Compared with Iowa
4 of 22
compared fees are above the median.
10 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
42nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Iowa median
of 22 compared; 10 below, 8 about the same
See the feesFee schedule read Oct 10, 2026
Call-report figures are for Des Moines Metro 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 Iowa median | Published fees above the Iowa median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Des Moines Metro Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 10, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.1% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (42nd 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 $68K in Q2 2026, 1.4% below the same quarter a year earlier ($69K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 22 compared published fees sit above the Iowa median; 10 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 Iowa medians for fees published by banks and credit unions.
Deposited Item Return
Compared at $17.50, the middle of its prices
Overdraft (OD)
Non-Network ATM
Compared at $1, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Iowa, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 22% from Q3 2025 to Q2 2026, to $68K. Its share of revenue, 6.1%, is below the 7.2% median for credit unions with under $300M in assets.
$68K
Des Moines Metro 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. *Non-network ATM: Listed at $1 to $2; we compare the midpoint.
Des Moines Metro Federal Credit Union · $78M 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 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Des Moines Metro Federal Credit Union(this institution) | Des Moines, IA | $78M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| A.C.P.E. Federal Credit Union | Laramie, WY | $78M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bay Cities Credit Union | Hayward, CA | $78M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Churchill County Federal Credit Union | Fallon, NV | $77M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Columbine Federal Credit Union | Centennial, CO | $78M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union of Atlanta | Atlanta, GA | $79M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Eaton Family Federal Credit Union | Euclid, OH | $78M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Educational Community Federal Credit Union | Springfield, MO | $78M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ficare Federal Credit Union | Wesley Chapel, FL | $77M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Foundation Federal Credit Union | Springfield, MO | $77M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Freestone Federal Credit Union | Teague, TX | $77M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| G.A.P. Federal Credit Union | Johnstown, PA | $79M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Greater Metro Federal Credit Union | Long Island City, NY | $77M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Greater Pittsburgh Federal Credit Union | Pittsburgh, PA | $77M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hawaii Schools Federal Credit Union | Honolulu, HI | $79M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Kahului Federal Credit Union | Kahului, HI | $79M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Kbr Heritage Federal Credit Union | Houston, TX | $76M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kemba Roanoke Federal Credit Union | Salem, VA | $77M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members 1St Federal Credit Union | Saint Louis, MO | $76M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Miami University Community Federal Credit Union | Oxford, OH | $77M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Midwest Coalition Of Labor Federal Credit Union | Countryside, IL | $77M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| New York University Federal Credit Union | New York, NY | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Postcity Financial Federal Credit Union | Long Beach, CA | $79M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Safeway Federal Credit Union | Spokane, WA | $77M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Select Employees Federal Credit Union | Sterling, IL | $79M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Southern Federal Credit Union | Houston, TX | $76M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(out-of-network atm)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $1, the middle of its three prices, against a peer median of $1 among 10 publishing peers.
Its three prices are $1, $1 and $2.
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.
Out-of-network ATM fee in dollars, one mark per institution
Against this institution's out-of-network atm 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 Des Moines Metro 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 | $68K | +$7K | +11.5% |
| Q1 2026 | $61K | −$4K | −6.2% |
| Q4 2025 | $65K | −$22K | −25.3% |
| Q3 2025 | $87K | +$18K | +26.1% |
| Q2 2025 | $69K | +$6K | +9.5% |
| Q1 2025 | $63K | −$20K | −24.1% |
| Q4 2024 | $83K | −$9K | −9.8% |
| Q3 2024 | $92K | +$10K | +12.2% |
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, Des Moines Metro 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 Des Moines Metro Federal Credit Union by share.
Amounts from Des Moines Metro Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per month
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early account closing (before 6 months) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactivity closing fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account balancing and research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account research fee (electronic) | $20Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Account research fee (other) | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee (for members who join after 1-1-16) | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Incorrect address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft (NSF) for paid ACH or draft | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft transfer fee from MasterCard | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Overdraft transfer fee from savings | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM balance inquiry fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM W/D fee (outside Iowa) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM W/D fee (over 10 per month) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
Wire Transfers | |||
| Outgoing wire transfer (inside U.S.) | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming wire transfer | $8Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Certified corporate check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Corporate check to a third party | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money orders | $1.50Below 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) | per item | None |
| Temporary checks | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check cashing for members | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check cashing for non members | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign check collection | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Payer | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash advance fee | No chargeBelow the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Deposited Item Return | $10Inside the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
| Return deposit item – written on your account at another financial institution | $25Inside the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Non-member notary fee | $5Not compared: Charged per document; comparison unavailable | per document | None |
| Fee for 1 lost key | $15Not compared: Box drilling or key fee | Not stated | None |
| Administrative levy | $10Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Legal process fee | $25Below the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Account/statement copy printout | $5Not compared: Monthly charge, not per item | per month | None |
| Photocopies or reprints of transactions | $1Not compared: Charged per page; comparison unavailable | per page | None |
Oct 10, 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 Des Moines Metro 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
| Des Moines, IA | 1 |
Largest competitors nearby
Local market: Polk county, IA, around its headquarters.
| 50 in its local market | Deposit share |
|---|---|
| Principal Bank | 28.8% |
| Bankers Trust Company | 17.1% |
| Wells Fargo Bank, National Association | 10.1% |
| U.S. Bank National Association | 9.1% |
| Bank of America, National Association | 8.9% |
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.