Compared with Michigan
3 of 18
compared fees are above the median.
11 below, 4 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
60th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 18 compared; 11 below, 4 about the same
See the feesFee 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) 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. | 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 8.6% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (60th 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 $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.
3 of 18 compared published fees sit above the Michigan median; 11 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)
Wire Transfer (Domestic Out)
Stop Payment
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. Its share of revenue, 8.6%, is above the 7.2% median for credit unions with under $300M in assets.
$150K
River Valley 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.
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% |
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, River Valley 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 River Valley Federal Credit Union by share.
Amounts from River Valley Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item · for 8 checks
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure - within 6 months | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account - 12 months no activity | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Checkbook Balancing | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| NSF - ACH, Check, or Overdraft Privilege | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Transfer | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Card Replacement - ATM, Debit or Credit | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| International Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer - Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer - Foreign | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Checks | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payments | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Starter or Temporary Checks | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | for 8 checks |
| Check Cashing | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Items - non-US funds | $2Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copies | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposit Item Return | $10Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Garnishment/Levy | $50Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| Subordination on Home Equity Loan | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy - 13 months or older | $7Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy - current to 12 months | $5Inside 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 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 River Valley 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
| Ada, MI | 1 |
| Edmore, MI | 1 |
| Lowell, MI | 1 |
Largest competitors nearby
Local market: Kent county, MI, around its headquarters.
| 35 in its local market | Deposit share |
|---|---|
| Northpointe Bank | 20.2% |
| Fifth Third Bank, National Association | 19.9% |
| The Huntington National Bank | 16% |
| JPMorgan Chase Bank, National Association | 9.5% |
| Mercantile Bank | 8.1% |
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.