Compared with Washington
4 of 14
compared fees are above the median.
7 below, 3 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
55th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Washington median
of 14 compared; 7 below, 3 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for American Lake 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 Washington median | Published fees above the Washington median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | American Lake Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.0% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (55th 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 $73K in Q2 2026, 30% above the same quarter a year earlier ($56K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 14 compared published fees sit above the Washington median; 7 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 Washington medians for fees published by banks and credit unions.
Monthly Maintenance
Compass Essential Checking $4 · Money Plus Checking $5 · Compass Advantage Checking $6 · Compass Reserve Checking $8
Compared at $5.50, the middle of its prices
Overdraft (OD)
Compared at $30, its standard fee, the highest of its prices
NSF / Returned Item
Compared at $25, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Washington, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 30% from Q3 2025 to Q2 2026, to $73K. Its share of revenue, 8.0%, is above the 7.2% median for credit unions with under $300M in assets.
$73K
American Lake 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 $20 to $30; we compare the highest. Monthly maintenance: Listed at $4 to $8; we compare the midpoint.
American Lake Federal Credit Union · $60M 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 |
|---|---|---|---|---|---|---|---|
| American Lake Federal Credit Union(this institution) | Lakewood, WA | $60M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Acclaim Federal Credit Union | Greensboro, NC | $60M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Baton Rouge City Parish Emp Federal Credit Union | Baton Rouge, LA | $58M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Buffalo Conrail Federal Credit Union | Cheektowaga, NY | $61M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Pioneers Federal Credit Union | Lafayette, LA | $61M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gratiot Community Federal Credit Union | Alma, MI | $60M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Green River Area Federal Credit Union | Owensboro, KY | $60M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Horizon Federal Credit Union | Macon, MO | $59M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Horizon Federal Credit Union | Kingsport, TN | $60M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jackson Area Federal Credit Union | Jackson, MS | $61M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lm Federal Credit Union | Baltimore, MD | $60M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Loco Federal Credit Union | Alamogordo, NM | $61M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Loudoun Credit Union | Leesburg, VA | $60M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merho Federal Credit Union | Johnstown, PA | $61M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Metco Federal Credit Union | Cedar Rapids, IA | $59M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mill Town Federal Credit Union | Everett, WA | $60M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Motion Federal Credit Union | Linden, NJ | $60M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| My Federal Credit Union | Haslet, TX | $58M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| New Century Federal Credit Union | Joliet, IL | $60M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Nordstrom Federal Credit Union | Everett, WA | $60M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Notre Dame Community Federal Credit Union | Fall River, MA | $58M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pennstar Federal Credit Union | Hermitage, PA | $59M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Promedica Federal Credit Union | Toledo, OH | $60M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Remington Federal Credit Union | Ilion, NY | $60M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Rt Federal Credit Union | Rome, NY | $59M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Summit Federal Credit Union | Akron, OH | $59M | 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(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5.50, the middle of its four prices, against a peer median of $4.63 among 9 publishing peers.
Its four checking prices are $4, $5, $6 and $8.
$5.50 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 26, 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 26, 2026. Total assets from FDIC and NCUA records.
Call reports for American Lake 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 | $73K | +$14K | +23.7% |
| Q1 2026 | $59K | +$6K | +11.3% |
| Q4 2025 | $53K | −$3K | −5.4% |
| Q3 2025 | $56K | $0 | 0.0% |
| Q2 2025 | $56K | −$2K | −3.4% |
| Q1 2025 | $58K | −$2K | −3.3% |
| Q4 2024 | $60K | −$3K | −4.8% |
| Q3 2024 | $63K | −$3K | −4.5% |
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, American Lake 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 American Lake Federal Credit Union by share.
Amounts from American Lake 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 month
per month
per item
per item
per transaction
per item
per transaction
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Compass Advantage Checking Maintenance Fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Compass Essential Checking Maintenance Fee | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Compass Reserve Checking Maintenance Fee | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Money Plus Checking Maintenance Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Returned Statement Fee | $3Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Courtesy Pay Fee | $20Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Courtesy Pay Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per transaction | None |
| Non-Sufficient Funds (NSF) | $20Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Non-Sufficient Funds (NSF) – Returned | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per transaction | None |
| Returned item fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Replacement card fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| International Service Assessment | 1%of the transaction | Not stated | None |
Check Services | |||
| Cashier's Checks | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Cashier’s Checks | $1Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| To place a stop payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Foreign Check Exchange Cost of collection passed on to member: Wire Transfers | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Fee for photocopy of corporate check | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| One Time ACH Origination | $25Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Cash & Deposit | |||
| Loose Coin Counting (audience not stated, treated as personal) | 5% | Not stated | None |
| Returned Deposit Items | $25Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Nonmember Notary Fee | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Processing levies and garnishments | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Other Fees | |||
| Account | $2.50Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copies of Statements, History Print Out | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | 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 16, 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 American Lake Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 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
| Lakewood, WA | 1 |
| Tacoma, WA | 1 |
Largest competitors nearby
Local market: Pierce county, WA, around its headquarters.
| 29 in its local market | Deposit share |
|---|---|
| Columbia Bank | 32.5% |
| Bank of America, National Association | 14% |
| JPMorgan Chase Bank, National Association | 10.5% |
| Wells Fargo Bank, National Association | 9.9% |
| KeyBank National Association | 8.5% |
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.