Compared with Michigan
10 of 29
compared fees are above the median.
12 below, 7 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
89th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 29 compared; 12 below, 7 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Elga 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. | Elga Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 12% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (89th 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 $4.9M in Q2 2026, 22% above the same quarter a year earlier ($4.0M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
10 of 29 compared published fees sit above the Michigan median; 12 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 $6.50, 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 rose 10% from Q3 2025 to Q2 2026, to $4.9M. Its share of revenue, 12%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$4.9M
Elga 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 $3 to $10; we compare the midpoint.
Elga Federal Credit Union · $2.5B 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 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Elga Federal Credit Union(this institution) | Grand Blanc, MI | $2.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| A+ Federal Credit Union | Austin, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Advancial Federal Credit Union | Dallas, TX | $2.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Allegacy Federal Credit Union | Winston Salem, NC | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Altura Federal Credit Union | Riverside, CA | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Atlanta Postal Federal Credit Union | Atlanta, GA | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Austin Telco Federal Credit Union | Austin, TX | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Barksdale Federal Credit Union | Barksdale Afb, LA | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Brightbridge Federal Credit Union | Lawrence, MA | $2.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Centra Federal Credit Union | Columbus, IN | $2.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Credit Union of Colorado, A | Denver, CO | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Credit Union of Texas | Allen, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Dort Financial Federal Credit Union | Grand Blanc, MI | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dow Federal Credit Union | Midland, MI | $2.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Elements Financial Federal Credit Union | Indianapolis, IN | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Firefighters First Federal Credit Union | Los Angeles, CA | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Georgia United Federal Credit Union | Duluth, GA | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hughes Federal Credit Union | Tucson, AZ | $2.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ithink Financial Federal Credit Union | Boca Raton, FL | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jsc Federal Credit Union | Houston, TX | $2.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Kemba Financial Federal Credit Union | Gahanna, OH | $2.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kitsap Federal Credit Union | Bremerton, WA | $2.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Max Federal Credit Union | Montgomery, AL | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| South Carolina Federal Credit Union | North Charleston, SC | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Texans Federal Credit Union | Richardson, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Workers Federal Credit Union | Littleton, MA | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $6.50, the middle of its two prices, against a peer median of $7.48 among 15 publishing peers.
Its two checking prices are $3 and $10.
$6.50 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 29, 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 29, 2026. Total assets from FDIC and NCUA records.
Call reports for Elga 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 | $4.9M | +$481K | +10.8% |
| Q1 2026 | $4.5M | −$57K | −1.3% |
| Q4 2025 | $4.5M | +$29K | +0.6% |
| Q3 2025 | $4.5M | +$448K | +11.1% |
| Q2 2025 | $4.0M | +$397K | +10.9% |
| Q1 2025 | $3.6M | +$1.0M | +39.1% |
| Q4 2024 | $2.6M | −$1.9M | −42.1% |
| Q3 2024 | $4.5M | +$334K | +8.0% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Elga 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 Elga Federal Credit Union by share.
Amounts from Elga Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
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per item
per transaction
per item
per item
per item
per item
per item
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per year
per year
per year
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Focus Checking . Monthly service charge (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Closure (audience not stated, treated as personal) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Early Closure | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Inactivity (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account is inactive if there have been no deposits or withdrawals (audience not stated, treated as personal) | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Balancing Assistance | $10Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Foreign Wire Research | $15Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Money Market Excessive Transaction | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Money Market Excessive Transaction | $10Inside the U.S. middle 50% ($3 to $10 nationally) | per transaction | None |
Overdraft & NSF | |||
| Courtesy Pay ($5.01 or more withdrawn from negative balance) | $15Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Courtesy Pay ($5.01 or more withdrawn from negative balance) | $15Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| 90 days for terms of 1 year or less: Item Returned Non-Sufficient Funds (NSF) (audience not stated, treated as personal) | $15Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Non-Sufficient Funds (NSF) | $15Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Transaction (audience not stated, treated as personal) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Card Replacement (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Instant Issue Card Replacement (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Card Rush (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Foreign Wire Transfer | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Order (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing (audience not stated, treated as personal) | $6Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Item Processing (All Other Currency) | $95Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Foreign Item Processing (for US Funds or CDN Items) (audience not stated, treated as personal) | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Cashier’s Check or Money Order Copy (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Check Copy (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH File Transfer | $3Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| ACH Origination (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Origination Returned Transaction (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Mobile Deposit (audience not stated, treated as personal) | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Processing for Members | 3% | Not stated | None |
| Coin Processing for Members | 3% | Not stated | None |
| Coin Processing for Non-Members | 10% | Not stated | None |
| Coin Processing for Non-Members | 10% | Not stated | None |
| Coin Processing for Non-Members 10%: Non-Member Transaction | $10Above the U.S. middle 50% ($0 to $2.50 nationally) | Not stated | None |
| RDC Deposit Item Returned | $25Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
| Returned Deposited Item | $25Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| COUNTER SERVICE CHARGES: Safe Deposit Box Drilling | $200Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $72Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $72Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10 | $36Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $36Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 (audience not stated, treated as personal) | $24Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 | $24Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $48Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 | $48Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 5 | $36Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 5 (audience not stated, treated as personal) | $36Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Drilling | $200Not compared: Box drilling or key fee | Not stated | None |
| Garnishment/Levy Processing | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Prepaid Reloadable Card (audience not stated, treated as personal) | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Faxing | $2Not compared: Charged per page; comparison unavailable | per page | None |
| Photocopy Service | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy | $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
Oct 11, 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 Elga Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
22 offices in 2 states (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Grand Blanc, MI | 3 |
| Bay City, MI | 2 |
| Flint, MI | 2 |
| Lapeer, MI | 2 |
| Saginaw, MI | 2 |
| Vero Beach, FL | 2 |
| Burton, MI | 1 |
| Clio, MI | 1 |
Largest competitors nearby
Local market: Genesee county, MI, around its headquarters.
| 12 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 39.3% |
| The Huntington National Bank | 31.4% |
| ChoiceOne Bank | 14.5% |
| Fifth Third Bank, National Association | 7.8% |
| Flagstar Bank, National Association | 2.8% |
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.