Compared with Ohio
1 of 7
compared fees are above the median.
6 below, 0 about the same.
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
37th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Ohio median
of 7 compared; 6 below, 0 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for Directions 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 452 credit unions with $1B to $10B 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 Ohio median | Published fees above the Ohio median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Directions Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.7% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (37th 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 $1.2M in Q2 2026, 3.9% above the same quarter a year earlier ($1.2M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
1 of 7 compared published fees sit above the Ohio median; 6 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 Ohio medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $1.50, the middle of its prices
Stop Payment
Wire Transfer (Domestic In)
Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 6.8% from Q3 2025 to Q2 2026, to $1.2M. Its share of revenue, 5.7%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$1.2M
Directions 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $0 to $3; we compare the midpoint.
Directions Federal Credit Union · $1.4B 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 |
|---|---|---|---|---|---|---|---|
| Directions Federal Credit Union(this institution) | Toledo, OH | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| American First Federal Credit Union | Brea, CA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Avadian Federal Credit Union | Birmingham, AL | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cobalt Federal Credit Union | Papillion, NE | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community Credit Union of Florida | Rockledge, FL | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Credit Union West | Glendale, AZ | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| East Texas Professional Federal Credit Union | Longview, TX | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Educational Systems Federal Credit Union | Greenbelt, MD | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Commonwealth Federal Credit Union | Lehigh Valley, PA | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Great Lakes Federal Credit Union | Bannockburn, IL | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Gulf Winds Federal Credit Union | Pensacola, FL | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Island Federal Credit Union | Hauppauge, NY | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Launch Credit Union | Merritt Island, FL | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Leaders Credit Union | Jackson, TN | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Los Angeles Police Federal Credit Union | Van Nuys, CA | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Multipli Federal Credit Union | Jefferson City, MO | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Neighbors Federal Credit Union | Baton Rouge, LA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Notre Dame Federal Credit Union | Notre Dame, IN | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Park Federal Credit Union | Louisville, KY | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Patriot Federal Credit Union | Chambersburg, PA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Quorum Federal Credit Union | Purchase, NY | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sandia Area Federal Credit Union | Albuquerque, NM | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sharon & Crescent United Federal Credit Union | Sharon, MA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sikorsky Financial Federal Credit Union | Stratford, CT | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| U.S. Eagle Federal Credit Union | Albuquerque, NM | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| University Of Michigan Federal Credit Union | Ann Arbor, MI | $1.5B | 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 · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $1.50, the middle of its two prices, against a peer median of $10 among 16 publishing peers.
Its two checking prices are $0 and $3.
$1.50 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 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 Directions 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 | $1.2M | +$37K | +3.2% |
| Q1 2026 | $1.2M | −$28K | −2.3% |
| Q4 2025 | $1.2M | −$97K | −7.5% |
| Q3 2025 | $1.3M | +$133K | +11.5% |
| Q2 2025 | $1.2M | +$42K | +3.8% |
| Q1 2025 | $1.1M | −$128K | −10.3% |
| Q4 2024 | $1.2M | +$21K | +1.7% |
| Q3 2024 | $1.2M | +$76K | +6.6% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Directions 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 Directions Federal Credit Union by share.
Amounts from Directions 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 quarter
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Contaminated Money Fee (1% of total): minimum: Monthly Maintenance Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance Fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Quarterly Inactive Fee | $5Not compared: Quarterly charge, not monthly | per quarter | None |
| Mailed Member Statement | $1Below the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
ATM & Card | |||
| Foreign transaction fee (single-currency) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer (incoming) | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Per Money Order | $1Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Financial Institutions: Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment / Lost | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Payment Monthly Fee | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
per month
per month
per hour
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Share Maintenance (Fee applied if average monthly balance falls below $25,000) | $15 | per month | None |
| Share Maintenance (Fee applied if average monthly balance falls below $50,000) | $30 | per month | None |
| Account Research/Reconciliation – per hour ($25 minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail Fee (each occurrence) | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Non-sufficient Funds (each submission) | $15 | per item | None |
| Courtesy Pay Transfer (from savings or overdraft loan) | No charge | Not stated | None |
ATM & Card | |||
| ATM, Debit or VISA replacement card | $5 | Not stated | None |
Wire Transfers | |||
| Wire Transfer (outgoing) | $25 | Not stated | None |
| International Wire Transfer (outgoing) | $50 | Not stated | None |
Check Services | |||
| Official Check Payable to Other | $3 | Not stated | None |
| Official Check Reissue | $25 | Not stated | None |
| Starter Checks | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Copy of Deposited Check | $5 | per item | None |
Account Services | |||
| Garnishment/Levy/Subpoena – each presentment | $25 | per item | None |
| Verification of Deposit for Other Financial Institutions | $5 | Not stated | None |
Oct 15, 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 Directions Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
23 offices in 2 states (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
| Toledo, OH | 4 |
| Mansfield, OH | 3 |
| Maumee, OH | 2 |
| Ashland, OH | 1 |
| Dundee, MI | 1 |
| Lambertville, MI | 1 |
| Lexington, OH | 1 |
| Monroe, MI | 1 |
Largest competitors nearby
Local market: Lucas county, OH, around its headquarters.
| 33 in its local market | Deposit share |
|---|---|
| The Huntington National Bank | 21% |
| Fifth Third Bank, National Association | 19.1% |
| KeyBank National Association | 15.9% |
| Waterford Bank, N.A. | 10.5% |
| Signature Bank, National Association | 9.9% |
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.