17 published fees; none has a market median to compare yet.
Source: its fee schedule, read Mar 17, 2026.
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 Mar 17, 2026
Call-report figures are for Merco 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. | Merco Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Mar 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $387K in Q2 2026, 3.0% below the same quarter a year earlier ($399K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $2.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 7.0% from Q3 2025 to Q2 2026, to $387K.
$387K
Merco Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Merco Federal Credit Union · $207M 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Merco Federal Credit Union(this institution) | Merced, CA | $207M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Aac Federal Credit Union | Grand Rapids, MI | $212M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Access Community Federal Credit Union | Amarillo, TX | $211M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Aim Federal Credit Union | Dubuque, IA | $201M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Alta Vista Federal Credit Union | Redlands, CA | $209M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Awakon Federal Credit Union | Onaway, MI | $203M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Bluestone Federal Credit Union | Sioux Falls, SD | $206M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Federal Credit Union | Big Spring, TX | $202M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cooperative Choice Network Federal Credit Union | Peoria, IL | $206M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Denver Fire Department Federal Credit Union | Denver, CO | $214M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Duke University Federal Credit Union | Durham, NC | $203M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Financial Trust Federal Credit Union | Cheektowaga, NY | $203M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fire Police City County Federal Credit Union | Fort Wayne, IN | $207M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fitzsimons Federal Credit Union | Aurora, CO | $211M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Frontier Community Federal Credit Union | Leavenworth, KS | $210M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Choice Of Central Texas Federal Credit Union | Waco, TX | $213M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Members First Federal Credit Union | Brigham City, UT | $209M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Northern Hills Federal Credit Union | Sturgis, SD | $205M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Palisades Federal Credit Union | Pearl River, NY | $212M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Priority One Federal Credit Union | South Pasadena, CA | $206M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Railway Federal Credit Union | Mandan, ND | $212M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Red Wing Federal Credit Union | Red Wing, MN | $208M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southwest Montana Community Federal Credit Union | Anaconda, MT | $203M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Trunorth Federal Credit Union | Ishpeming, MI | $203M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| U. S. Employees O. C. Federal Credit Union | Oklahoma City, OK | $213M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| U.P. State Federal Credit Union | Escanaba, MI | $210M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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.
Peer pricing snapshot
Compared at $2.50, the middle of its two prices, against a peer median of $7.50 among 12 publishing peers.
Its two checking prices are $0 and $5.
$2.50 is a comparison price, not a fee anyone is charged.
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
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 26, 2026. Total assets from FDIC and NCUA records.
Call reports for Merco 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 | $387K | +$29K | +8.1% |
| Q1 2026 | $358K | −$69K | −16.2% |
| Q4 2025 | $427K | +$11K | +2.6% |
| Q3 2025 | $416K | +$17K | +4.3% |
| Q2 2025 | $399K | +$21K | +5.6% |
| Q1 2025 | $378K | −$13K | −3.3% |
| Q4 2024 | $391K | +$14K | +3.7% |
| Q3 2024 | $377K | +$20K | +5.6% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Merco Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per hour
per month
per month
per month
per item
per item · 8 checks, first set free to new accounts
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge (avg. daily bal less than $250) (2) (3) | $5 | per month | None |
| Personal Checking Monthly Fee | No charge | per month | None |
| Membership Close (if closed within 6 months of open) | $20 | Not stated | None |
| Dormant & Low Balance Account (1) (2) | $5 | Not stated | None |
| Account Research (per hour)/min. 1 hour | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excess Withdrawal (>3 per month) | $10Not compared: Monthly charge, not per item | per month | None |
| Returned Mail | $5 | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay Overdraft Paid per presentment (audience not stated, treated as personal) | $14 | per item | None |
| NSF Overdraft (Opt-in Required) per presentment | $14 | per item | None |
| NSF (recurring) per presentment | $14 | per item | None |
ATM & Card | |||
| Card Replacement | No charge | Not stated | None |
Wire Transfers | |||
| Wire Transfers Outgoing (Domestic) | $20 | Not stated | None |
| Wire Transfers Incoming (All) | $10 | Not stated | None |
| Wire Transfers Outgoing (Foreign) | $40 | Not stated | None |
Check Services | |||
| Official Check payable to 3rd party (3 per month free) | $5Not compared: Monthly charge, not per item | per month | None |
| Official Checks payable to 3rd parties (audience not stated, treated as personal) | $5 | Not stated | None |
| Money Order (3 per month free) | $5Not compared: Monthly charge, not per item | per month | None |
| Money Orders (audience not stated, treated as personal) | $5 | Not stated | None |
| ACH Stop Payments (ea.) | $20 | Not stated | None |
| DEPOSIT ACCOUNTS: Fee: Stop Payment (Check/Draft/ACH) 1 item or range | $20 | per item | None |
| Official Checks - Stop Payment | $20 | Not stated | None |
| Temporary Checks | $5 | per item | 8 checks, first set free to new accounts |
| Temporary Checks (8 checks) First set free to new accts | $5 | Not stated | None |
| Check Copies (2 copies per month free) | $3Not compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Returned Deposit Item (ea.) | $14 | Not stated | None |
Account Services | |||
| Levy/Garnishment (per notice) | $25 | per item | None |
| VOD's (Verification of Deposits) | $5 | Not stated | None |
Other Fees | |||
| Statement Copy (per statement period) | $3Not compared: Monthly charge, not per item | per month | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Mar 17, 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
We check once a day and send one email covering every change.