What is the average credit union fee income per member?

The median across 4,299 credit unions was $53 in the Q2 2026 call reports. Among credit unions with $100 million or more in assets, the middle half ran from $52 to $105.

Is a higher fee income per member better?

No. For fee income per member, lower is better for members, all else equal. Compare it with credit unions of the same size, since size and lending mix drive it.

How is fee income per member calculated?

Fee income, annualized, divided by current members. Source accounts on NCUA's 5300 call report: ACCT_131 (fee income); ACCT_083 (members).

Which credit union has the lowest fee income per member?

McBryde Federal Credit Union of Eleele, HI, at $0 in Q2 2026, under the rules of the national ranking.

Earnings · Q2 2026 call reports

Credit union fee income per member

Annualized fee income divided by members. Lower means members pay less in fees on average. The median across all 4,299 credit unions reporting it was $53 for the quarter ended June 30, 2026. Among those with $100 million or more in assets, the middle half ran from $52 to $105 (median $77).

Why it matters

Fee income per member is a rough guide to how much an average member pays in fees each year. Lower is better for members.

How it is calculated

Fee income, annualized, divided by current members.

NCUA 5300 call report accounts: ACCT_131 (fee income) · ACCT_083 (members). Methodology

How credit unions are spread

1,820 credit unions with $100 million or more in assets. Shaded: the middle half. Line: the median. The most extreme 1% at each end (38 credit unions) are left off the chart.

By NCUA peer group

Assets	Count	25th pct	Median	75th pct
Under $2 million in assets	232	$0	$2	$8
$2 million to $10 million	539	$2	$11	$27
$10 million to $50 million	1,135	$19	$40	$71
$50 million to $100 million	573	$37	$59	$93
$100 million to $500 million	1,061	$51	$76	$105
$500 million and up	759	$52	$78	$106

Lowest fee income per member

Using the rules of the national ranking. See the top 100.

McBryde Federal Credit Union Eleele, HI $0
Cleveland Selfreliance Federal Credit Union Parma, OH $0
Aflac Federal Credit Union Columbus, GA $1
Tinker Federal Credit Union Oklahoma City, OK $1
San Joaquin Power Employees Credit Union Fresno, CA $3
Long Beach Firemen S Credit Union Long Beach, CA $4
Conservation Employees Credit Union Jefferson City, MO $5
Tacoma Longshoremen Credit Union Tacoma, WA $5
Next Step Federal Credit Union Troy, NY $5
Santa Barbara Teachers Federal Credit Union Santa Barbara, CA $6

Highest fee income per member

Lafayette Federal Credit Union Rockville, MD $620
Bluestone Federal Credit Union Sioux Falls, SD $471
Pioneer Mutual Federal Credit Union Sugar Land, TX $383
Gulf Coast Community Federal Credit Union Gulfport, MS $357
Platinum Federal Credit Union Duluth, GA $313
Community South Credit Union Chipley, FL $294
Aspen Federal Credit Union Rapid City, SD $294
OnPath Federal Credit Union Metairie, LA $276
Five Star Credit Union Dothan, AL $275
Geovista Federal Credit Union Hinesville, GA $273

Median by state

Credit unions headquartered in each state, with $100 million or more in assets; states with at least three.

State	Median	Count
Puerto Rico	$32	3
California	$54	150
District of Columbia	$55	11
Arkansas	$55	5
Hawaii	$56	25
New York	$59	91
Colorado	$60	37
Oregon	$60	29
Massachusetts	$61	58
Wisconsin	$63	49
West Virginia	$63	11
Illinois	$64	53
North Carolina	$64	26
Wyoming	$64	11
Rhode Island	$65	8
Minnesota	$65	43
Delaware	$68	6
Connecticut	$68	21
Pennsylvania	$69	86
Iowa	$69	29
Maine	$70	40
Nebraska	$71	16
Montana	$71	17
Utah	$72	22
Virginia	$73	46
Maryland	$74	34
Washington	$75	40
New Jersey	$75	29
Vermont	$76	7
New Hampshire	$77	9
Florida	$80	72
Arizona	$80	21
Missouri	$81	29
Tennessee	$82	41
Nevada	$86	11
Idaho	$86	17
Kansas	$87	19
Indiana	$87	44
Ohio	$88	77
Michigan	$92	113
New Mexico	$95	16
Alaska	$95	7
Kentucky	$97	17
Texas	$97	141
Oklahoma	$98	27
North Dakota	$98	12
Georgia	$99	30
Alabama	$101	36
South Carolina	$103	22
Louisiana	$116	29
South Dakota	$117	12
Mississippi	$154	13

Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA. Every credit union's figure is on its own page, in the screener, and in the free API.