18 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 13, 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 Oct 13, 2026
Call-report figures are for River Valley 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. | River Valley 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 $150K in Q2 2026, 3.4% above the same quarter a year earlier ($145K).
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)
Wire Transfer (Domestic Out)
Stop Payment
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 4.5% from Q3 2025 to Q2 2026, to $150K.
$150K
River Valley Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
River Valley Federal Credit Union · $124M 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 |
|---|---|---|---|---|---|---|---|
| River Valley Federal Credit Union(this institution) | Ada, MI | $124M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Adventhealth Federal Credit Union | Altamonte Springs, FL | $125M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bp Federal Credit Union | Houston, TX | $124M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Brotherhood Federal Credit Union | Lynn, MA | $125M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Central Credit Union of Illinois | Bellwood, IL | $123M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Coconino Federal Credit Union | Flagstaff, AZ | $126M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| F R B Federal Credit Union | Washington, DC | $123M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Missouri Federal Credit Union | Saint Louis, MO | $125M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Governmental Employees Federal Credit Union | La Crosse, WI | $122M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Guthrie Community Federal Credit Union | Sayre, PA | $123M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ingersoll-Rand Federal Credit Union | Sayre, PA | $124M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kansas Teachers Community Federal Credit Union | Pittsburg, KS | $125M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Luso-American Federal Credit Union | Peabody, MA | $123M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Missouri Central Federal Credit Union | Lees Summit, MO | $123M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mutual First Federal Credit Union | Omaha, NE | $125M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| N A E Federal Credit Union | Chesapeake, VA | $126M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Nesc Federal Credit Union | Methuen, MA | $126M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Northern Communities Federal Credit Union | Duluth, MN | $124M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| One Source Federal Credit Union | El Paso, TX | $124M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Plus Federal Credit Union | Las Vegas, NV | $126M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Tarrant County'S Credit Union | Fort Worth, TX | $124M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Telco Plus Federal Credit Union | Longview, TX | $124M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Health & Education Federal Credit Union | Lexington, KY | $126M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Thinkwise Federal Credit Union | San Bernardino, CA | $123M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tomah Area Federal Credit Union | Tomah, WI | $126M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| United Savings Federal Credit Union | Fargo, ND | $125M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.75 among 12 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.
Monthly maintenance fee in dollars, one mark per institution
River Valley 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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for River Valley 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 | $150K | −$3K | −2.0% |
| Q1 2026 | $153K | −$11K | −6.7% |
| Q4 2025 | $164K | +$7K | +4.5% |
| Q3 2025 | $157K | +$12K | +8.3% |
| Q2 2025 | $145K | $0 | 0.0% |
| Q1 2025 | $145K | −$6K | −4.0% |
| Q4 2024 | $151K | −$4K | −2.6% |
| Q3 2024 | $155K | +$15K | +10.7% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from River Valley Federal Credit Union’s own schedules, with a source for each figure.
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure - within 6 months | $5 | Not stated | None |
| Dormant Account - 12 months no activity | $15 | per month | None |
| Checkbook Balancing | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| NSF - ACH, Check, or Overdraft Privilege | $25 | Not stated | None |
| Overdraft fee | $25 | per item | None |
| Overdraft Transfer | No charge | Not stated | None |
ATM & Card | |||
| Card Replacement - ATM, Debit or Credit | $5 | Not stated | None |
| International Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer - Domestic | $20 | Not stated | None |
| Wire Transfer - Foreign | $40 | Not stated | None |
Check Services | |||
| Cashier’s Checks | $3 | Not stated | None |
| Money Orders | $1 | Not stated | None |
| Stop Payments | $25 | Not stated | None |
| Starter or Temporary Checks | $2 | per item | for 8 checks |
| Check Cashing | $3 | Not stated | None |
| Collection Items - non-US funds | $2 | Not stated | None |
| Check Copies | $5 | Not stated | None |
Cash & Deposit | |||
| Deposit Item Return | $10 | Not stated | None |
Account Services | |||
| Garnishment/Levy | $50 | Not stated | None |
| Subordination on Home Equity Loan | $100 | Not stated | None |
Other Fees | |||
| Statement Copy - 13 months or older | $7 | Not stated | None |
| Statement Copy - current to 12 months | $5 | 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 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.
Fee change alerts
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