TX | $630M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Coast360 Federal Credit Union | Maite, GU | $633M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Consumer Federal Credit Union | Greeneville, TN | $660M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Emblem Credit Union | Gadsden, AL | $628M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Evergreen Federal Credit Union | Portland, ME | $645M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fedex Employees Credit Association Federal Credit Union | Memphis, TN | $641M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Financial Resources Federal Credit Union | Branchburg, NJ | $659M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Peoples Community Federal Credit Union | Cumberland, MD | $666M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| G.P.O. Federal Credit Union | New Hartford, NY | $630M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Homeland Federal Credit Union | Chillicothe, OH | $624M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Inova Federal Credit Union | Elkhart, IN | $643M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Insight Federal Credit Union | Winter Springs, FL | $629M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Johns Hopkins Federal Credit Union | Baltimore, MD | $637M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Metro Credit Union | Omaha, NE | $646M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Omni Community Federal Credit Union | Battle Creek, MI | $662M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Our Community Federal Credit Union | Shelton, WA | $638M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Partner Colorado Federal Credit Union | Arvada, CO | $644M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Premier One Federal Credit Union | San Jose, CA | $656M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rio Grande Federal Credit Union | Albuquerque, NM | $666M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Security Federal Credit Union | Grand Blanc, MI | $653M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wasatch Peaks Federal Credit Union | Ogden, UT | $658M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $3.38, the middle of its two prices, against a peer median of $6 among 12 publishing peers.
Its two checking prices are $1.75 and $5.
$3.38 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 Adventure 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 | $904K | +$55K | +6.5% |
| Q1 2026 | $849K | −$80K | −8.6% |
| Q4 2025 | $929K | +$16K | +1.8% |
| Q3 2025 | $913K | +$42K | +4.8% |
| Q2 2025 | $871K | −$2K | −0.2% |
| Q1 2025 | $873K | +$160K | +22.4% |
| Q4 2024 | $713K | +$30K | +4.4% |
| Q3 2024 | $683K | +$21K | +3.2% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Adventure 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 Adventure Federal Credit Union by share.
Amounts from Adventure 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 hour · | Research & Reconciliation Fee (Per hour, 1/4 hour increments; 1 hr. minimum) | $50 |
per month
per item
per item
per item
per item
per page · | Starter Checks | $5 per page |
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| EmpowerMe Checking Fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Security Fee - ID Safe Choice (Monthly Fee) (audience not stated, treated as personal) | $1.75Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Choice Checking Minimum Balance Fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Fee (monthly fee applies after one year of inactivity and no other account relationship) (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheat Processing (audience not stated, treated as personal) | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Research & Reconciliation Fee (Per hour, 1/4 hour increments; 1 hr. minimum) (audience not stated, treated as personal) | $50Not compared: Charged per hour; comparison unavailable | per hour | | Research & Reconciliation Fee (Per hour, 1/4 hour increments; 1 hr. minimum) | $50 | |
| Paper Statement by Mail (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Returned Mail Fee (per item) (audience not stated, treated as personal) | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Non-Sufficient Funds / Courtesy Pay Fee (ACH, Check, ATM, Debit) (audience not stated, treated as personal) | $29Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Electronically Returned Items (audience not stated, treated as personal) | $15Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer from Share or Loan (audience not stated, treated as personal) | $4Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Balance Inquiry- Non ACU (audience not stated, treated as personal) | $1.25Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM Withdrawals at Non-Adventure Credit Union ATMs (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Debit / Credit Card Re-issue (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Check Services | |||
| Cashier's Checks (audience not stated, treated as personal) | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders (audience not stated, treated as personal) | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Starter Checks (audience not stated, treated as personal) | $5Not compared: Charged per page; comparison unavailable | per page | | Starter Checks | $5 per page | |
| Non-Member Check Cashing (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Check Processing (additional charges may apply) (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy (Also applies to deposited items, Cashier's Checks & Money Orders) (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Account Services | |||
| Levy/Subpoena/Garnishment (per item) (audience not stated, treated as personal) | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Retirement & IRA | |||
| IRA/HSA Transfer to Another Financial Institution (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 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 1, 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 Adventure Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
10 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Grand Rapids, MI | 4 |
| Lansing, MI | 3 |
| Dewitt, MI | 1 |
| Ionia, MI | 1 |
| Wyoming, MI | 1 |
Largest competitors nearby
Local market: Kent and Ottawa counties, MI, around its headquarters.
| 37 in its local market | Deposit share |
|---|---|
| Fifth Third Bank, National Association | 20% |
| The Huntington National Bank | 17.2% |
| Northpointe Bank | 16.4% |
| JPMorgan Chase Bank, National Association | 9.3% |
| Macatawa Bank, National Association | 9.1% |
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.