Compared with Michigan
0 of 1
compared fees are above the median.
1 below, 0 about the same.
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
58th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 1 compared; 1 below, 0 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for Pfcu 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. | Pfcu 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 8.9% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (58th 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 $1.2M in Q2 2026, 5.3% above the same quarter a year earlier ($1.2M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
0 of 1 compared published fees sit above the Michigan median; 1 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.
NSF / Returned Item
Monthly Maintenance
Non-Network ATM
Fee not identified in the reviewed schedule.
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 rose 4.5% from Q3 2025 to Q2 2026, to $1.2M. Its share of revenue, 8.9%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$1.2M
Pfcu 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.
Pfcu Federal Credit Union · $873M 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Pfcu Federal Credit Union(this institution) | Portland, MI | $873M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| All One Federal Credit Union | Leominster, MA | $881M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Ardent Federal Credit Union | Phila, PA | $869M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Atomic Federal Credit Union | Piketon, OH | $855M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Azura Federal Credit Union | Topeka, KS | $852M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Boulder Dam Federal Credit Union | Boulder City, NV | $872M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cedar Point Federal Credit Union | Lexington Park, MD | $906M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Central One Federal Credit Union | Shrewsbury, MA | $872M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cinfed Federal Credit Union | Cincinnati, OH | $863M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Communitywide Federal Credit Union | South Bend, IN | $874M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Heritage Federal Credit Union | Corning, NY | $840M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Heritage Family Federal Credit Union | Rutland, VT | $870M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hope Federal Credit Union | Jackson, MS | $881M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Idb Global Federal Credit Union | Washington, DC | $842M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Maine Savings Federal Credit Union | Hampden, ME | $858M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members First Federal Credit Union | Midland, MI | $905M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Merced School Employees Federal Credit Union | Merced, CA | $899M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mid Minnesota Federal Credit Union | Baxter, MN | $858M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oceanair Federal Credit Union | Oxnard, CA | $882M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pelican Federal Credit Union | Baton Rouge, LA | $885M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sacramento Federal Credit Union | Sacramento, CA | $858M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Skyone Federal Credit Union | Hawthorne, CA | $863M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southwest Airlines Federal Credit Union | Dallas, TX | $861M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sun Community Federal Credit Union | El Centro, CA | $896M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texas Bay Federal Credit Union | Houston, TX | $905M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Triangle Federal Credit Union | Nashua, NH | $866M | 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 · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.73 among 12 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 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Pfcu Federal Credit Union 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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Pfcu Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 32 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.2M | +$48K | +4.0% |
| Q1 2026 | $1.2M | −$57K | −4.6% |
| Q4 2025 | $1.2M | +$62K | +5.2% |
| Q3 2025 | $1.2M | +$9K | +0.8% |
| Q2 2025 | $1.2M | +$56K | +5.0% |
| Q1 2025 | $1.1M | −$114K | −9.2% |
| Q4 2024 | $1.2M | +$44K | +3.7% |
| Q3 2024 | $1.2M | +$91K | +8.3% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Pfcu 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 Pfcu Federal Credit Union by share.
Amounts from Pfcu Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Return Statement Fee (Bad Address) | $5 | Not stated | None |
Overdraft & NSF | |||
| PFCU charges the normal non-sufficient fund fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Rush Order Debit Card (2 day only available) | $10 | Not stated | None |
| International Service Assessment | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| WIRE OUT FEE - Wire Transfer - Outgoing (domestic) | $20 | Not stated | None |
| WIRE IN FEE - Wire Fee - Incoming | $5 | Not stated | None |
Check Services | |||
| Money Order | $2 | Not stated | None |
| Money Order (Ages 55+) | $0.50 | Not stated | None |
| STOP PAY FEE (Stop Payment Fee on Check or Money Order) | $25 | Not stated | None |
Account Services | |||
| Notary Fee | No charge | Not stated | None |
| Safe Deposit Replacement Key | $20Not compared: Box drilling or key fee | Not stated | None |
Other Fees | |||
| Photocopy (per page over 1 page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Payoff Request for Mortgages - Third Parties | $30 | Not stated | None |
per page
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| CLOSING FEE (Close Account within 90 days of opening) | $5 | Not stated | None |
| Dormant Account Fee (per month after 12 months) | $5 | per month | None |
| Account Reconciliation (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Statement Fee (Bad Address) | $5 | Not stated | None |
ATM & Card | |||
| ATM FEE - Non-PFCU ATM use (5 free per month) | $1.50 | Not stated | None |
| ATM/Debit Card Replacement | $10 | Not stated | None |
| Rush Order Debit Card (2 day only available) | $10 | Not stated | None |
Wire Transfers | |||
| WIRE OUT FEE - Wire Transfer - Outgoing (domestic) | $20 | Not stated | None |
| WIRE IN FEE - Wire Fee - Incoming | $5 | Not stated | None |
Check Services | |||
| Cashier’s Check | $3 | Not stated | None |
| Money Order | $2 | Not stated | None |
| Money Order (Ages 55+) | $0.50 | Not stated | None |
| Check Printing (per box - Ages 55+) | $6 | Not stated | None |
| STOP PAY FEE (Stop Payment Fee on Check or Money Order) | $25 | Not stated | None |
| Copy of a Check | $10 | Not stated | None |
| Copy of Check, Cashier’s Check, Money Order | $3 | Not stated | None |
Cash & Deposit | |||
| Return Check Fee | $10 | Not stated | None |
Account Services | |||
| Notary Fee | No charge | Not stated | None |
| Safe Deposit Box 10" x 10" | $50 | Not stated | None |
| Safe Deposit Box 3" x 10" | $25 | Not stated | None |
| Safe Deposit Box 3" x 5" | $10 | Not stated | None |
| Safe Deposit Box 5" x 10" | $35 | Not stated | None |
| Safe Deposit Box 6" x 10" | $40 | Not stated | None |
| Safe Deposit Box 9" x 10" | $45 | Not stated | None |
| Safe Deposit Replacement Key | $20Not compared: Box drilling or key fee | Not stated | None |
| Garnishment/Levy Processing | $75 | Not stated | None |
Lending Fees | |||
| Late Fee - Credit Card Late Payment | $25 | Not stated | None |
Other Fees | |||
| Copy of Account Statement | $5 | Not stated | None |
| Copy of Credit Card Statement | $5 | Not stated | None |
| Fax (per page after 5 pages) | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Photocopy (per page over 1 page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Loan Extension or Modification | $30 | Not stated | None |
| Payoff Request for Mortgages - Third Parties | $30 | 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 Pfcu Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
13 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
| Flint, MI | 2 |
| Caledonia, MI | 1 |
| Durand, MI | 1 |
| Ionia, MI | 1 |
| Lake Odessa, MI | 1 |
| Lansing, MI | 1 |
| Lowell, MI | 1 |
| Owosso, MI | 1 |
Largest competitors nearby
Local market: Ionia county, MI, around its headquarters.
| 6 in its local market | Deposit share |
|---|---|
| Independent Bank | 38.9% |
| Mercantile Bank | 31.5% |
| Union Bank | 15% |
| The Huntington National Bank | 9.4% |
| United Bank of Michigan | 5.2% |
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.