Compared with Michigan
14 of 25
compared fees are above the median.
6 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
32nd percentile; peer median 5.1%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 25 compared; 6 below, 5 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Lake Michigan 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 22 credit unions with $10B to $50B 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. | Lake Michigan Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 3.3% of revenue, below the 5.1% median of 22 credit unions with $10B to $50B in assets (32nd 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 $8.6M in Q2 2026, 14% above the same quarter a year earlier ($7.6M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
14 of 25 compared published fees sit above the Michigan median; 6 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.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
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 4.3% from Q3 2025 to Q2 2026, to $8.6M. Its share of revenue, 3.3%, is below the 5.1% median for credit unions with $10B to $50B in assets.
$8.6M
Lake Michigan 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 22 credit unions with $10B to $50B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Lake Michigan Federal Credit Union · $17.3B 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 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Lake Michigan Federal Credit Union(this institution) | Grand Rapids, MI | $17.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alliant Federal Credit Union | Chicago, IL | $20B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Desert Financial Federal Credit Union | Phoenix, AZ | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Eastman Federal Credit Union | Kingsport, TN | $10.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Ent Federal Credit Union | Colorado Springs, CO | $19.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Esl Federal Credit Union | Rochester, NY | $10.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fourleaf Federal Credit Union | Bethpage, NY | $14.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Global Federal Credit Union | Anchorage, AK | $13B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Greenstate Federal Credit Union | North Liberty, IA | $10.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Idaho Central Federal Credit Union | Chubbuck, ID | $15.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Logix Federal Credit Union | Valencia, CA | $9.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Midflorida Federal Credit Union | Lakeland, FL | $9.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Onpoint Community Federal Credit Union | Portland, OR | $9.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Patelco Federal Credit Union | Dublin, CA | $9.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pennsylvania State Employees Federal Credit Union | Harrisburg, PA | $9.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Randolph-Brooks Federal Credit Union | Universal City, TX | $19.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Redwood Credit Union | Santa Rosa, CA | $10.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| San Diego County Federal Credit Union | San Diego, CA | $9.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Security Service Federal Credit Union | San Antonio, TX | $14.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Star One Federal Credit Union | Sunnyvale, CA | $9.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Suncoast Federal Credit Union | Tampa, FL | $20.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Teachers Federal Credit Union | Smithtown, NY | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| The Golden 1 Federal Credit Union | Sacramento, CA | $22.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Nations Federal Credit Union | Long Island City, NY | $10.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Vystar Federal Credit Union | Jacksonville, FL | $14.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Wright-Patt Credit Union, Inc. | Beavercreek, OH | $9.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.98 among 14 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 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Lake Michigan 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 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Lake Michigan 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 | $8.6M | +$408K | +5.0% |
| Q1 2026 | $8.2M | −$445K | −5.1% |
| Q4 2025 | $8.7M | +$391K | +4.7% |
| Q3 2025 | $8.3M | +$702K | +9.3% |
| Q2 2025 | $7.6M | −$140K | −1.8% |
| Q1 2025 | $7.7M | −$627K | −7.5% |
| Q4 2024 | $8.3M | −$667K | −7.4% |
| Q3 2024 | $9.0M | +$331K | +3.8% |
Financial cohort: 23 credit unions with $10B to $50B in assets filing for Q2 2026; 22 reported a share above 0% and are counted, Lake Michigan 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 Lake Michigan Federal Credit Union by share.
Amounts from Lake Michigan Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Investor Checking Account – Minimum Balance Fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closing (new account within 90 days) (audience not stated, treated as personal) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Closure Fee | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account (Charged after six months without account activity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment Fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Book Balancing | $20Not compared: Charged per hour; comparison unavailable | per hour | | Check Book Balancing | $20.00/hr. | |
| Checking Account Balancing Fee | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Undeliverable Mail Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Non-Proprietary ATM Fee | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Debit Card Replacement Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Domestic Wire Transfer | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Domestic Wire Transfer | $10Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| ## Wire Transfers: Domestic Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| International Wire Transfer | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| ## Wire Transfers: International Incoming | $15Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Cashier’s Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payments (Single & Series) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing for Non-Members | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Copy Fee | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay (audience not stated, treated as personal) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay Fee | $5.95Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Returned Item Fee | $10Inside the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $105Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 10 x 15 (audience not stated, treated as personal) | $125Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 10x10 (audience not stated, treated as personal) | $105Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10x15 (audience not stated, treated as personal) | $125Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 2 x 5 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2x5 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x10 (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x5 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5 (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x10 (audience not stated, treated as personal) | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x5 (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 7 x 10 (audience not stated, treated as personal) | $85Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 7x10 (audience not stated, treated as personal) | $85Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment/Levy | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Legal Processing Fee | $75Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
Retirement & IRA | |||
| IRA Transfer to Another Financial Institu | $35Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
| IRA Transfer to Another Financial Institution | $35Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| 4 Visa Gift Card | $4.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Statement Copies | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 1, 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 Lake Michigan Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
81 offices in 2 states (June 30, 2026)
Map coming soon
We are placing each office on the map from its address. 0 of 81 are placed so far; the map appears once most are.
Cities with the most offices
| Grand Rapids, MI | 16 |
| Naples, FL | 5 |
| Tampa, FL | 4 |
| Fort Myers, FL | 3 |
| Kalamazoo, MI | 3 |
| Muskegon, MI | 3 |
| Byron Center, MI | 2 |
| Caledonia, MI | 2 |
Largest competitors nearby
Local market: Kent and Ottawa counties, MI, around its headquarters.
| 37 in its local market | Deposit share |
|---|---|
| Fifth Third Bank, National Association | 20% |
| The Huntington National Bank | 17.2% |
| Northpointe Bank | 16.4% |
| JPMorgan Chase Bank, National Association | 9.3% |
| Macatawa Bank, National Association | 9.1% |
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.