Compared with Missouri
4 of 10
compared fees are above the median.
5 below, 1 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
4th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Missouri median
of 10 compared; 5 below, 1 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for De Soto Mo Pac 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 Missouri median | Published fees above the Missouri median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | De Soto Mo Pac Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 0.8% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (4th 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 $3K in Q2 2026, about level with the same quarter a year earlier ($3K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 10 compared published fees sit above the Missouri median; 5 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 Missouri medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income was about level from Q3 2025 to Q2 2026, at $3K. Its share of revenue, 0.8%, is below the 7.2% median for credit unions with under $300M in assets.
$3K
De Soto Mo Pac 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.
De Soto Mo Pac Federal Credit Union · $31M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| De Soto Mo Pac Federal Credit Union(this institution) | De Soto, MO | $31M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Alcon Employees Federal Credit Union | Fort Worth, TX | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bakersfield City Employees Federal Credit Union | Bakersfield, CA | $30M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cincinnati Interagency Federal Credit Union | Cincinnati, OH | $31M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Financial Services Federal Credit Union | Roselle, NJ | $31M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cusa Federal Credit Union | Covington, LA | $31M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Elca Federal Credit Union | Chicago, IL | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ferko Md Federal Credit Union | Frederick, MD | $30M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Financial Health Federal Credit Union | Indianapolis, IN | $30M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Area Federal Credit Union | Lewistown, PA | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gates Chili Federal Credit Union | Rochester, NY | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Huntington C & O Railway Employees Federal Credit Union | Huntington, WV | $31M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| I B E W 26 Federal Credit Union | Lanham, MD | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Iowa Heartland Federal Credit Union | Mason City, IA | $30M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kenowa Community Federal Credit Union | Wyoming, MI | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Leominster Employees Federal Credit Union | Leominster, MA | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Manville Area Federal Credit Union | Manville, NJ | $30M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Meridian Mississippi Ang Federal Credit Union | Meridian, MS | $31M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Neighborhood Community Federal Credit Union | Omaha, NE | $31M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pinpoint Federal Credit Union | Milton, PA | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Postal Family Federal Credit Union | Fargo, ND | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sun Pacific Federal Credit Union | Richmond, CA | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Tennessee Employees Federal Credit Union | Nashville, TN | $31M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texas Community Federal Credit Union | Kingsville, TX | $30M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| United Energy Federal Credit Union | Humble, TX | $30M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Walton County Teachers Federal Credit Union | Defuniak Springs, FL | $30M | 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 · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 11 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 26, 2026.
Monthly maintenance fee in dollars, one mark per institution
De Soto Mo Pac 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 Oct 26, 2026. Total assets from FDIC and NCUA records.
Call reports for De Soto Mo Pac 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 | $3K | $0 | 0.0% |
| Q1 2026 | $3K | −$1K | −25.0% |
| Q4 2025 | $4K | +$1K | +33.3% |
| Q3 2025 | $3K | $0 | 0.0% |
| Q2 2025 | $3K | $0 | 0.0% |
| Q1 2025 | $3K | +$1K | +50.0% |
| Q4 2024 | $2K | $0 | 0.0% |
| Q3 2024 | $2K | $0 | 0.0% |
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, De Soto Mo Pac 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 De Soto Mo Pac Federal Credit Union by share.
Amounts from De Soto Mo Pac Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Overdraft & NSF | |||
| Debit Card Overdraft | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Share Draft or ACH Non-Sufficient Funds (Per Item, Returned) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM Withdrawals 1st 4 a month free then | $2.50Not compared: Monthly charge, not per item | per month | None |
| Replacement Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing for Non-Members | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Photocopy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Return Fee | $25Inside the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Returned Deposited Items | $25Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service | $3Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
Other Fees | |||
| Copies (per page) | $0.50Not compared: Charged per page; comparison unavailable | per page | None |
| Incoming fax (Per Page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Outgoing Fax - 1st page each additional page | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 11, 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 De Soto Mo Pac 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
| De Soto, MO | 1 |
Largest competitors nearby
Local market: Jefferson county, MO, around its headquarters.
| 25 in its local market | Deposit share |
|---|---|
| Enterprise Bank & Trust | 12.7% |
| First State Community Bank | 12% |
| U.S. Bank National Association | 11.5% |
| Midwest BankCentre | 10.1% |
| Commerce Bank | 10.1% |
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.