Compared with Missouri
3 of 15
compared fees are above the median.
4 below, 8 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
47th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Missouri median
of 15 compared; 4 below, 8 about the same
See the feesFee schedule read Oct 12, 2026
Call-report figures are for Missouri Central 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. | Missouri Central Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 12, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.7% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (47th 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 $125K in Q2 2026, 32% below the same quarter a year earlier ($184K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 15 compared published fees sit above the Missouri 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 Missouri medians for fees published by banks and credit unions.
Monthly Maintenance
Premier Checking
Can be waived with a balance of $500 or more.
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Missouri, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 11% from Q3 2025 to Q2 2026, to $125K. Its share of revenue, 6.7%, is below the 7.2% median for credit unions with under $300M in assets.
$125K
Missouri Central 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.
Missouri Central Federal Credit Union · $123M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Missouri Central Federal Credit Union(this institution) | Lees Summit, MO | $123M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Adventhealth Federal Credit Union | Altamonte Springs, FL | $125M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bp Federal Credit Union | Houston, TX | $124M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Brotherhood Federal Credit Union | Lynn, MA | $125M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Casco Federal Credit Union | Gorham, ME | $121M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Central Credit Union of Illinois | Bellwood, IL | $123M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| F R B Federal Credit Union | Washington, DC | $123M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Missouri Federal Credit Union | Saint Louis, MO | $125M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Governmental Employees Federal Credit Union | La Crosse, WI | $122M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Guthrie Community Federal Credit Union | Sayre, PA | $123M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ingersoll-Rand Federal Credit Union | Sayre, PA | $124M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kansas Teachers Community Federal Credit Union | Pittsburg, KS | $125M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Luso-American Federal Credit Union | Peabody, MA | $123M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Mutual First Federal Credit Union | Omaha, NE | $125M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| N A E Federal Credit Union | Chesapeake, VA | $126M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Nesc Federal Credit Union | Methuen, MA | $126M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Northern Communities Federal Credit Union | Duluth, MN | $124M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nova Federal Credit Union | Charlotte, NC | $121M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| One Source Federal Credit Union | El Paso, TX | $124M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| River Valley Federal Credit Union | Ada, MI | $124M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tarrant County'S Credit Union | Fort Worth, TX | $124M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Telco Plus Federal Credit Union | Longview, TX | $124M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Health & Education Federal Credit Union | Lexington, KY | $126M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Thinkwise Federal Credit Union | San Bernardino, CA | $123M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tomah Area Federal Credit Union | Tomah, WI | $126M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| United Savings Federal Credit Union | Fargo, ND | $125M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $5.48 among 10 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
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.
Call reports for Missouri Central 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 | $125K | +$16K | +14.7% |
| Q1 2026 | $109K | −$31K | −22.1% |
| Q4 2025 | $140K | −$1K | −0.7% |
| Q3 2025 | $141K | −$43K | −23.4% |
| Q2 2025 | $184K | +$94K | +104.4% |
| Q1 2025 | $90K | −$4K | −4.3% |
| Q4 2024 | $94K | +$1K | +1.1% |
| Q3 2024 | $93K | +$16K | +20.8% |
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, Missouri Central 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 Missouri Central Federal Credit Union by share.
Amounts from Missouri Central 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 | |||
| Premier Checking Monthly Service Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Reconciliation/Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| ACH Overdraft/NSF | $28Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft/NSF | $28Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft/NSF | $28Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Protection Transfer | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Replacement Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Domestic Wire Transfers | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| International Wire Transfers | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Orders- one-time | $28Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Orders- one-time(single item) or block of consecutive check numbers | $28Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing (Savings Balance Under W/ No Other Services) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Copies of Canceled Checks | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of MCCU Check | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Garnishment Processing | $50Inside the U.S. middle 50% ($30 to $85.63 nationally) | per item | None |
| IRS Levy Processing | $50Inside the U.S. middle 50% ($30 to $85.63 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Gift cards | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Statement Reprint | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 12, 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 Missouri Central Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Kansas City, MO | 1 |
| Lees Summit, MO | 1 |
Largest competitors nearby
Local market: Jackson county, MO, around its headquarters.
| 58 in its local market | Deposit share |
|---|---|
| UMB Bank, National Association | 58.4% |
| Commerce Bank | 11.9% |
| Lead Bank | 4.5% |
| Bank of America, National Association | 3.6% |
| U.S. Bank National Association | 3.2% |
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.