Compared with North Dakota
4 of 12
compared fees are above the median.
3 below, 5 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
81st percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the North Dakota median
of 12 compared; 3 below, 5 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Northern Valley 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 North Dakota median | Published fees above the North Dakota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Northern Valley Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 13% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (81st 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 $37K in Q2 2026, about level with the same quarter a year earlier ($37K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 12 compared published fees sit above the North Dakota median; 3 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 North Dakota medians for fees published by banks and credit unions.
Wire Transfer (Domestic In)
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for North Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income was about level from Q3 2025 to Q2 2026, at $37K. Its share of revenue, 13%, is above the 7.2% median for credit unions with under $300M in assets.
$37K
Northern Valley 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.
Northern Valley Federal Credit Union · $20M 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 |
|---|---|---|---|---|---|---|---|
| Northern Valley Federal Credit Union(this institution) | Grand Forks, ND | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Acadian Federal Credit Union | Lafayette, LA | $21M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Arh Federal Credit Union | Middlesboro, KY | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Blue Water Federal Credit Union | Port Huron, MI | $20M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community Healthcare Federal Credit Union | Everett, WA | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Corner Stone Federal Credit Union | lancaster, TX | $20M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Crouse Federal Credit Union | Syracuse, NY | $20M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dn Community Federal Credit Union | Canton, OH | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| East Alabama Community Federal Credit Union | Opelika, AL | $21M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| East Orange Va Hospital Federal Credit Union | East Orange, NJ | $20M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Frankfort Community Federal Credit Union | Frankfort, MI | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Hamilton Horizons Federal Credit Union | Hamilton, NJ | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Holy Family Memorial Federal Credit Union | Manitowoc, WI | $20M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hutchinson Government Employees Federal Credit Union | Hutchinson, KS | $20M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Kone Employees Federal Credit Union | Moline, IL | $21M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Lakota Federal Credit Union | Kyle, SD | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lcra Federal Credit Union | Austin, TX | $20M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Le Roy Federal Credit Union | Le Roy, NY | $21M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Locomotive & Control Employees Federal Credit Union | Erie, PA | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Maine Solutions Federal Credit Union | South Portland, ME | $21M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Northside Federal Credit Union | Atlanta, GA | $21M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Oshkosh Community Federal Credit Union | Oshkosh, WI | $20M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Port Arthur Community Federal Credit Union | Port Arthur, TX | $20M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| St. Louis Policemen`S Federal Credit Union | saint louis, MO | $20M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Temple-Inland Federal Credit Union | Diboll, TX | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Union Pacific Streamliner Federal Credit Union | Omaha, NE | $21M | Monthly maintenance not published | 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(out-of-network atm)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $2 among 9 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 2, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Northern Valley Federal Credit Union does not publish an out-of-network atm 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Northern Valley 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 | $37K | +$5K | +15.6% |
| Q1 2026 | $32K | −$5K | −13.5% |
| Q4 2025 | $37K | $0 | 0.0% |
| Q3 2025 | $37K | $0 | 0.0% |
| Q2 2025 | $37K | +$3K | +8.8% |
| Q1 2025 | $34K | −$4K | −10.5% |
| Q4 2024 | $38K | $0 | 0.0% |
| Q3 2024 | $38K | +$2K | +5.6% |
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, Northern Valley 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 Northern Valley Federal Credit Union by share.
Amounts from Northern Valley Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per page · Copy of Activity from credit union | $1.00/page
per page · Fax Machine | $1.00/page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early closure fee (90 days) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Monthly Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account balancing assistance | $15Not compared: Charged per hour; comparison unavailable | per hour | Account balancing assistance | $15.00/hour |
Overdraft & NSF | |||
| Overdraft (NSF) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Debit Card NSF | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Return Draft | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Replacement Debit or Visa Card | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire transfer fees: Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire transfer fees: Incoming | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $0.75Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment of Draft | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Lending Fees | |||
| Visa Credit Card Late Fee | $30Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Copy of Activity from credit union | $1Not compared: Charged per page; comparison unavailable | per page | Copy of Activity from credit union | $1.00/page |
| Fax Machine | $1Not compared: Charged per page; comparison unavailable | per page | Fax Machine | $1.00/page |
| Loan Application Fee | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Nov 1, 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 Northern Valley Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Grand Forks, ND | 1 |
Largest competitors nearby
Local market: Grand Forks county, ND, around its headquarters.
| 20 in its local market | Deposit share |
|---|---|
| Alerus Financial, National Association | 20.3% |
| Old National Bank | 13.3% |
| Gate City Bank | 12.8% |
| U.S. Bank National Association | 10.6% |
| First State Bank | 8.8% |
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.