Compared with Wisconsin
6 of 20
compared fees are above the median.
6 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
38th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Wisconsin median
of 20 compared; 6 below, 8 about the same
See the feesFee schedule read Oct 10, 2026
Call-report figures are for Madison 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 Wisconsin median | Published fees above the Wisconsin median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Madison 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 5.7% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (38th 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 $44K in Q2 2026, 2.3% above the same quarter a year earlier ($43K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 20 compared published fees sit above the Wisconsin median; 6 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 Wisconsin 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
Compared at $20, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Wisconsin, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 7.3% from Q3 2025 to Q2 2026, to $44K. Its share of revenue, 5.7%, is below the 7.2% median for credit unions with under $300M in assets.
$44K
Madison 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. *Monthly maintenance: Listed at $0 to $5; we compare the midpoint.
Madison Federal Credit Union · $65M 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 |
|---|---|---|---|---|---|---|---|
| Madison Federal Credit Union(this institution) | Madison, WI | $65M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| A.B.D. Federal Credit Union | Warren, MI | $67M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Banner Federal Credit Union | Phoenix, AZ | $65M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bopti Federal Credit Union | San Pedro, CA | $63M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cranberry Federal Credit Union | West Wareham, MA | $63M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Credit Union of Richmond Incorporat | Richmond, VA | $65M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Destinations Credit Union | Baltimore, MD | $65M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Doches Federal Credit Union | Nacogdoches, TX | $65M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Eagle Express Federal Credit Union | Jackson, MS | $67M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Federated Employees Federal Credit Union | Owatonna, MN | $67M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Fort Billings Federal Credit Union | Paulsboro, NJ | $64M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gp Louisiana Federal Credit Union | Zachary, LA | $66M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Healthcare Financial Federal Credit Union | New Haven, CT | $64M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lincoln Park Community Federal Credit Union | Lincoln Park, MI | $63M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lion'S Share Federal Credit Union | Salisbury, NC | $65M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Millard County Federal Credit Union | Fillmore, UT | $65M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Morehead Community Federal Credit Union | Morehead, KY | $65M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| One Vision Federal Credit Union | Clarksville, IN | $65M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rimrock Federal Credit Union | Billings, MT | $64M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| River Valley Community Federal Credit Union | Camden, AR | $64M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rolling F Federal Credit Union | Turlock, CA | $64M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sacred Heart Parish Hallettsville Federal Credit Union | Hallettsville, TX | $65M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Shell Western States Federal Credit Union | Martinez, CA | $66M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| South Bend Firefighters Federal Credit Union | South Bend, IN | $64M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Spokane City Federal Credit Union | Spokane, WA | $66M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Employees Federal Credit Union | Albert Lea, MN | $66M | 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 · 8 publish this fee(monthly maintenance)
17 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 $5 among 8 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 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 Madison 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 | $44K | +$4K | +10.0% |
| Q1 2026 | $40K | −$4K | −9.1% |
| Q4 2025 | $44K | +$3K | +7.3% |
| Q3 2025 | $41K | −$2K | −4.7% |
| Q2 2025 | $43K | −$2K | −4.4% |
| Q1 2025 | $45K | −$1K | −2.2% |
| Q4 2024 | $46K | −$7K | −13.2% |
| Q3 2024 | $53K | +$10K | +23.3% |
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, Madison 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 Madison Federal Credit Union by share.
Amounts from Madison Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Regular Checking (Share Draft) Account Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Balancing Assistance ($15 min.) | $15Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned Mail/No Forwarding Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF): Non-Member | $10Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Nonsufficient funds fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Replacement Card - Instant Issue | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Card - Mailed | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement card fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Replacement card fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Replacement card fee (ATM Card, if instant issue) | $15Below the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Foreign transactions | 0.8%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing within U.S | $18Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers: Outgoing outside U.S | $65Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Corporate Check Cancellation Fee | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $27Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Collection/Returned Item | $55Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Credit Card Cash Advance Fee | $3Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Returned Check Deposit | $10Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Garnishment Processing Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Gift Card | $3.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy / Reprint | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | 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 Madison 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
| Madison, WI | 1 |
Largest competitors nearby
Local market: Dane county, WI, around its headquarters.
| 39 in its local market | Deposit share |
|---|---|
| BMO Bank National Association | 12.6% |
| First Business Bank | 10.9% |
| Associated Bank, National Association | 10.6% |
| Lake Ridge Bank | 9.8% |
| U.S. Bank National Association | 7.5% |
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.