Compared with South Dakota
2 of 20
compared fees are above the median.
10 below, 8 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
100th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the South Dakota median
of 20 compared; 10 below, 8 about the same
See the feesFee schedule read Nov 1, 2026
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) 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 South Dakota median | Published fees above the South Dakota 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
Fee income was 36% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (100th 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 $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.
2 of 20 compared published fees sit above the South Dakota median; 10 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 South Dakota medians for fees published by banks and credit unions.
Overdraft (OD)
NSF Share Draft
Monthly Maintenance
Dividend Bearing Checking Account $5 to $10
Compared at $7.50, the middle of its prices
NSF / Returned Item
NSF Share Draft
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.
Fee income rose 7.0% from Q3 2025 to Q2 2026, to $1.5M. Its share of revenue, 36%, is above the 7.2% median for credit unions with under $300M in assets.
$1.5M
Bluestone 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. *Monthly maintenance: Listed at $5 to $10; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Bluestone 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 | $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% |
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, Bluestone 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 Bluestone Federal Credit Union by share.
Amounts from Bluestone Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per hour · Account Reconciliation / Checkbook Balancing | $20.00 per hour (Fee)
per month
per item
per item
per item
per day · Max $100 per day for NSF returned items
per item
per item
per item
per item
per item
per item
per item
per item
per page · Fax Service | $1.00 per page (Fee)
per page · Photocopy | $0.25 per page (Fee)
per page · Statement Copy | $1.00 per page – Free via It’sMe247 (Fee)
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dividend Bearing Checking Account Monthly service fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Money Market Share Draft (balance falls below $10,000) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | 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) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| NSF Share Draft (Honored) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Share Draft (Returned) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer From Savings | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Transfer From Overdraft Protection Loan | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| NSF Daily Cap (audience not stated, treated as personal) | $100Inside the U.S. middle 50% ($100 to $162.50 nationally) | per day | Max $100 per day for NSF returned items |
ATM & Card | |||
| Foreign ATM Terminals | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer: Outgoing Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer: Incoming | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire Transfer: Outgoing International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashiers Checks | $4Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payments | $25Inside the U.S. middle 50% ($20 to $30 nationally) | 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 | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Share Draft Copy | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Cash Advance: Non-Member | $10Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Lending Fees | |||
| Credit Card Late Fee | $12.50Not compared: Monthly charge, not per item | per month | None |
| Loan Late Fee | $10Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| MASTERCARD Credit Card Late Fee | $12.50Not compared: Monthly charge, not per item | per month | None |
Gift & Prepaid Cards | |||
| Gift Cards | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Copy of Charge Slip | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Credit Card Sales Receipt | $5Inside the U.S. middle 50% ($2 to $5 nationally) | 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) | $12.50Below the U.S. middle 50% ($20 to $37.50 nationally) | 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
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 Bluestone Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Sioux Falls, SD | 4 |
Largest competitors nearby
Local market: Minnehaha and Lincoln counties, SD, around its headquarters.
| 39 in its local market | Deposit share |
|---|---|
| Citibank, National Association | 56.6% |
| Wells Fargo Bank, National Association | 41% |
| The Bancorp Bank, National Association | 0.7% |
| Pathward, National Association | 0.5% |
| First PREMIER Bank | 0.2% |
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.