Compared with Ohio
9 of 15
compared fees are above the median.
4 below, 2 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
82nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Ohio median
of 15 compared; 4 below, 2 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for Middletown Area Schools 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 Ohio median | Published fees above the Ohio median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Middletown Area Schools Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 13% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (82nd 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 $21K in Q2 2026, 13% below the same quarter a year earlier ($24K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
9 of 15 compared published fees sit above the Ohio median; 4 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 Ohio medians for fees published by banks and credit unions.
NSF / Returned Item
Compared at $42, the middle of its prices
Non-Network ATM
Stop Payment
Compared at $46, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 13% from Q3 2025 to Q2 2026, to $21K. Its share of revenue, 13%, is above the 7.2% median for credit unions with under $300M in assets.
$21K
Middletown Area Schools 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.
Middletown Area Schools Federal Credit Union · $11M 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 13 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Middletown Area Schools Federal Credit Union(this institution) | Middletown, OH | $11M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Asa Federal Credit Union | Bloomfield, CT | $11M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ben E Keith Company Employees Federal Credit Union | Fort Worth, TX | $12M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Blue Flame Federal Credit Union | Mobile, AL | $11M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bradford Area Federal Credit Union | Bradford, PA | $11M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Circuit Federal Credit Union | Cheektowaga, NY | $11M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cmc-Fcpi Employees Federal Credit Union | Scranton, PA | $11M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gesb Sheet Metal Workers Federal Credit Union | Portage, IN | $12M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| I B E W Local 56 Federal Credit Union | Erie, PA | $11M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| I.B.E.W. Lu 66 Federal Credit Union | Pasadena, TX | $12M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Joliet Municipal Employees Federal Credit Union | joliet, IL | $11M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| K.C. Area Federal Credit Union | Kansas City, MO | $11M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Maternity B.V.M. Federal Credit Union | Bourbonnais, IL | $11M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Methodist Hospital Employees Federal Credit Union | Dallas, TX | $11M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northwest Missouri Regional Federal Credit Union | Maryville, MO | $11M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| P.I.E. Federal Credit Union | Houston, TX | $12M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Pba Federal Credit Union | Pine Bluff, AR | $11M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Pittsburgh Federal Credit Union | Pittsburgh, PA | $12M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Provident Federal Credit Union | Dover, DE | $12M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sing Sing Employees Federal Credit Union | Briarcliff Manor, NY | $11M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sorg Bay West Federal Credit Union | Middletown, OH | $12M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Star Tech Federal Credit Union | Greenwood Village, CO | $11M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tuskegee Federal Credit Union | Tuskegee, AL | $11M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Vatat Federal Credit Union | Austin, TX | $11M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Vickswood Federal Credit Union | Vicksburg, MS | $11M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Whitewater Community Federal Credit Union | harrison, OH | $11M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(domestic wire)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $22.50 among 16 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.
Domestic wire fee in dollars, one mark per institution
Middletown Area Schools Federal Credit Union does not publish a domestic wire 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 Middletown Area Schools 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 | $21K | −$1K | −4.5% |
| Q1 2026 | $22K | −$2K | −8.3% |
| Q4 2025 | $24K | $0 | 0.0% |
| Q3 2025 | $24K | $0 | 0.0% |
| Q2 2025 | $24K | +$4K | +20.0% |
| Q1 2025 | $20K | −$4K | −16.7% |
| Q4 2024 | $24K | +$3K | +14.3% |
| Q3 2024 | $21K | −$1K | −4.5% |
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, Middletown Area Schools 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 Middletown Area Schools Federal Credit Union by share.
Amounts from Middletown Area Schools Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
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per item
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per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| New membership closed within 90 days | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Acct. reconciliation | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad address fee | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Honor NSF item | $42Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF Fee | $38Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF Fee on ATM/Debit Card | $42Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Automatic Transfer from Overdraft Protection | $14Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Withdrawal | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Lost/Stolen Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| New or Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Official check | $4Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money order | $4Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| ACH Stop Payment | $50Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment on Share Draft | $42Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check cashing with account balance of < | $9Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Non-Member check cashing | $9Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Copy of Share Draft | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Member requests account to OD/cash advance when ACH credit is pending within 24 hours (at credit union discretion) | $50Above the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Returned Deposit Item | $42Above the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Drilling Fee | $165Not compared: Box drilling or key fee | Not stated | None |
| Key Replacement | $25Not compared: Box drilling or key fee | Not stated | None |
| Garnishment, levies, support payments | $20Below the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Other Fees | |||
| Copy of statement | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Send/Receive fax | $2Not compared: Charged per page; comparison unavailable | per page | None |
| Loan Application Processing Fee | $100Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Refinance CU loan fee | $5Below the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Skip-A-Pay | $50Above the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Oct 16, 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 Middletown Area Schools Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Middletown, OH | 1 |
| Mount Pleasant, WI | 1 |
Largest competitors nearby
Local market: Butler county, OH, around its headquarters.
| 27 in its local market | Deposit share |
|---|---|
| Fifth Third Bank, National Association | 27.3% |
| First Financial Bank | 24.3% |
| U.S. Bank National Association | 11.4% |
| JPMorgan Chase Bank, National Association | 10.6% |
| PNC Bank, National Association | 8.8% |
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.