Members First Federal Credit Union

Headquarters: Brigham City, Utah
Charter: Credit Union
Assets: $209.1M
Fed district: San Francisco
Regulator: NCUA

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

Source: its fee schedule, read Nov 2, 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 Nov 2, 2026

How these figures are measured

Call-report figures are for Members First 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.	Members First Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Members First 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 $128K in Q2 2026, about level with the same quarter a year earlier ($128K).
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.

Overdraft (OD)
Members First Federal Credit Union: $25
Members First Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Members First Federal Credit Union: $25
Members First Federal Credit Union: $25
U.S. median: no median
Stop Payment
Members First Federal Credit Union: $25
Members First Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Utah, the San Francisco 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).
Utah: Banks and credit unions headquartered in Utah that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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 9.9% from Q3 2025 to Q2 2026, to $128K.

Fee income, Q2 2026

$128K

$142KQ3 2025

$127KQ4 2025

$121KQ1 2026

$128KQ2 2026

Against the median

Members First 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

Members First Federal Credit Union · $209M 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.

Credit unions only
$203M to $215M in assets
Headquartered in 14 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
Members First Federal Credit Union(this institution)	Brigham City, UT	$209M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
1St Liberty Federal Credit Union	Great Falls, MT	$214M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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
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
Beacon Federal Credit Union	La Porte, TX	$215M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	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
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
Merco Federal Credit Union	Merced, CA	$207M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	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
Okunity Federal Credit Union	Stillwater, OK	$215M	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 · 15 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Members First Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $7.50 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

Members First Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Members First Federal Cre…Peer (equal prices stack)Peer medianInclude $36.50 outlierShown past the axis break, not to scale, so the rest of the set has room.

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.

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 Members First 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: $128K
vs prior quarter: +$7K+5.8%; from Q1 2026
vs a year earlier: $00.0%; from Q2 2025
vs start of range: −$15K−10.5%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Members First 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	$128K	+$7K	+5.8%
Q1 2026	$121K	−$6K	−4.7%
Q4 2025	$127K	−$15K	−10.6%
Q3 2025	$142K	+$14K	+10.9%
Q2 2025	$128K	−$1K	−0.8%
Q1 2025	$129K	−$15K	−10.4%
Q4 2024	$144K	+$1K	+0.7%
Q3 2024	$143K	+$11K	+8.3%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Account Closure$5
Account: Reconciliation Research Activity Printout$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay$25
per item
Overdraft$25
per item
Overdraft: ACH Debit Card ATM$25
per item
NSF$25
per item
Returned Item$25
per item

ATM & Card

Card Replacement$10
per item

Wire Transfers

Wire Transfer - Outgoing: Domestic Foreign$15
per item

Check Services

Cashier's Check$1
per item
Stop Payment$25
per item
Items Sent For Collection$20
per item
Copy of Check$5
per item

Digital & Electronic

Unauthorized ACH Return Fee$5
per item
Online Bill PayNo charge

Cash & Deposit

Deposited Item Return$25
per item

Other Fees

Fax: Outgoing Incoming$1
per item
Photocopy$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closure	$5	Not stated	None
Account: Reconciliation Research Activity Printout	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay	$25	per item	None
Overdraft	$25	per item	None
Overdraft: ACH Debit Card ATM	$25	per item	None
NSF	$25	per item	None
Returned Item	$25	per item	None
ATM & Card
Card Replacement	$10	per item	None
Wire Transfers
Wire Transfer - Outgoing: Domestic Foreign	$15	per item	None
Check Services
Cashier's Check	$1	per item	None
Stop Payment	$25	per item	None
Items Sent For Collection	$20	per item	None
Copy of Check	$5	per item	None
Digital & Electronic
Unauthorized ACH Return Fee	$5	per item	None
Online Bill Pay	No charge	Not stated	None
Cash & Deposit
Deposited Item Return	$25	per item	None
Other Fees
Fax: Outgoing Incoming	$1	per item	None
Photocopy	$0.25	per item	None

Correct a fee source

Nov 2, 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

Get an email when Members First Federal Credit Union's wire transfer changes in our data

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