Compared with Wisconsin
1 of 10
compared fees are above the median.
4 below, 5 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
34th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Wisconsin median
of 10 compared; 4 below, 5 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for Racine Municipal Employees 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. | Racine Municipal Employees Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.0% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (34th 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 $17K in Q2 2026, 21% above the same quarter a year earlier ($14K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
1 of 10 compared published fees sit above the Wisconsin 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 Wisconsin medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Compared at $30, its standard fee, the highest of its prices
Non-Network ATM
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 fell 5.6% from Q3 2025 to Q2 2026, to $17K. Its share of revenue, 5.0%, is below the 7.2% median for credit unions with under $300M in assets.
$17K
Racine Municipal Employees 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. *Overdraft: Listed at $25 to $30; we compare the highest.
Racine Municipal Employees Federal Credit Union · $26M 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 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Racine Municipal Employees Federal Credit Union(this institution) | Racine, WI | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Beverly Municipal Federal Credit Union | Beverly, MA | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Center City Community Federal Credit Union | Buena Park, CA | $26M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central Illinois Federal Credit Union | Champaign, IL | $26M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Concho Valley Federal Credit Union | San Angelo, TX | $26M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Construction Federal Credit Union | Bingham Farms, MI | $26M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| County Federal Credit Union | Clayton, MO | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dowagiac Area Federal Credit Union | Dowagiac, MI | $26M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Elite Community Federal Credit Union | Bourbonnais, IL | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Energize Federal Credit Union | Oklahoma City, OK | $25M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Family Community Federal Credit Union | Charles City, IA | $26M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Farm Bureau Family Federal Credit Union | Lansing, MI | $27M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Healthcare Services Federal Credit Union | Chattanooga, TN | $26M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Howard County Education Federal Credit Union | Ellicott City, MD | $25M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Legacy Federal Credit Union | Joplin, MO | $25M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Lockport Schools & Community Federal Credit Union | Lockport, NY | $26M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Michigan Coastal Federal Credit Union | Muskegon, MI | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mycom Federal Credit Union | Pittsfield, MA | $27M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Norfolk Fire Department Federal Credit Union | Norfolk, VA | $27M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Onomea Federal Credit Union | Papaikou, HI | $26M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Reliance Federal Credit Union | Kansas City, KS | $25M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Shared Resources Federal Credit Union | Pasadena, TX | $25M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texhillco School Employees Federal Credit Union | Kerrville, TX | $27M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| The Local Federal Credit Union | Dallas, TX | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Westside Community Federal Credit Union | Churchville, NY | $26M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Worcester Police Department Federal Credit Union | Worcester, MA | $25M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ 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.
Peer pricing snapshot
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 Nov 1, 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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Racine Municipal Employees 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 | $17K | $0 | 0.0% |
| Q1 2026 | $17K | +$2K | +13.3% |
| Q4 2025 | $15K | −$3K | −16.7% |
| Q3 2025 | $18K | +$4K | +28.6% |
| Q2 2025 | $14K | −$1K | −6.7% |
| Q1 2025 | $15K | −$3K | −16.7% |
| Q4 2024 | $18K | +$1K | +5.9% |
| Q3 2024 | $17K | +$1K | +6.3% |
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, Racine Municipal Employees 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 Racine Municipal Employees Federal Credit Union by share.
Amounts from Racine Municipal Employees Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant/Inactive Account | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing or Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Bill Pay NSF/Overdraft | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft due to ATM/Debit Transaction | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Negotiated Returned Check | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) Returned Item | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Savings and Sub Shares NSF (Returned Item) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer from Savings | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Savings and Sub Shares Overdraft Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Withdrawals (5 Free Per Month) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement ATM/Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Checks & Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Bill Pay Stop/Cancel Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Cashier’s Check or Money Order | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Request | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Copy of Paid Check | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay Payments -3 FREE payments per month | $1Not compared: Per-item charge, not monthly | per item | None |
Other Fees | |||
| Statement Copies | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Nov 3, 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 Racine Municipal Employees 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
| Racine, WI | 1 |
Largest competitors nearby
Local market: Racine county, WI, around its headquarters.
| 15 in its local market | Deposit share |
|---|---|
| Johnson Bank | 36% |
| Community State Bank | 10.4% |
| BMO Bank National Association | 9.9% |
| Town Bank, National Association | 8.2% |
| Associated Bank, National Association | 6.3% |
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.