Compared with Michigan
0 of 15
compared fees are above the median.
12 below, 3 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
15th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 15 compared; 12 below, 3 about the same
See the feesFee schedule read Oct 13, 2026
Call-report figures are for Alpena-Alcona Area 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 569 credit unions with $300M to $1B 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. | Alpena-Alcona Area Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 13, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 4.4% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (15th 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 $622K in Q2 2026, 1.1% above the same quarter a year earlier ($615K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
0 of 15 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.
Paper Statement
Compared at $0.25, the middle of its prices
Cashier's Check
Debit Card Replacement
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 1.5% from Q3 2025 to Q2 2026, to $622K. Its share of revenue, 4.4%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$622K
Alpena-Alcona Area 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Alpena-Alcona Area Federal Credit Union · $976M 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 |
|---|---|---|---|---|---|---|---|
| Alpena-Alcona Area Federal Credit Union(this institution) | Alpena, MI | $976M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Altaone Federal Credit Union | Ridgecrest, CA | $967M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Belco Community Credit Union | Harrisburg, PA | $974M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Campus Federal Credit Union | Baton Rouge, LA | $936M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Del-One Federal Credit Union | Dover, DE | $983M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Enrichment Federal Credit Union | Oak Ridge, TN | $984M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fortera Federal Credit Union | Clarksville, TN | $947M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gather Federal Credit Union | Lihue, HI | $934M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Golden Plains Federal Credit Union | Garden City, KS | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Greater Texas Federal Credit Union | Austin, TX | $995M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Greenwood Federal Credit Union | Warwick, RI | $957M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Hoosier Hills Federal Credit Union | Bedford, IN | $938M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Houston Federal Credit Union | Sugar Land, TX | $952M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Houston Police Federal Credit Union | Houston, TX | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kellogg Community Federal Credit Union | Battle Creek, MI | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Matanuska Valley Federal Credit Union | Palmer, AK | $977M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merck Sharp & Dohme Federal Credit Union | Chalfont, PA | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Numark Federal Credit Union | Joliet, IL | $932M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oklahoma'S Federal Credit Union | Oklahoma City, OK | $954M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Qualstar Federal Credit Union | Bothell, WA | $939M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tlc Community Federal Credit Union | Adrian, MI | $950M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| True Community Federal Credit Union | Jackson, MI | $955M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Tucson Federal Credit Union | Tucson, AZ | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| University Of Hawaii Federal Credit Union | Honolulu, HI | $976M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Water And Power Community Federal Credit Union | Los Angeles, CA | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Westreet Federal Credit Union | Tulsa, OK | $967M | 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 · 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 $5 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 26, 2026.
Monthly maintenance fee in dollars, one mark per institution
Alpena-Alcona Area 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 Oct 26, 2026. Total assets from FDIC and NCUA records.
Call reports for Alpena-Alcona Area 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 | $622K | −$17K | −2.7% |
| Q1 2026 | $639K | −$7K | −1.1% |
| Q4 2025 | $646K | +$33K | +5.4% |
| Q3 2025 | $613K | −$2K | −0.3% |
| Q2 2025 | $615K | +$42K | +7.3% |
| Q1 2025 | $573K | −$46K | −7.4% |
| Q4 2024 | $619K | −$60K | −8.8% |
| Q3 2024 | $679K | +$111K | +19.5% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Alpena-Alcona Area 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 Alpena-Alcona Area Federal Credit Union by share.
Amounts from Alpena-Alcona Area Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per quarter
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closed Account (within 90 days of opening) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account (monthly) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research/Reconciliation (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement (Customized) | $0.50Below the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Paper Statement (Standard) | No chargeBelow the U.S. middle 50% ($2 to $4.99 nationally) | per item | None |
| Returned Mail | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
| Wrong Address (quarterly) | $5Not compared: Quarterly charge, not monthly | per quarter | None |
ATM & Card | |||
| Card Replacement Fee (Lost or Damaged) (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Transaction Fee (% of Transaction) (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Check Services | |||
| Cashier's Check | $1Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Coverdell Educational Savings Account (early withdrawal penalty based on tax law) | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Payment | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile Check Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash Advance Fee (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Returned Deposit Item | $5Below the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
| Night Depository Service | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| 5" X 10" Box Annual Fee | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Online Safe Deposit Box (25 MB of storage) | No chargeBelow the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
Other Fees | |||
| Copy/Fax Service (per page) | $1Not compared: Annual charge, not per item | per year | 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 13, 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 Alpena-Alcona Area Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
13 offices in 1 state (June 30, 2026)
Each dot is one office.
4 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Alpena, MI | 3 |
| Lincoln, MI | 2 |
| Oscoda, MI | 2 |
| Atlanta, MI | 1 |
| Cheboygan, MI | 1 |
| Ossineke, MI | 1 |
| Posen, MI | 1 |
| Rogers City, MI | 1 |
Largest competitors nearby
Local market: Alpena county, MI, around its headquarters.
| 7 in its local market | Deposit share |
|---|---|
| Nicolet National Bank | 46.7% |
| The Huntington National Bank | 39.8% |
| PNC Bank, National Association | 13.5% |
| Alpena Community Federal Credit Union | Credit union |
| H.P.C. Federal Credit Union | Credit union |
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.