Compared with Michigan
10 of 23
compared fees are above the median.
6 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
50th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 23 compared; 6 below, 7 about the same
See the feesFee schedule read Oct 20, 2026
Call-report figures are for Sunrise Family 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. | Sunrise Family Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 20, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.2% of revenue, about the same as the 7.2% median of 2,932 credit unions with under $300M in assets (50th percentile). About the same: within 1% of the median.
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $125K in Q2 2026, 6.0% below the same quarter a year earlier ($133K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
10 of 23 compared published fees sit above the Michigan 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 Michigan medians for fees published by banks and credit unions.
Overdraft (OD)
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 fell 2.3% from Q3 2025 to Q2 2026, to $125K. Its share of revenue, 7.2%, is about the same as the 7.2% median for credit unions with under $300M in assets.
$125K
Sunrise Family 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.
Sunrise Family Federal Credit Union · $133M 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 |
|---|---|---|---|---|---|---|---|
| Sunrise Family Federal Credit Union(this institution) | Bay City, MI | $133M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bragg Mutual Federal Credit Union | Fayetteville, NC | $131M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cenla Federal Credit Union | Alexandria, LA | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Coastline Federal Credit Union | Jacksonville, FL | $136M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Eastex Federal Credit Union | Evadale, TX | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Finex Federal Credit Union | East Hartford, CT | $134M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Firefighters Federal Credit Union | Onalaska, WI | $133M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Gas And Electric Federal Credit Union | Rock Island, IL | $132M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Healthcare Systems Federal Credit Union | Falls Church, VA | $135M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Heritage Valley Federal Credit Union | York, PA | $131M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Horizons North Federal Credit Union | Westminster, CO | $136M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Liberty Savings Federal Credit Union | Jersey City, NJ | $135M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members 1St Of Nj Federal Credit Union | Vineland, NJ | $134M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Advantage Federal Credit Union | Michigan City, IN | $132M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Oakdale Federal Credit Union | Oakdale, WI | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Pheple Federal Credit Union | Greensburg, PA | $134M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pikes Peak Federal Credit Union | Colorado Springs, CO | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Premier Financial Federal Credit Union | New Holstein, WI | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Russell Country Federal Credit Union | Great Falls, MT | $131M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Stagepoint Federal Credit Union | Laramie, WY | $131M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Straits Area Federal Credit Union | Cheboygan, MI | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Texas Health Federal Credit Union | Austin, TX | $134M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Trademark Federal Credit Union | Augusta, ME | $132M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| University Of Nebraska Federal Credit Union | Lincoln, NE | $131M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wailuku Federal Credit Union | Kahului, HI | $135M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Workmen'S Circle Incorporated Federal Credit Union | Savannah, GA | $135M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | 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
The peer median is $1 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 Oct 31, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Sunrise Family Federal Credit Union does not publish an out-of-network atm 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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Sunrise Family 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 | $125K | +$11K | +9.6% |
| Q1 2026 | $114K | −$17K | −13.0% |
| Q4 2025 | $131K | +$3K | +2.3% |
| Q3 2025 | $128K | −$5K | −3.8% |
| Q2 2025 | $133K | −$9K | −6.3% |
| Q1 2025 | $142K | −$6K | −4.1% |
| Q4 2024 | $148K | +$5K | +3.5% |
| Q3 2024 | $143K | +$17K | +13.5% |
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, Sunrise Family 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 Sunrise Family Federal Credit Union by share.
Amounts from Sunrise Family Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Fee (after 12 months) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Paper Statement Fee | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Bad Address (monthly fee) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay/Overdraft(per presentment) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft (OD) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Message Pay NSF Fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Nonsufficient funds fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement card fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfers-Domestic Outgoing (each) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfers-Domestic Incoming (each) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire Transfers-Foreign Outgoing (each) | $75Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Wire Transfers-Foreign Incoming (each) | $50Above the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Money Order (Each) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Request (ACH/EFT/Drafts) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing (non-members) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Item Processing | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| Same Day ACH Origination | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Cash & Deposit | |||
| Return Deposit Item | $25Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary per Document (non-members) | $10Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Garnishment/Levy/Escheat Processing | $50Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment (Consumer Loans & Credit Cards) | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Out | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card | $3.50Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Transaction Copy/History per Page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 20, 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 Sunrise Family Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Bay City, MI | 1 |
| Essexville, MI | 1 |
| Standish, MI | 1 |
Largest competitors nearby
Local market: Bay county, MI, around its headquarters.
| 10 in its local market | Deposit share |
|---|---|
| The Huntington National Bank | 36.9% |
| Independent Bank | 31.2% |
| PNC Bank, National Association | 15.5% |
| Thumb Bank and Trust | 6.5% |
| 1st State Bank | 5.7% |
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.