Compared with Michigan
2 of 19
compared fees are above the median.
12 below, 5 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
29th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 19 compared; 12 below, 5 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for Alpena Community 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. | Alpena Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 4.3% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (29th 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 $18K in Q2 2026, 50% above the same quarter a year earlier ($12K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 19 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.
NSF / Returned Item
Overdraft (OD)
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 rose 13% from Q3 2025 to Q2 2026, to $18K. Its share of revenue, 4.3%, is below the 7.2% median for credit unions with under $300M in assets.
$18K
Alpena Community 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.
Alpena Community Federal Credit Union · $36M 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 |
|---|---|---|---|---|---|---|---|
| Alpena Community Federal Credit Union(this institution) | Alpena, MI | $36M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alpha Federal Credit Union | Boston, MA | $35M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Brazos Star Federal Credit Union | College Station, TX | $36M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chen-Del-O Federal Credit Union | Franklin, NY | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community Link Federal Credit Union | Huntington, IN | $36M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Ct Firefighters Federal Credit Union | Hartford, CT | $35M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| El Monte Community Federal Credit Union | El Monte, CA | $34M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Eweb Employees Federal Credit Union | Eugene, OR | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fox Federal Credit Union | Los Angeles, CA | $37M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Knoxville Firefighters Federal Credit Union | Knoxville, TN | $37M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Koin Federal Credit Union | Brentwood, TN | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Matagorda County Federal Credit Union | Bay City, TX | $36M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meadowland Federal Credit Union | Sheboygan Falls, WI | $36M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Montana Educators' Federal Credit Union | Missoula, MT | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northwestern Energy Employees Federal Credit Union | Butte, MT | $35M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Nsp Federal Credit Union | Maplewood, MN | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| O And R Utilities Employees Federal Credit Union | Monroe, NY | $35M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Outreach Federal Credit Union | Hermitage, TN | $35M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Postal Employees Federal Credit Union | Yardville, NJ | $36M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Reliance Federal Credit Union | King of Prussia, PA | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| School District 3 Federal Credit Union | Colorado Springs, CO | $36M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Service Plus Federal Credit Union | Moline, IL | $35M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Steuben Citizens Federal Credit Union | Bath, NY | $36M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Transport Federal Credit Union | Tampa, FL | $36M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wcu Credit Union | Decatur, AL | $36M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wichita Falls Federal Credit Union | Wichita Falls, TX | $36M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(domestic wire)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $15, against a peer median of $25 among 18 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 27, 2026.
Domestic wire fee in dollars, one mark per institution
Against this institution's domestic wire fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Alpena Community 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 | $18K | $0 | 0.0% |
| Q1 2026 | $18K | −$1K | −5.3% |
| Q4 2025 | $19K | +$3K | +18.8% |
| Q3 2025 | $16K | +$4K | +33.3% |
| Q2 2025 | $12K | +$4K | +50.0% |
| Q1 2025 | $8K | −$1K | −11.1% |
| Q4 2024 | $9K | −$2K | −18.2% |
| Q3 2024 | $11K | −$1K | −8.3% |
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, Alpena Community 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 Community Federal Credit Union by share.
Amounts from Alpena Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Account Research / Reconciliation Fee | $20.00 per hour
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Escheat Fee | $100Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Monthly Dormant Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research / Reconciliation Fee | $20Not compared: Charged per hour; comparison unavailable | per hour | Account Research / Reconciliation Fee | $20.00 per hour |
Overdraft & NSF | |||
| Overdraft Fee (Per Draft) | $5Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Check Returned (Individual) | $5Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Replacement Card (ATM/Debit/Visa) | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement ATM/Debit Rush Order | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee (Outgoing) Domestic | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fee (Incoming) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Fee (Outgoing) Foreign | $35Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Checks | $1.50Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $0.75Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| ACH Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Starter Checks (1 Sheets FREE with new Share Draft Account) | No chargeBelow the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Starter Checks (Sheet of 4) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Foreign Check/Draft Fee | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Copies of Cleared Drafts (4 OR MORE) | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Origination Changes | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Origination Start Up Fees | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Return (per presentment) | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Account Services | |||
| Member Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Non-Member Notary Service | $10Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnishment Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Gift Cards | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Copies (per page) | $0.25Not compared: Charged per page; comparison unavailable | per page | Copies (per page) | $0.25 |
| Fax (per page) | $0.50Not compared: Charged per page; comparison unavailable | per page | Fax (per page) | $0.50 |
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Account Research / Reconciliation Fee | $20.00 per hour
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Escheat Fee | $100Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Monthly Dormant Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research / Reconciliation Fee | $20Not compared: Charged per hour; comparison unavailable | per hour | Account Research / Reconciliation Fee | $20.00 per hour |
Overdraft & NSF | |||
| Overdraft Fee (Per Draft) | $5Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Check Returned (Business) | $5 | Not stated | None |
ATM & Card | |||
| Replacement Card (ATM/Debit/Visa) | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement ATM/Debit Rush Order | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee (Outgoing) Domestic | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fee (Incoming) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Fee (Outgoing) Foreign | $35Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Checks | $1.50Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $0.75Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| ACH Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Starter Checks (1 Sheets FREE with new Share Draft Account) | No chargeBelow the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Starter Checks (Sheet of 4) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Foreign Check/Draft Fee | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Copies of Cleared Drafts (4 OR MORE) | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Origination Changes | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Origination Start Up Fees | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Return (per presentment) | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Account Services | |||
| Member Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Non-Member Notary Service | $10Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnishment Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Gift Cards | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Copies (per page) | $0.25Not compared: Charged per page; comparison unavailable | per page | Copies (per page) | $0.25 |
| Fax (per page) | $0.50Not compared: Charged per page; comparison unavailable | per page | Fax (per page) | $0.50 |
Oct 31, 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 Community Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Alpena, 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-Alcona Area 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.