Compared with Michigan
8 of 22
compared fees are above the median.
5 below, 9 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 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 22 compared; 5 below, 9 about the same
See the feesFee schedule read Oct 13, 2026
Call-report figures are for Cornerstone Community Financial 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 569 credit unions with $300M to $1B 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 Michigan median | Published fees above the Michigan median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Cornerstone Community Financial Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 13, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.5% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B 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 $722K in Q2 2026, 2.6% above the same quarter a year earlier ($704K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 22 compared published fees sit above the Michigan median; 5 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 Michigan medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $5, the middle of its prices
NSF / Returned Item
Non-Network ATM
Compared at $1.63, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 4.5% from Q3 2025 to Q2 2026, to $722K. Its share of revenue, 8.5%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$722K
Cornerstone Community Financial 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 569 credit unions with $300M to $1B 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 $1.50 to $1.75; we compare the midpoint. Monthly maintenance: Listed at $5 to $35; we compare the midpoint.
Cornerstone Community Financial Federal Credit Union · $470M 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 |
|---|---|---|---|---|---|---|---|
| Cornerstone Community Financial Federal Credit Union(this institution) | Auburn Hills, MI | $470M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Alabama State Employees Federal Credit Union | Montgomery, AL | $471M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Aod Federal Credit Union | Bynum, AL | $467M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Baton Rouge Telco Federal Credit Union | Baton Rouge, LA | $458M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Canton School Employees Federal Credit Union | North Canton, OH | $462M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cascade Community Federal Credit Union | Roseburg, OR | $465M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Century Federal Credit Union | Independence, OH | $470M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cme Federal Credit Union | Columbus, OH | $481M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cu Hawaii Federal Credit Union | Hilo, HI | $460M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Earthmover Federal Credit Union | Aurora, IL | $472M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fedchoice Federal Credit Union | Lanham, MD | $469M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Healthcare Associates Federal Credit Union | Lisle, IL | $482M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Infuze Federal Credit Union | Fort Leonard Wood, MO | $457M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Federal Credit Union | Winston Salem, NC | $477M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Millbury Federal Credit Union | Millbury, MA | $468M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| North Star Community Federal Credit Union | Maddock, ND | $465M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| On Tap Federal Credit Union | Golden, CO | $474M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ouachita Valley Federal Credit Union | West Monroe, LA | $464M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Picatinny Federal Credit Union | Dover, NJ | $459M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Public Service Federal Credit Union | Romulus, MI | $468M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Suma Federal Credit Union | Yonkers, NY | $468M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Tidemark Federal Credit Union | Seaford, DE | $469M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Trona Valley Community Federal Credit Union | Green River, WY | $470M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wheelhouse Federal Credit Union | San Diego, CA | $460M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Widget Federal Credit Union | Erie, PA | $480M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Winsouth Federal Credit Union | Gadsden, AL | $479M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5, the middle of its four prices, against a peer median of $8 among 10 publishing peers.
Its four checking prices are $5, $5, $5 and $35.
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 Cornerstone Community Financial Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 50 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $722K | −$12K | −1.6% |
| Q1 2026 | $734K | −$36K | −4.7% |
| Q4 2025 | $770K | +$14K | +1.9% |
| Q3 2025 | $756K | +$52K | +7.4% |
| Q2 2025 | $704K | +$23K | +3.4% |
| Q1 2025 | $681K | −$21K | −3.0% |
| Q4 2024 | $702K | +$27K | +4.0% |
| Q3 2024 | $675K | +$37K | +5.8% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Cornerstone Community Financial 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 Cornerstone Community Financial Federal Credit Union by share.
Amounts from Cornerstone Community Financial 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 month
per month
per month
per item
per item
per month
per item
per item
per item
per item
per item · per 4 checks
per item
per transaction
per transaction
per page
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Fresh Start Checking Monthly Service Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Fresh Start Checking Monthly Service Fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Interest Checking Monthly Service Fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge not applicable to Fresh Start Checking members | $35Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Closing Fee | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Research Fee (minimum 1 hour) (audience not stated, treated as personal) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Money Order Research Fee | $10Inside the U.S. middle 50% ($7 to $25 nationally) | per item | None |
| Fresh Start Monthly Paper Statement Fee (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Monthly Paper Statement Fee (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Return/Bad Address Fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Returned Item 4 (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer Fee+ | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Balance Inquiries (audience not stated, treated as personal) | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Non-CO-OP ATM Transactions (audience not stated, treated as personal) | $1.75Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM/Debit Card Replacement - Rush Delivery | $35Not compared: Monthly charge, not per item | per month | None |
| Visa Replacement Card, Rush Delivery | $35Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer - Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Cashier’s Check Fee | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Fresh Start Checking Cashier’s Check Fee (audience not stated, treated as personal) | $2.20Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| ACH Stop Payment Fee (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Fee (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Check Fee | $4Inside the U.S. middle 50% ($1 to $4 nationally) | per item | per 4 checks |
| Check Cashing Fee 5+ | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Check Fee (audience not stated, treated as personal) | $6Below the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Draft Copies (audience not stated, treated as personal) | $15Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Draft Copy Fee (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Account Services | |||
| Lock Drill Fee (audience not stated, treated as personal) | $275Not compared: Box drilling or key fee | Not stated | None |
| Lost/Replacement Key Fee (audience not stated, treated as personal) | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10x10 | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per transaction | None |
| Safe Deposit Box 3x10 (audience not stated, treated as personal) | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x5 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5x10 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | per transaction | None |
| Garnishment and Levy Processing | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Completion of Request for Deposit Verification | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late Fee (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| History Inquiry Copy Fee (audience not stated, treated as personal) | $2Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy Fee (audience not stated, treated as personal) | $3Not compared: Charged per page; comparison unavailable | per page | None |
| Other Lending Fee | $50Above the U.S. middle 50% ($20 to $37.50 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
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive/Dormant Account 3 | $10 | Not stated | None |
| Account Balancing/Research Fee (min. 1 hr) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| CP Overdraft (Items paid using Courtesy Pay) | $30 | per item | None |
ATM & Card | |||
| ATM Surcharge Fee | $3.50 | Not stated | None |
| Replacement Card - FedEx to Different Address | $35 | Not stated | None |
Check Services | |||
| Corporate Check | $3Not compared: Monthly charge, not per item | per month | None |
| Cashing Money Orders | $5 | Not stated | None |
Cash & Deposit | |||
| Coin Sorting Fee | 5% | per month | None |
Account Services | |||
| Legal Processing (Subpoenas/Affidavits) | $75 | Not stated | None |
| Verification of Deposit | $10 | Not stated | None |
Oct 13, 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 Cornerstone Community Financial Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
9 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Auburn Hills, MI | 1 |
| Center Line, MI | 1 |
| Clinton Township, MI | 1 |
| Macomb, MI | 1 |
| Perrysburg, OH | 1 |
| Royal Oak, MI | 1 |
| Sterling Heights, MI | 1 |
| Toledo, OH | 1 |
Largest competitors nearby
Local market: Oakland county, MI, around its headquarters.
| 45 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 26.3% |
| Flagstar Bank, National Association | 14.8% |
| JPMorgan Chase Bank, National Association | 14.6% |
| Fifth Third Bank, National Association | 12.5% |
| PNC Bank, National Association | 12.4% |
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.