Metropolitan Services Federal Credit Union

Headquarters: Saint Paul, Minnesota
Charter: Credit Union
Assets: $12.3M
Fed district: Minneapolis
Regulator: NCUA

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

Source: its fee schedule, read Oct 18, 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 18, 2026

How these figures are measured

Call-report figures are for Metropolitan Services 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.	Metropolitan Services Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 18, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Metropolitan Services 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 $11K in Q2 2026, 21% below the same quarter a year earlier ($14K).
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.

NSF / Returned Item
Metropolitan Services Federal Credit Union: $30
Metropolitan Services Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Metropolitan Services Federal Credit Union: $1
Metropolitan Services Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Metropolitan Services Federal Credit Union: $25
Metropolitan Services Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis 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).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 15% from Q3 2025 to Q2 2026, to $11K.

Fee income, Q2 2026

$11K

$13KQ3 2025

$14KQ4 2025

$11KQ1 2026

$11KQ2 2026

Against the median

Metropolitan Services 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

Metropolitan Services Federal Credit Union · $12M 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.

Credit unions only
$11M to $13M in assets
Headquartered in 19 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
Metropolitan Services Federal Credit Union(this institution)	Saint Paul, MN	$12M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
1St Kansas Federal Credit Union	Topeka, KS	$12M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Ben E Keith Company Employees Federal Credit Union	Fort Worth, TX	$12M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Circuit Federal Credit Union	Cheektowaga, NY	$11M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Espeeco Federal Credit Union	Bakersfield, CA	$12M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Fedmont Federal Credit Union	Montgomery, AL	$13M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gesb Sheet Metal Workers Federal Credit Union	Portage, IN	$12M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
I.B.E.W. Lu 66 Federal Credit Union	Pasadena, TX	$12M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
K.C. Area Federal Credit Union	Kansas City, MO	$11M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Kraftcor Federal Credit Union	Hawesville, KY	$12M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mississippi Highway Safty Pat Federal Credit Union	Jackson, MS	$13M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
North Carolina Press Association Federal Credit Union	Raleigh, NC	$12M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
P.I.E. Federal Credit Union	Houston, TX	$12M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Pittsburgh Federal Credit Union	Pittsburgh, PA	$12M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Provident Federal Credit Union	Dover, DE	$12M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Rapides General Hospital Empl Federal Credit Union	Alexandria, LA	$13M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Sorg Bay West Federal Credit Union	Middletown, OH	$12M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Springfield City Employees Federal Credit Union	Springfield, IL	$13M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Swemp Federal Credit Union	Texarkana, TX	$13M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Tompkins Employees Federal Credit Union	Ithaca, NY	$12M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Transfiguration Parish Federal Credit Union	Brooklyn, NY	$13M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
United Hospital Center Federal Credit Union	Bridgeport, WV	$13M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Valdosta Teachers Federal Credit Union	Valdosta, GA	$13M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Vickswood Federal Credit Union	Vicksburg, MS	$11M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Virginia State University Federal Credit Union	South Chesterfield, VA	$13M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Wakefern Federal Credit Union	Elizabeth, NJ	$12M	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 · 9 publish this fee(out-of-network atm)

16 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Out-of-network ATM is broadly aligned with similar-sized credit unions: within 1% of their median.

Its published price is $1, against a peer median of $1 among 9 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.

Out-of-network ATM fee in dollars, one mark per institution

Metropolitan Services Fed…Peer (equal prices stack)Peer medianInclude 4 outliers ($0.50, $0.75, $1.25, $2.50)Shown past the axis break, not to scale, so the rest of the set has room.

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.

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 Metropolitan Services 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: $11K
vs prior quarter: $00.0%; from Q1 2026
vs a year earlier: −$3K−21.4%; from Q2 2025
vs start of range: $00.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Metropolitan Services 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	$11K	$0	0.0%
Q1 2026	$11K	−$3K	−21.4%
Q4 2025	$14K	+$1K	+7.7%
Q3 2025	$13K	−$1K	−7.1%
Q2 2025	$14K	+$4K	+40.0%
Q1 2025	$10K	$0	0.0%
Q4 2024	$10K	−$1K	−9.1%
Q3 2024	$11K	$0	0.0%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Account Closing Fee$25
Abandoned Account Fee$25
Account Research/Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF Fee (non-sufficient funds)$30

ATM & Card

ATM Withdrawals (4 free/month)$1
per item
ATM and Debit Card Replacement Fee$10

Wire Transfers

Wire Transfer Fee (Domestic Only)$25

Check Services

Bill Payer Return/Stop Payment Fee$30
Stop Payment Fee$25
Stop Payment of Cashier’s Check$35
Check Cashing Fee (Savings Only)$5
Non-Member Check Cashing Fee$10
Photocopy of Cancelled Check$5

Digital & Electronic

ACH Origination$5
ACH Origination Return$30

Cash & Deposit

Coin Counting (for non-members)10%
Coin Counting (for non-members) (audience not stated, treated as personal)10%
Returned Deposit Item$35

Account Services

Garnishment/Levy Fee$25

Lending Fees

Loan Payment Late Fee (over 15 days)$25

Retirement & IRA

IRA Account Closing Fee$25

Other Fees

Statement Copy Fee$5
Consumer Loan Document Fee$35
Loan Modification Fee$35
Real Estate Loan Document Fee$100

Fee	Amount	Basis	Note
Account Maintenance
Account Closing Fee	$25	Not stated	None
Abandoned Account Fee	$25	Not stated	None
Account Research/Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF Fee (non-sufficient funds)	$30	Not stated	None
ATM & Card
ATM Withdrawals (4 free/month)	$1	per item	None
ATM and Debit Card Replacement Fee	$10	Not stated	None
Wire Transfers
Wire Transfer Fee (Domestic Only)	$25	Not stated	None
Check Services
Bill Payer Return/Stop Payment Fee	$30	Not stated	None
Stop Payment Fee	$25	Not stated	None
Stop Payment of Cashier’s Check	$35	Not stated	None
Check Cashing Fee (Savings Only)	$5	Not stated	None
Non-Member Check Cashing Fee	$10	Not stated	None
Photocopy of Cancelled Check	$5	Not stated	None
Digital & Electronic
ACH Origination	$5	Not stated	None
ACH Origination Return	$30	Not stated	None
Cash & Deposit
Coin Counting (for non-members)	10%	Not stated	None
Coin Counting (for non-members) (audience not stated, treated as personal)	10%	Not stated	None
Returned Deposit Item	$35	Not stated	None
Account Services
Garnishment/Levy Fee	$25	Not stated	None
Lending Fees
Loan Payment Late Fee (over 15 days)	$25	Not stated	None
Retirement & IRA
IRA Account Closing Fee	$25	Not stated	None
Other Fees
Statement Copy Fee	$5	Not stated	None
Consumer Loan Document Fee	$35	Not stated	None
Loan Modification Fee	$35	Not stated	None
Real Estate Loan Document Fee	$100	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 18, 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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