Compared with Michigan
3 of 16
compared fees are above the median.
9 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
91st percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 16 compared; 9 below, 4 about the same
See the feesFee schedule read Oct 22, 2026
Call-report figures are for South Central 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. | South Central Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 22, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 17% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (91st 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 $196K in Q2 2026, 11% above the same quarter a year earlier ($177K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 16 compared published fees sit above the Michigan median; 9 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
Overdraft (OD)
Wire Transfer (Domestic Out)
Compared at $15, the middle of its prices
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 21% from Q3 2025 to Q2 2026, to $196K. Its share of revenue, 17%, is above the 7.2% median for credit unions with under $300M in assets.
$196K
South Central 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.
South Central Federal Credit Union · $85M 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 |
|---|---|---|---|---|---|---|---|
| South Central Federal Credit Union(this institution) | Jackson, MI | $85M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1St Mississippi Federal Credit Union | Meridian, MS | $83M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| City Federal Credit Union | Amarillo, TX | $84M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union For Robertson County | Springfield, TN | $85M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Curis Financial Federal Credit Union | Columbia, SC | $84M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Dakota Plains Federal Credit Union | Lemmon, SD | $84M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Dynamic Federal Credit Union | Celina, OH | $83M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Great Meadow Federal Credit Union | Hudson Falls, NY | $84M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Limestone Financial Federal Credit Union | Manistique, MI | $83M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lower East Side People'S Federal Credit Union | New York, NY | $85M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Memorial Federal Credit Union | Houston, TX | $84M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Metro Medical Federal Credit Union | Dallas, TX | $83M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Postel Family Federal Credit Union | Wichita Falls, TX | $85M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Power Co-Op Employees Federal Credit Union | Humboldt, IA | $86M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Primesource Federal Credit Union | Spokane, WA | $84M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pwc Employees Federal Credit Union | Woodbridge, VA | $86M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Revity Federal Credit Union | Greensboro, NC | $83M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Rva Financial Federal Credit Union | Richmond, VA | $83M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sabattus Regional Federal Credit Union | Sabattus, ME | $85M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Spokane Firefighters Federal Credit Union | Spokane, WA | $86M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| State Police Credit Union Inc. | Meriden, CT | $84M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Technicolor Federal Credit Union | Burbank, CA | $83M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Triboro Postal Federal Credit Union | Flushing, NY | $84M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| U. S. Employees Federal Credit Union | Tomball, TX | $86M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Union Building Trades Federal Credit Union | Parsippany, NJ | $86M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Volt Federal Credit Union | Springfield, MO | $86M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 $4 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 Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
South Central 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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for South Central 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 | $196K | +$5K | +2.6% |
| Q1 2026 | $191K | −$8K | −4.0% |
| Q4 2025 | $199K | −$49K | −19.8% |
| Q3 2025 | $248K | +$71K | +40.1% |
| Q2 2025 | $177K | −$27K | −13.2% |
| Q1 2025 | $204K | −$4K | −1.9% |
| Q4 2024 | $208K | −$12K | −5.5% |
| Q3 2024 | $220K | +$16K | +7.8% |
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, South Central 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 South Central Federal Credit Union by share.
Amounts from South Central Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed Within 6 Months | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Share Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconciliation/Research (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Reg. D Excessive Transfer Fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft (Non-Sufficient Funds) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM/Debit Card Rush Order | $30Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Visa Card Rush Order | $17.25Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| International Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee (in or out) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fee (in or out) – 5 Star Member | $10Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Foreign Wire Fee | $30Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Starter Checks (minimum 4) | $2.50Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Copy of Cleared Check | $4Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Return Item | $15Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service: Member (audience not stated, treated as personal) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Service: Non-Member | $10Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Card – 5 Star Member | $3.50Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Visa Gift Card – General Member | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Statement & Account History Copies (per page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Skip-A-Payment Fee (1 per year per loan) | $35Not 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 22, 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 South Central Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Jackson, MI | 2 |
Largest competitors nearby
Local market: Jackson county, MI, around its headquarters.
| 15 in its local market | Deposit share |
|---|---|
| Flagstar Bank, National Association | 26.9% |
| Fifth Third Bank, National Association | 22.4% |
| County National Bank | 16.8% |
| The Huntington National Bank | 15.9% |
| Southern Michigan Bank & Trust | 4.2% |
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.