Northern Valley Federal Credit Union

Headquarters: Grand Forks, North Dakota
Charter: Credit Union
Assets: $20.3M
Fed district: Minneapolis
Regulator: NCUA

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

Source: its fee schedule, read Nov 1, 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 1, 2026

How these figures are measured

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) 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.	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

Details

Source: NCUA 5300 call report
Entity: Northern Valley Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 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 $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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Northern Valley Federal Credit Union: $30
Northern Valley Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Northern Valley Federal Credit Union: $30
Northern Valley Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Northern Valley Federal Credit Union: $25
Northern Valley Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

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.

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).
North Dakota: Banks and credit unions headquartered in North Dakota 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 was about level from Q3 2025 to Q2 2026, at $37K.

Fee income, Q2 2026

$37K

$37KQ3 2025

$37KQ4 2025

$32KQ1 2026

$37KQ2 2026

Against the median

Northern Valley 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

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.

Credit unions only
$20M to $21M 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
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.

Fee type

Peer pricing snapshot

Northern Valley Federal Credit Union does not publish an out-of-network ATM fee in the index.

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.

Northern Valley Federal C…Peer (equal prices stack)Peer medianInclude $10 outlierShown past the axis break, not to scale, so the rest of the set has room.

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.

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 Northern Valley Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $37K
vs prior quarter: +$5K+15.6%; from Q1 2026
vs a year earlier: $00.0%; from Q2 2025
vs start of range: −$1K−2.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Northern Valley Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 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	$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%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Early closure fee (90 days)$5
Inactive Monthly Fee$5
per month
Account balancing assistance$15
Not compared: Charged per hour; comparison unavailable
per hour · Account balancing assistance | $15.00/hour

Overdraft & NSF

Overdraft (NSF)$30
per item
Debit Card NSF$30
per item
Return Draft$30
per item

ATM & Card

Replacement Debit or Visa Card$20

Wire Transfers

Wire transfer fees: Outgoing$25
Wire transfer fees: Incoming$25

Check Services

Cashier’s Check$2
per item
Money Orders$0.75
per item
Stop Payment of Draft$25

Lending Fees

Visa Credit Card Late Fee$30

Other Fees

Copy of Activity from credit union$1
Not compared: Charged per page; comparison unavailable
per page · Copy of Activity from credit union | $1.00/page
Fax Machine$1
Not compared: Charged per page; comparison unavailable
per page · Fax Machine | $1.00/page
Loan Application Fee$30

Fee	Amount	Basis	Note
Account Maintenance
Early closure fee (90 days)	$5	Not stated	None
Inactive Monthly Fee	$5	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)	$30	per item	None
Debit Card NSF	$30	per item	None
Return Draft	$30	per item	None
ATM & Card
Replacement Debit or Visa Card	$20	Not stated	None
Wire Transfers
Wire transfer fees: Outgoing	$25	Not stated	None
Wire transfer fees: Incoming	$25	Not stated	None
Check Services
Cashier’s Check	$2	per item	None
Money Orders	$0.75	per item	None
Stop Payment of Draft	$25	Not stated	None
Lending Fees
Visa Credit Card Late Fee	$30	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	$30	Not stated	None

Correct a fee source

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.

Fee change alerts

Get an email when Northern Valley Federal Credit Union's foreign transaction changes in our data

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