Limestone Financial Federal Credit Union

Headquarters: Manistique, Michigan
Charter: Credit Union
Assets: $83.1M
Fed district: Minneapolis
Regulator: NCUA

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

Source: its fee schedule, read Nov 3, 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 3, 2026

How these figures are measured

Call-report figures are for Limestone 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) 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.	Limestone Financial Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 3, 2026

Fee income by quarter

Q1 2025 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Limestone Financial Federal Credit Union (credit union)
Period: Q1 2025 to Q2 2026, 6 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 $102K in Q2 2026, 1.9% below the same quarter a year earlier ($104K).
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)
Limestone Financial Federal Credit Union: $18
Limestone Financial Federal Credit Union: $18
U.S. median: no median
Non-Network ATM
Limestone Financial Federal Credit Union: $1
Limestone Financial Federal Credit Union: $1
U.S. median: no median
Stop Payment
Compared at $10, the middle of its prices
Limestone Financial Federal Credit Union: $5 to $10
Limestone Financial Federal Credit Union: $5 to $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Michigan, the Minneapolis 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).
Michigan: Banks and credit unions headquartered in Michigan that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 rose 5.2% from Q3 2025 to Q2 2026, to $102K.

Fee income, Q2 2026

$102K

$97KQ3 2025

$89KQ4 2025

$95KQ1 2026

$102KQ2 2026

Against the median

Limestone Financial 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

Limestone Financial Federal Credit Union · $83M 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.

Credit unions only
$82M to $85M in assets
Headquartered in 18 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
Limestone Financial Federal Credit Union(this institution)	Manistique, MI	$83M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
1St Mississippi Federal Credit Union	Meridian, MS	$83M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Armstrong Associates Federal Credit Union	Ford City, PA	$82M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
California Community Federal Credit Union	Sacramento, CA	$83M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
City Federal Credit Union	Amarillo, TX	$84M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Curis Financial Federal Credit Union	Columbia, SC	$84M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Dakota Plains Federal Credit Union	Lemmon, SD	$84M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Dynamic Federal Credit Union	Celina, OH	$83M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Forrit Federal Credit Union	Clackamas, OR	$82M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Great Meadow Federal Credit Union	Hudson Falls, NY	$84M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kemba Indianapolis Federal Credit Union	Indianapolis, IN	$82M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Lake Huron Federal Credit Union	Saginaw, MI	$82M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Memorial Federal Credit Union	Houston, TX	$84M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Metro Medical Federal Credit Union	Dallas, TX	$83M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Nikkei Federal Credit Union	Gardena, CA	$82M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Ou Federal Credit Union	Norman, OK	$83M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Primesource Federal Credit Union	Spokane, WA	$84M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Revity Federal Credit Union	Greensboro, NC	$83M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Rva Financial Federal Credit Union	Richmond, VA	$83M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
South Central Federal Credit Union	Jackson, MI	$85M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Police Credit Union Inc.	Meriden, CT	$84M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Technicolor Federal Credit Union	Burbank, CA	$83M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Triboro Postal Federal Credit Union	Flushing, NY	$84M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Uark Federal Credit Union	Fayetteville, AR	$82M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Valley Oak Federal Credit Union	Three Rivers, CA	$82M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Westport Federal Credit Union	Westport, MA	$82M	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 · 8 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Limestone Financial Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5.48 among 8 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 Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

Limestone Financial Feder…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 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 Limestone Financial Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q1 2025 to Q2 2026, standalone quarters · 6 quarters on file

Latest, Q2 2026: $102K
vs prior quarter: +$7K+7.4%; from Q1 2026
vs a year earlier: −$2K−1.9%; from Q2 2025
vs start of range: +$17K+20.0%; from Q1 2025

Details

Source: NCUA 5300 call report
Entity: Limestone Financial Federal Credit Union (credit union)
Period: Q1 2025 to Q2 2026, 6 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	$102K	+$7K	+7.4%
Q1 2026	$95K	+$6K	+6.7%
Q4 2025	$89K	−$8K	−8.2%
Q3 2025	$97K	−$7K	−6.7%
Q2 2025	$104K	+$19K	+22.4%
Q1 2025	$85K

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Dormant Account$25
Escheats Processing Fee$25
Account Research (excess of 30 min)$35
Monthly Account Reconciliation$5
Not compared: Monthly charge, not per item
per month
Bad Address Fee$10

Overdraft & NSF

Overdraft Protection Per Item (Courtesy Pay)$18
per item
Overdraft Protection Per Item (Courtesy Pay)$18
per item

ATM & Card

ATM Withdrawal/Transfer$1
per item
Replacement ATM/Debit Card$5
Plastic Card Rush Fee$30

Check Services

Cashiers Check Fee$2
Money Order$1.50
Cashiers Check Stop Payment/Replacement Fee$10
Money Order Stop Payment/Replacement Fee$10
Stop Payment Request$5
Starter Checks$5

Digital & Electronic

Bill Pay Inactive Fee$25

Cash & Deposit

Coin Machine10%
Returned Deposited Item$18

Account Services

Levy Garnishment Subpoena per item$25
per item
Verification of Deposits$25

Lending Fees

VISA Late Fee$15

Other Fees

Fax per page Incoming/Outgoing$1
per item
Statement Copy$2
Loan Processing Fee$45
Loan Processing Fee > $5000 unsecured$90

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$25	Not stated	None
Escheats Processing Fee	$25	Not stated	None
Account Research (excess of 30 min)	$35	Not stated	None
Monthly Account Reconciliation	$5Not compared: Monthly charge, not per item	per month	None
Bad Address Fee	$10	Not stated	None
Overdraft & NSF
Overdraft Protection Per Item (Courtesy Pay)	$18	per item	None
Overdraft Protection Per Item (Courtesy Pay)	$18	per item	None
ATM & Card
ATM Withdrawal/Transfer	$1	per item	None
Replacement ATM/Debit Card	$5	Not stated	None
Plastic Card Rush Fee	$30	Not stated	None
Check Services
Cashiers Check Fee	$2	Not stated	None
Money Order	$1.50	Not stated	None
Cashiers Check Stop Payment/Replacement Fee	$10	Not stated	None
Money Order Stop Payment/Replacement Fee	$10	Not stated	None
Stop Payment Request	$5	Not stated	None
Starter Checks	$5	Not stated	None
Digital & Electronic
Bill Pay Inactive Fee	$25	Not stated	None
Cash & Deposit
Coin Machine	10%	Not stated	None
Returned Deposited Item	$18	Not stated	None
Account Services
Levy Garnishment Subpoena per item	$25	per item	None
Verification of Deposits	$25	Not stated	None
Lending Fees
VISA Late Fee	$15	Not stated	None
Other Fees
Fax per page Incoming/Outgoing	$1	per item	None
Statement Copy	$2	Not stated	None
Loan Processing Fee	$45	Not stated	None
Loan Processing Fee > $5000 unsecured	$90	Not stated	None

Correct a fee source

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.

Fee change alerts

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