20 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 4, 2026.
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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 4, 2026
Call-report figures are for Michigan Coastal 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) Shown when at least 10 credit unions of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Michigan Coastal Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 4, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $56K in Q2 2026, 3.4% below the same quarter a year earlier ($58K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
Compared at $1, the middle of its prices
A blank median means fewer than 5 publish the fee.
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 11% from Q3 2025 to Q2 2026, to $56K.
$56K
Michigan Coastal Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Michigan Coastal Federal Credit Union · $26M 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Michigan Coastal Federal Credit Union(this institution) | Muskegon, MI | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Beverly Municipal Federal Credit Union | Beverly, MA | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Center City Community Federal Credit Union | Buena Park, CA | $26M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central Illinois Federal Credit Union | Champaign, IL | $26M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Concho Valley Federal Credit Union | San Angelo, TX | $26M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Construction Federal Credit Union | Bingham Farms, MI | $26M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| County Federal Credit Union | Clayton, MO | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dillard'S Federal Credit Union | Little Rock, AR | $25M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dowagiac Area Federal Credit Union | Dowagiac, MI | $26M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Elite Community Federal Credit Union | Bourbonnais, IL | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Energize Federal Credit Union | Oklahoma City, OK | $25M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Family Community Federal Credit Union | Charles City, IA | $26M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Farm Bureau Family Federal Credit Union | Lansing, MI | $27M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Healthcare Services Federal Credit Union | Chattanooga, TN | $26M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Howard County Education Federal Credit Union | Ellicott City, MD | $25M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Jersey Central Federal Credit Union | Cranford, NJ | $25M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Legacy Federal Credit Union | Joplin, MO | $25M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Lockport Schools & Community Federal Credit Union | Lockport, NY | $26M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Onomea Federal Credit Union | Papaikou, HI | $26M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| P & S Federal Credit Union | Salt Lake City, UT | $25M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Racine Municipal Employees Federal Credit Union | Racine, WI | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Reliance Federal Credit Union | Kansas City, KS | $25M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Shared Resources Federal Credit Union | Pasadena, TX | $25M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Local Federal Credit Union | Dallas, TX | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Westside Community Federal Credit Union | Churchville, NY | $26M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Worcester Police Department Federal Credit Union | Worcester, MA | $25M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(out-of-network atm)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $1, the middle of its four prices, against a peer median of $1 among 11 publishing peers.
Its four prices are $0.50, $1, $1 and $1.
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.
Out-of-network ATM fee in dollars, one mark per institution
Against this institution's out-of-network atm fee
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 Michigan Coastal 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 | $56K | $0 | 0.0% |
| Q1 2026 | $56K | −$11K | −16.4% |
| Q4 2025 | $67K | +$4K | +6.3% |
| Q3 2025 | $63K | +$5K | +8.6% |
| Q2 2025 | $58K | +$5K | +9.4% |
| Q1 2025 | $53K | −$14K | −20.9% |
| Q4 2024 | $67K | −$1K | −1.5% |
| Q3 2024 | $68K | +$5K | +7.9% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Michigan Coastal Federal Credit Union’s own schedules, with a source for each figure.
per item
per item
per item
per item
per page · Starter Checks | $4.00 | Per Page (4 checks/page) W/CU Approval
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Low Balance Fee (Monthly) | $5 | per month | None |
| Account Reconciliation | $25 | Not stated | None |
| Account Research Fee | $25 | Not stated | None |
| Return Mail/Bad Address | $5 | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay Fee | $30 | per item | None |
| NSF Returns | $30 | per item | None |
ATM & Card | |||
| ATM Inquiries | $1 | Not stated | None |
| ATM Transfers | $1 | Not stated | None |
| ATM Withdrawals | $1 | Not stated | None |
| Incomplete ATM Transactions | $0.50 | per item | None |
| Card RUSH Delivery | $75 | per item | ATM/Debit/Visa |
Check Services | |||
| Cashier Checks | $3 | per item | None |
| Money Orders | $3 | per item | None |
| ACH Stop Payment | $25 | Not stated | None |
| Check Stop Payment | $25 | Not stated | None |
| Stop Payments on Corporate Checks | $30 | per item | None |
| Stop Payments on Money Orders | $30 | per item | None |
| Starter Checks | $4Not compared: Charged per page; comparison unavailable | per page | Starter Checks | $4.00 | Per Page (4 checks/page) W/CU Approval |
| Non-Member Check Cashing | $10 | Not stated | None |
| Foreign Item Processing | $10 | Not stated | None |
| Copy of Checks | $5 | Not stated | None |
| Copy of Corp Checks & Money Orders | $5 | per item | None |
Cash & Deposit | |||
| Return Check Fee | $15 | per item | None |
Account Services | |||
| Garnishment/Levy/Escheat | $50 | Not stated | None |
| Verification of Deposit | $5 | Not stated | None |
Retirement & IRA | |||
| IRA Yearly Administration Fee | $20 | per year | None |
| IRA Transfer to Another FI | $25 | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $3.50 | Not stated | None |
Other Fees | |||
| Fax Services | $2 | Not stated | None |
| Visa Credit Card Statement Copies | $10 | per item | None |
Nov 4, 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.
Fee change alerts
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