The Local Federal Credit Union

Headquarters: Sterling Heights, Michigan
Charter: Credit Union
Assets: $106.6M
Fed district: Chicago

14 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 21, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 21, 2026

How these figures are measured

Call-report figures are for The Local 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	The Local Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 21, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: The Local Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $220K in Q2 2026, 3.8% above the same quarter a year earlier ($212K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
The Local Federal Credit Union: $5
The Local Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
The Local Federal Credit Union: $30
The Local Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
The Local Federal Credit Union: $30
The Local Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Michigan: Banks and credit unions headquartered in Michigan that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income fell 11% from Q3 2025 to Q2 2026, to $220K.

Fee income, Q2 2026

$220K

$246KQ3 2025

$236KQ4 2025

$216KQ1 2026

$220KQ2 2026

Against the median

The Local Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

The Local Federal Credit Union · $107M 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 18 states.

Credit unions only
$104M to $109M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
The Local Federal Credit Union(this institution)	Sterling Heights, MI	$107M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Advanced Financial Federal Credit Union	New Providence, NJ	$107M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Advantage Federal Credit Union	Newton, IA	$106M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ascension Federal Credit Union	Gonzales, LA	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Bay Area Federal Credit Union	Oregon, OH	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cherokee Strip Federal Credit Union	Ponca City, OK	$106M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Civic Central Federal Credit Union	Jefferson City, MO	$105M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Farmway Federal Credit Union	Beloit, KS	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Watch Federal Credit Union	Abilene, TX	$105M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hawaii Federal Credit Union	Honolulu, HI	$104M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hibbing Cooperative Federal Credit Union	Hibbing, MN	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Kaiperm Federal Credit Union	Walnut Creek, CA	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ko`Olau Federal Credit Union	Kailua, HI	$104M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Lassen County Federal Credit Union	Susanville, CA	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Membersfirst Ct Federal Credit Union	Meriden, CT	$107M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Membersown Federal Credit Union	Lincoln, NE	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Money One Federal Credit Union	Largo, MD	$105M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Onenebraska Federal Credit Union	Columbus, NE	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Palco Fcu Federal Credit Union	Muncy, PA	$109M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Rancho Federal Credit Union	Downey, CA	$109M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Raritan Bay Federal Credit Union	Sayreville, NJ	$108M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Roanoke Valley Community Federal Credit Union	Roanoke, VA	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Rockdale Federal Credit Union	Rockdale, TX	$108M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Valley 1St Community Federal Credit Union	Monessen, PA	$107M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Vue Community Federal Credit Union	Bismarck, ND	$106M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Worcester Federal Credit Union	Worcester, MA	$107M	Monthly maintenance not published	Publishes Out-of-network ATM	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.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.48 (8.8%) below the median of similar-sized credit unions.

Its published price is $5, against a peer median of $5.48 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

The Local Federal Credit…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for The Local Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $220K
vs prior quarter: +$4K+1.9%; from Q1 2026
vs a year earlier: +$8K+3.8%; from Q2 2025
vs start of range: −$8K−3.5%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: The Local Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$220K	+$4K	+1.9%
Q1 2026	$216K	−$20K	−8.5%
Q4 2025	$236K	−$10K	−4.1%
Q3 2025	$246K	+$34K	+16.0%
Q2 2025	$212K	+$6K	+2.9%
Q1 2025	$206K	−$25K	−10.8%
Q4 2024	$231K	+$3K	+1.3%
Q3 2024	$228K	+$11K	+5.1%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from The Local Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$5
per month
Inactive for 3 months$5
per month
Inactive/Dormant Account$3
per month
Balancing Account/Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee or Unpaid Item$30
Non-Sufficient Funds/Returned Item-Unpaid/Overdrawn$30

ATM & Card

Replacement Card (ATM/Debit Card or VISA)$5

Wire Transfers

Wire Transfer Out / Wire Transfer In$25
per item
Foreign Wire Transfer Out / Foreign Wire Transfer In$45

Check Services

Stop Payment$30
Temporary Checks$2
varies · Per page
Check Cashing$3
Copy of Check$3

Digital & Electronic

ACH Origination Transfer$3

Account Services

Legal Services (Garnishment, Tax Levy, Injunctions, etc.)$50
Account Verification Verify Deposit$10

Other Fees

Replacement Statement Copy$2
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$5	per month	None
Inactive for 3 months	$5	per month	None
Inactive/Dormant Account	$3	per month	None
Balancing Account/Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee or Unpaid Item	$30	Not stated	None
Non-Sufficient Funds/Returned Item-Unpaid/Overdrawn	$30	Not stated	None
ATM & Card
Replacement Card (ATM/Debit Card or VISA)	$5	Not stated	None
Wire Transfers
Wire Transfer Out / Wire Transfer In	$25	per item	None
Foreign Wire Transfer Out / Foreign Wire Transfer In	$45	Not stated	None
Check Services
Stop Payment	$30	Not stated	None
Temporary Checks	$2	varies	Per page
Check Cashing	$3	Not stated	None
Copy of Check	$3	Not stated	None
Digital & Electronic
ACH Origination Transfer	$3	Not stated	None
Account Services
Legal Services (Garnishment, Tax Levy, Injunctions, etc.)	$50	Not stated	None
Account Verification Verify Deposit	$10	Not stated	None
Other Fees
Replacement Statement Copy	$2Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 21, 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.

Fee change alerts

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