Compared with Michigan
9 of 23
compared fees are above the median.
10 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
41st percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 23 compared; 10 below, 4 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for Advia 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 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. | Advia Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.9% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (41st 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 $4.1M in Q2 2026, 8.8% above the same quarter a year earlier ($3.7M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
9 of 23 compared published fees sit above the Michigan median; 10 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
Overdraft (OD)
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 was about level from Q3 2025 to Q2 2026, at $4.1M. Its share of revenue, 5.9%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$4.1M
Advia 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.
Advia Federal Credit Union · $4.1B 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 |
|---|---|---|---|---|---|---|---|
| Advia Federal Credit Union(this institution) | Kalamazoo, MI | $4.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Addition Financial Federal Credit Union | Lake Mary, FL | $3.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Affinity Federal Credit Union | Basking Ridge, NJ | $4.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| All In Federal Credit Union | Daleville, AL | $3.7B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Campus USA Federal Credit Union | Gainesville, FL | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Connexus Federal Credit Union | Wausau, WI | $4.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Covantage Federal Credit Union | Antigo, WI | $4.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Educators Federal Credit Union | Racine, WI | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Empower Federal Credit Union | Syracuse, NY | $4.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| General Electric Federal Credit Union | Cincinnati, OH | $4.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Georgia'S Own Federal Credit Union | Atlanta, GA | $4.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Goldenwest Federal Credit Union | Ogden, UT | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Grow Financial Federal Credit Union | Tampa, FL | $3.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Michigan Schools And Government Federal Credit Union | Clinton Township, MI | $4.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Navigant Federal Credit Union | Smithfield, RI | $4.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Numerica Federal Credit Union | Spokane Valley, WA | $4.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Nuvision Federal Credit Union | Huntington Beach, CA | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Oregon Community Federal Credit Union | Eugene, OR | $3.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Peak Federal Credit Union | Olympia, WA | $4.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Premier Members Federal Credit Union | Broomfield, CO | $4.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rockland Federal Credit Union | Rockland, MA | $3.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Rogue Federal Credit Union | Medford, OR | $4.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Safe Federal Credit Union | Folsom, CA | $4.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| University Federal Credit Union | Austin, TX | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Utah Community Federal Credit Union | Provo, UT | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Valley Strong Federal Credit Union | Bakersfield, CA | $4.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.23 among 14 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
Advia 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 Advia 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 | $4.1M | +$21K | +0.5% |
| Q1 2026 | $4.0M | −$124K | −3.0% |
| Q4 2025 | $4.2M | +$123K | +3.0% |
| Q3 2025 | $4.0M | +$309K | +8.3% |
| Q2 2025 | $3.7M | +$131K | +3.6% |
| Q1 2025 | $3.6M | −$348K | −8.8% |
| Q4 2024 | $3.9M | +$213K | +5.7% |
| Q3 2024 | $3.7M | +$262K | +7.6% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Advia 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 Advia Federal Credit Union by share.
Amounts from Advia Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
one time · Only if reopened within 90 days
per month
per hour · Account Research/Reconcile | $25 per hour (one hour minimum)
per month
per page · Temporary Checks | $4 per page
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Money Market Checking (average balances below $1,000) (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closing (within 90 days) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Reopen (within 90 days) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | one time | Only if reopened within 90 days |
| Escheatment Processing | $100Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research/Reconcile | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Research/Reconcile | $25 per hour (one hour minimum) |
| Paper Statement (Mailed) | $2.50Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned Mail/Bad Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
| Returned Mail/Bad Address (per month) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay Coverage on Overdraft | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned Item (debit, draft, EFT) | $28Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfers | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Transactions (non-Advia CU/non-CO-OP Network) (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Member-Requested ATM/Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Card Rush Order | $30Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer: Domestic Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer: Incoming | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Order – Item Returned/Cancellation | $32Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $4Not compared: Charged per page; comparison unavailable | per page | Temporary Checks | $4 per page |
| Non-Member Check Cashing (by credit union staff) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Check Processing | $4Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Check Images on Statements | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Check Images on Statements | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Account Services | |||
| Safe Deposit Box 10x10 | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10x10 (audience not stated, treated as personal) | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 30 Day Late Payment (by credit union staff) | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 3x10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x10 (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x5 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x5 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x10 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x10 (audience not stated, treated as personal) | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x5 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x5 (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Replacement Key | $10Not compared: Box drilling or key fee | Not stated | None |
| Garnishment/Tax Levy/ Subpoena – Legal Processing | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Account History Print (statement copy) | $1Not compared: Charged per page; comparison unavailable | per page | Account History Print (statement copy) | $1 per page |
| Copying/Faxing | $3Inside 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 3, 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 Advia Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
34 offices in 3 states (June 30, 2026)
Each dot is one office.
3 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Kalamazoo, MI | 5 |
| Battle Creek, MI | 2 |
| Beloit, WI | 2 |
| Brownstown Twp, MI | 1 |
| Cary, IL | 1 |
| Crystal Lake, IL | 1 |
| Elkhorn, WI | 1 |
| Fort Gratiot, 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.