Compared with Maryland
5 of 15
compared fees are above the median.
6 below, 4 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
87th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Maryland median
of 15 compared; 6 below, 4 about the same
See the feesFee schedule read Oct 17, 2026
Call-report figures are for Municipal Empl.Credit Union of Balt, 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 452 credit unions with $1B to $10B 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 Maryland median | Published fees above the Maryland median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Municipal Empl.Credit Union of Balt's published fee schedule; Bank Fee Index medians | Current schedule | Oct 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 11% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (87th 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 $2.2M in Q2 2026, 1.2% below the same quarter a year earlier ($2.2M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 15 compared published fees sit above the Maryland 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 Maryland medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $1.50, the middle of its prices
Overdraft (OD)
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 6.6% from Q3 2025 to Q2 2026, to $2.2M. Its share of revenue, 11%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$2.2M
Municipal Empl.Credit Union of BaltMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 452 credit unions with $1B to $10B 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 $0 to $3; we compare the midpoint.
Municipal Empl.Credit Union of Balt · $1.3B 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 |
|---|---|---|---|---|---|---|---|
| Municipal Empl.Credit Union of Balt(this institution) | Baltimore, MD | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Amplify Federal Credit Union | Austin, TX | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cobalt Federal Credit Union | Papillion, NE | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Diamond Federal Credit Union | Pottstown, PA | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dutrac Community Federal Credit Union | Dubuque, IA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Efcu Financial Federal Credit Union | Baton Rouge, LA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers Insurance Federal Credit Union | Los Angeles, CA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Five Star Federal Credit Union | Dothan, AL | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Guardian Federal Credit Union | Prattville, AL | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gulf Coast Educators Federal Credit Union | Pasadena, TX | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Harvard Federal Credit Union | Cambridge, MA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Los Angeles Federal Credit Union | Glendale, CA | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Orion Federal Credit Union | Memphis, TN | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pacific Service Federal Credit Union | Concord, CA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rave Financial Federal Credit Union | Beaumont, TX | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rev Federal Credit Union | Charleston, SC | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rize Federal Credit Union | El Monte, CA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sesloc Federal Credit Union | San Luis Obispo, CA | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sharonview Federal Credit Union | Fort Mill, SC | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sidney Federal Credit Union | Sidney, NY | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Silver State Schools Federal Credit Union | Las Vegas, NV | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Southland Federal Credit Union | Los Alamitos, CA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State Employees Federal Credit Union | Santa Fe, NM | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Truity Federal Credit Union | Bartlesville, OK | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wildfire Federal Credit Union | Saginaw, MI | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wright Patman Congressional Federal Credit Union | Washington, DC | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 15 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 27, 2026.
Monthly maintenance fee in dollars, one mark per institution
Municipal Empl.Credit Union of Balt does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Municipal Empl.Credit Union of Balt (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 | $2.2M | +$25K | +1.1% |
| Q1 2026 | $2.2M | −$67K | −3.0% |
| Q4 2025 | $2.2M | −$114K | −4.8% |
| Q3 2025 | $2.4M | +$130K | +5.8% |
| Q2 2025 | $2.2M | +$54K | +2.5% |
| Q1 2025 | $2.2M | −$166K | −7.1% |
| Q4 2024 | $2.3M | −$114K | −4.6% |
| Q3 2024 | $2.5M | +$128K | +5.5% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Municipal Empl.Credit Union of Balt left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Municipal Empl.Credit Union of Balt by share.
Amounts from Municipal Empl.Credit Union of Balt’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 | |||
| Account Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Mailed Paper Statement | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft / ATM Overdrawn Account | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| ATM Transaction fee at MECU and CO-OP ATMs | No chargeBelow the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Transaction fee for all others not listed above | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Lost ATM or Visa Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| ATM / Debit Card International Transaction | 1% | Not stated | None |
| ATM / Debit Card International Transaction (audience not stated, treated as personal) | 1% | Not stated | None |
Wire Transfers | |||
| Outbound Wire – Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Inbound Wire – Domestic | $8Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Official Check | $4Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment | $28Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Copy of Check | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| NSF / ACH Returned Items / Uncollected Funds | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Online Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Garnishments / Tax Levies / Attachments / Liens | $125Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Account Verification | $25Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Other Fees | |||
| Copy of Statement / History | $5Inside the U.S. middle 50% ($2 to $5 nationally) | 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
Oct 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.
Where Municipal Empl.Credit Union of Balt operates, and what regulators and customers have on file.
Branch footprint
10 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Baltimore, MD | 6 |
| Catonsville, MD | 1 |
| Dundalk, MD | 1 |
| Pikesville, MD | 1 |
| Randallstown, MD | 1 |
Largest competitors nearby
Local market: Baltimore city, Baltimore and Anne Arundel counties, MD, around its headquarters.
| 51 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 32.2% |
| Manufacturers and Traders Trust Company | 22% |
| Truist Bank | 9.6% |
| PNC Bank, National Association | 9.1% |
| Wells Fargo Bank, National Association | 7% |
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.