Compared with Michigan
17 of 24
compared fees are above the median.
5 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
83rd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 24 compared; 5 below, 2 about the same
See the feesFee schedule read Oct 5, 2026
Call-report figures are for Kalsee 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 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. | Kalsee Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 5, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 14% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (83rd 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 $716K in Q2 2026, 35% below the same quarter a year earlier ($1.1M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
17 of 24 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.
Non-Network ATM
NSF / Returned Item
Wire Transfer (Domestic Out)
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 rose 6409% from Q3 2025 to Q2 2026, to $716K. Its share of revenue, 14%, is above the 7.2% median for credit unions with under $300M in assets.
$716K
Kalsee 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.
Kalsee Federal Credit Union · $292M 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Kalsee Federal Credit Union(this institution) | Kalamazoo, MI | $292M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 1St Community Federal Credit Union | Sparta, WI | $288M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Advantage Plus Federal Credit Union | Pocatello, ID | $292M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alive Federal Credit Union | Jacksonville, FL | $296M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Allegent Community Federal Credit Union | Pittsburgh, PA | $281M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bangor Federal Credit Union | Bangor, ME | $293M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bowater Employees Federal Credit Union | Calhoun, TN | $303M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bronco Federal Credit Union | Franklin, VA | $292M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Century Heritage Federal Credit Union | Pittsburgh, PA | $289M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cottonwood Community Federal Credit Union | Cottonwood, ID | $286M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Cross Valley Federal Credit Union | Wilkes Barre, PA | $300M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| General Electric Employees Federal Credit Union | Milford, CT | $283M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Glacier Hills Federal Credit Union | West Bend, WI | $286M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Har-Co Federal Credit Union | Bel Air, MD | $286M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heritage Community Federal Credit Union | Rancho Cordova, CA | $283M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Holyoke Federal Credit Union | Holyoke, MA | $296M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Homebase Federal Credit Union | Prince George, VA | $298M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lormet Community Federal Credit Union | Amherst, OH | $283M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Loyalty Federal Credit Union | Pensacola, FL | $300M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Maine Family Federal Credit Union | Lewiston, ME | $288M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mtc Federal Credit Union | Greenville, SC | $303M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northwestern Mutual Federal Credit Union | Milwaukee, WI | $286M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Otis Federal Credit Union | Jay, ME | $300M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tct Federal Credit Union | Ballston Spa, NY | $296M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Federal Credit Union | Mexico, MO | $302M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Western Vista Federal Credit Union | Cheyenne, WY | $281M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | 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
The peer median is $6.50 among 11 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 Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Kalsee Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Kalsee 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 | $716K | −$23K | −3.1% |
| Q1 2026 | $739K | −$83K | −10.1% |
| Q4 2025 | $822K | +$811K | +7372.7% |
| Q3 2025 | $11K | −$1.1M | −99.0% |
| Q2 2025 | $1.1M | +$521K | +88.8% |
| Q1 2025 | $587K | −$495K | −45.7% |
| Q4 2024 | $1.1M | −$10K | −0.9% |
| Q3 2024 | $1.1M | +$58K | +5.6% |
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, Kalsee 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 Kalsee Federal Credit Union by share.
Amounts from Kalsee 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 | |||
| Dormant Account (after the first 6 months, then $10 per month thereafter) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconcilement/Research (1-hour minimum charge) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned/Undeliverable Mail (per membership account) | $20Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Non-Sufficient Funds Check, ACH, or EFT through debit card transaction | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer from Savings/LOC/VISA Advance | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Out of Network ATM Usage – Includes Deposit, Withdrawal & Inquiry | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Debit Card Replacement – In Branch Delivery | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Wire (US) - US Funds ONLY (per request) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Wire (per request) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Outgoing Wire (International) - US Funds ONLY (per request) | $45Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier Check or Money Order Issuance/Reissuance - Member ONLY | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Starter Checks – (4 per sheet) | $4Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing (On Us Only – No Third Party) (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Foreign Item Processing | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copy (Cashier's Check, Money Order, Deposited Item, On Us, Bill Pay, Share Draft) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Coin Processing – Member ONLY | No chargeInside the U.S. middle 50% ($0 to $2 nationally) | Not stated | None |
| Credit Card Cash Advance | No chargeBelow the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Return Deposited Item | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary – Member Only (Free if Gold, Platinum, or VIP Member) | $5Not compared: Charged per document; comparison unavailable | per document | None |
| Large (5” x 10”) – Annual Fee Posted on 1 st business day in January – Prorated fees apply | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Lock Drilling | $250Not compared: Box drilling or key fee | Not stated | None |
| Medium (3” x 10”) – Annual Fee Posted on 1 st business day in January – Prorated fees apply | $48Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Mini (3” x 5”) – Annual Fee Posted on 1 st business day in January – Prorated fees apply | $24Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Replacement Key | $10Not compared: Box drilling or key fee | Not stated | None |
| Small (5” x 5”) – Annual Fee Posted on 1 st business day in January – Prorated fees apply | $36Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| X-Large (10” x 10”) – Annual Fee Posted on 1 st business day in January – Prorated fees apply | $96Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Tax Levy / Garnishments | $75Inside the U.S. middle 50% ($30 to $85.63 nationally) | per item | None |
| Mortgage Subordination | $100Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
| Subpoena Information Request | $75Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
| Verification of Deposit | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Gift Cards ($25 up to $500 Only) | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Statement Reproduction (VISA or Regular Member Account Statement) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Extension Fee – Non “Skip A Pay” Offering | $50Above the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Skip A Pay – In Branch or Over the Phone Request | $40Above the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Skip A Pay – Online Request | $30Inside 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 5, 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 Kalsee Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Kalamazoo, MI | 3 |
| Portage, MI | 2 |
| Springfield, MI | 1 |
| Vicksburg, MI | 1 |
Largest competitors nearby
Local market: Kalamazoo county, MI, around its headquarters.
| 16 in its local market | Deposit share |
|---|---|
| Fifth Third Bank, National Association | 26.6% |
| PNC Bank, National Association | 18.6% |
| First National Bank of Michigan | 13% |
| Mercantile Bank | 10.6% |
| JPMorgan Chase Bank, National Association | 7.4% |
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.