Bluestone Federal Credit Union

Headquarters: Sioux Falls, South Dakota
Charter: Credit Union
Assets: $205.6M
Fed district: Minneapolis
Regulator: NCUA

22 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 Bluestone 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.	Bluestone 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: Bluestone 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 $1.5M in Q2 2026, 13% above the same quarter a year earlier ($1.3M).
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.

Monthly Maintenance
Dividend Bearing Checking Account $5 to $10
Compared at $7.50, the middle of its prices
Bluestone Federal Credit Union: $5 to $10
Bluestone Federal Credit Union: $5 to $10
U.S. median: no median
Overdraft (OD)
Bluestone Federal Credit Union: $25
Bluestone Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Bluestone Federal Credit Union: $25
Bluestone 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 South 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).
South Dakota: Banks and credit unions headquartered in South 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 rose 7.0% from Q3 2025 to Q2 2026, to $1.5M.

Fee income, Q2 2026

$1.5M

$1.4MQ3 2025

$1.3MQ4 2025

$1.3MQ1 2026

$1.5MQ2 2026

Against the median

Bluestone 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

Bluestone Federal Credit Union · $206M 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 17 states.

Credit unions only
$199M to $212M in assets
Headquartered in 17 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
Bluestone Federal Credit Union(this institution)	Sioux Falls, SD	$206M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Aac Federal Credit Union	Grand Rapids, MI	$212M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Abbey Federal Credit Union	Vandalia, OH	$200M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Access Community Federal Credit Union	Amarillo, TX	$211M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Aim Federal Credit Union	Dubuque, IA	$201M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Alta Vista Federal Credit Union	Redlands, CA	$209M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Awakon Federal Credit Union	Onaway, MI	$203M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Citizens Federal Credit Union	Big Spring, TX	$202M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cooperative Choice Network Federal Credit Union	Peoria, IL	$206M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Duke University Federal Credit Union	Durham, NC	$203M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Financial Trust Federal Credit Union	Cheektowaga, NY	$203M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fire Police City County Federal Credit Union	Fort Wayne, IN	$207M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fitzsimons Federal Credit Union	Aurora, CO	$211M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Frontier Community Federal Credit Union	Leavenworth, KS	$210M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members First Federal Credit Union	Brigham City, UT	$209M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Merco Federal Credit Union	Merced, CA	$207M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northern Hills Federal Credit Union	Sturgis, SD	$205M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Palisades Federal Credit Union	Pearl River, NY	$212M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Priority One Federal Credit Union	South Pasadena, CA	$206M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Railway Federal Credit Union	Mandan, ND	$212M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Red Wing Federal Credit Union	Red Wing, MN	$208M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sentinel Federal Credit Union	Box Elder, SD	$199M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Southwest Montana Community Federal Credit Union	Anaconda, MT	$203M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Spirit Of Alaska Federal Credit Union	Fairbanks, AK	$201M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Trunorth Federal Credit Union	Ishpeming, MI	$203M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
U.P. State Federal Credit Union	Escanaba, MI	$210M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	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.

Fee type

Peer pricing snapshot

Monthly maintenance is broadly aligned with similar-sized credit unions: within 1% of their median.

Compared at $7.50, the middle of its two prices, against a peer median of $7.50 among 12 publishing peers.

Its two checking prices are $5 and $10.

$7.50 is a comparison price, not a fee anyone is charged.

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 28, 2026.

Monthly maintenance fee in dollars, one mark per institution

Bluestone Federal Credit…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer medianInclude $36.50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 28, 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 Bluestone 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: $1.5M
vs prior quarter: +$116K+8.7%; from Q1 2026
vs a year earlier: +$173K+13.5%; from Q2 2025
vs start of range: +$207K+16.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Bluestone 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	$1.5M	+$116K	+8.7%
Q1 2026	$1.3M	+$2K	+0.1%
Q4 2025	$1.3M	−$23K	−1.7%
Q3 2025	$1.4M	+$78K	+6.1%
Q2 2025	$1.3M	+$127K	+11.0%
Q1 2025	$1.2M	−$105K	−8.3%
Q4 2024	$1.3M	+$12K	+1.0%
Q3 2024	$1.2M	+$55K	+4.6%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Dividend Bearing Checking Account Monthly service fee$5
per month
Monthly service fee$10
per month
Money Market Share Draft (balance falls below $10,000)$10
per month
Inactive Account$5
per month
Account Reconciliation / Checkbook Balancing$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation / Checkbook Balancing | $20.00 per hour (Fee)
Returned Mail (per month)$5
per month

Overdraft & NSF

NSF Share Draft (Honored)$25
per item
NSF Share Draft (Returned)$25
per item
Overdraft Transfer From Savings$3
per item
Transfer From Overdraft Protection LoanNo charge
NSF Daily Cap (audience not stated, treated as personal)$100
per day · Max $100 per day for NSF returned items

ATM & Card

Foreign ATM Terminals$2
per item
Debit Card Replacement$10
per item

Wire Transfers

Wire Transfer: Outgoing Domestic$20
per item
Wire Transfer: Incoming$5
per item
Wire Transfer: Outgoing International$50
per item

Check Services

Cashiers Checks$4
per item
Money Orders$2
per item
Stop Payments$25
per item
Check Cashing Fee2%
Check Cashing Fee (audience not stated, treated as personal)2%
Photocopy of Money Order$5
per item
Share Draft Copy$1
per item

Cash & Deposit

Cash Advance: Non-Member$10

Lending Fees

Credit Card Late Fee$12.50
Not compared: Monthly charge, not per item
per month
Loan Late Fee$10
MASTERCARD Credit Card Late Fee$12.50
Not compared: Monthly charge, not per item
per month

Gift & Prepaid Cards

Gift Cards$3
per item

Other Fees

Copy of Charge Slip$5
per item
Copy of Credit Card Sales Receipt$5
per item
Fax Service$1
Not compared: Charged per page; comparison unavailable
per page · Fax Service | $1.00 per page (Fee)
Photocopy$0.25
Not compared: Charged per page; comparison unavailable
per page · Photocopy | $0.25 per page (Fee)
Statement Copy$1
Not compared: Charged per page; comparison unavailable
per page · Statement Copy | $1.00 per page – Free via It’sMe247 (Fee)
Mortgage Payoff Statement (does not apply to CU Mortgage Direct LLC)$12.50

Fee	Amount	Basis	Note
Account Maintenance
Dividend Bearing Checking Account Monthly service fee	$5	per month	None
Monthly service fee	$10	per month	None
Money Market Share Draft (balance falls below $10,000)	$10	per month	None
Inactive Account	$5	per month	None
Account Reconciliation / Checkbook Balancing	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation / Checkbook Balancing \| $20.00 per hour (Fee)
Returned Mail (per month)	$5	per month	None
Overdraft & NSF
NSF Share Draft (Honored)	$25	per item	None
NSF Share Draft (Returned)	$25	per item	None
Overdraft Transfer From Savings	$3	per item	None
Transfer From Overdraft Protection Loan	No charge	Not stated	None
NSF Daily Cap (audience not stated, treated as personal)	$100	per day	Max $100 per day for NSF returned items
ATM & Card
Foreign ATM Terminals	$2	per item	None
Debit Card Replacement	$10	per item	None
Wire Transfers
Wire Transfer: Outgoing Domestic	$20	per item	None
Wire Transfer: Incoming	$5	per item	None
Wire Transfer: Outgoing International	$50	per item	None
Check Services
Cashiers Checks	$4	per item	None
Money Orders	$2	per item	None
Stop Payments	$25	per item	None
Check Cashing Fee	2%	Not stated	None
Check Cashing Fee (audience not stated, treated as personal)	2%	Not stated	None
Photocopy of Money Order	$5	per item	None
Share Draft Copy	$1	per item	None
Cash & Deposit
Cash Advance: Non-Member	$10	Not stated	None
Lending Fees
Credit Card Late Fee	$12.50Not compared: Monthly charge, not per item	per month	None
Loan Late Fee	$10	Not stated	None
MASTERCARD Credit Card Late Fee	$12.50Not compared: Monthly charge, not per item	per month	None
Gift & Prepaid Cards
Gift Cards	$3	per item	None
Other Fees
Copy of Charge Slip	$5	per item	None
Copy of Credit Card Sales Receipt	$5	per item	None
Fax Service	$1Not compared: Charged per page; comparison unavailable	per page	Fax Service \| $1.00 per page (Fee)
Photocopy	$0.25Not compared: Charged per page; comparison unavailable	per page	Photocopy \| $0.25 per page (Fee)
Statement Copy	$1Not compared: Charged per page; comparison unavailable	per page	Statement Copy \| $1.00 per page – Free via It’sMe247 (Fee)
Mortgage Payoff Statement (does not apply to CU Mortgage Direct LLC)	$12.50	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

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

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