Stanwood Area Federal Credit Union

Headquarters: New Stanton, Pennsylvania
Charter: Credit Union
Assets: $18.6M
Fed district: Cleveland
Regulator: NCUA

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

Source: its fee schedule, read Oct 12, 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 Oct 12, 2026

How these figures are measured

Call-report figures are for Stanwood Area 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.	Stanwood Area Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 12, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Stanwood Area 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 $3K in Q2 2026, 40% below the same quarter a year earlier ($5K).
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.

NSF / Returned Item
Compared at $31.50, the middle of its prices
Stanwood Area Federal Credit Union: $30 to $33
Stanwood Area Federal Credit Union: $30 to $33
U.S. median: no median
Non-Network ATM
Stanwood Area Federal Credit Union: $1
Stanwood Area Federal Credit Union: $1
U.S. median: no median
Stop Payment
Stanwood Area Federal Credit Union: $15
Stanwood Area Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Cleveland 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).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 fell 25% from Q3 2025 to Q2 2026, to $3K.

Fee income, Q2 2026

$3K

$4KQ3 2025

$3KQ4 2025

$4KQ1 2026

$3KQ2 2026

Against the median

Stanwood Area 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

Stanwood Area Federal Credit Union · $19M 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 20 states.

Credit unions only
$18M to $19M in assets
Headquartered in 20 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
Stanwood Area Federal Credit Union(this institution)	New Stanton, PA	$19M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Bitterroot Community Federal Credit Union	Darby, MT	$19M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Cadets Federal Credit Union	Elma, NY	$18M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Combined Employees Federal Credit Union	Warner Robins, GA	$18M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Healthcare Federal Credit Union	Manchester, CT	$18M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Coteau Valley Federal Credit Union	Sisseton, SD	$19M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Eastern Panhandle Federal Credit Union	Martinsburg, WV	$19M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Electric Cooperatives Federal Credit Union	Little Rock, AR	$19M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Energy People Federal Credit Union	Medford, NJ	$18M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Fasny Federal Credit Union	Albany, NY	$18M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Lincoln Federal Credit Union	Lincoln, NE	$18M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Linkage Federal Credit Union	Waco, TX	$18M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Local 41 I.B.E.W. Federal Credit Union	Orchard Park, NY	$19M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Med Park Federal Credit Union	Grand Forks, ND	$18M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mid-Island Federal Credit Union	Christiansted, VI	$18M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Minerva Area Federal Credit Union	Minerva, OH	$18M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Newrizons Federal Credit Union	Hoquiam, WA	$19M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Northern Illinois Federal Credit Union	Dekalb, IL	$18M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Santo Christo Federal Credit Union	Fall River, MA	$19M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
South Atlantic Federal Credit Union	Boca Raton, FL	$18M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
South Coast Ilwu Federal Credit Union	North Bend, OR	$18M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Summit Ridge Federal Credit Union	Lees Summit, MO	$19M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Family First Federal Credit Union	Great Falls, MT	$19M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The West Tennessee Federal Credit Union	Atoka, TN	$18M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Txdot Federal Credit Union	Abilene, TX	$18M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Victoria Teachers Federal Credit Union	Victoria, TX	$18M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(out-of-network atm)

15 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Out-of-network ATM is broadly aligned with similar-sized credit unions: within 1% of their median.

Its published price is $1, against a peer median of $1 among 10 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 Oct 31, 2026.

Out-of-network ATM fee in dollars, one mark per institution

Stanwood Area Federal Cre…Peer (equal prices stack)Peer medianInclude $5.50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's out-of-network atm fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 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 Stanwood Area 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: $3K
vs prior quarter: −$1K−25.0%; from Q1 2026
vs a year earlier: −$2K−40.0%; from Q2 2025
vs start of range: −$3K−50.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Stanwood Area 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	$3K	−$1K	−25.0%
Q1 2026	$4K	+$1K	+33.3%
Q4 2025	$3K	−$1K	−25.0%
Q3 2025	$4K	−$1K	−20.0%
Q2 2025	$5K	−$1K	−16.7%
Q1 2025	$6K	$0	0.0%
Q4 2024	$6K	$0	0.0%
Q3 2024	$6K	$0	0.0%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Account Research Fee$10
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

ACH NSF Fee$33
Debit Card NSF Fee$30

ATM & Card

ATM Transaction Fee (First eight (8) transactions FREE)$1
per item
Visa Debit Card Replacement Fee$10

Check Services

Money Order Fee$1
Stop Payment Fee$15
Foreign Check Fee$10
Photocopy of Check Fee$3.50

Cash & Deposit

Deposited Item Returned Fee$15
Return Check Fee$30

Lending Fees

Loan Late Charge (10-Day Grace Period)$30

Gift & Prepaid Cards

Visa Gift Card Fee$2

Other Fees

Photocopies Fee$0.10
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Research Fee	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
ACH NSF Fee	$33	Not stated	None
Debit Card NSF Fee	$30	Not stated	None
ATM & Card
ATM Transaction Fee (First eight (8) transactions FREE)	$1	per item	None
Visa Debit Card Replacement Fee	$10	Not stated	None
Check Services
Money Order Fee	$1	Not stated	None
Stop Payment Fee	$15	Not stated	None
Foreign Check Fee	$10	Not stated	None
Photocopy of Check Fee	$3.50	Not stated	None
Cash & Deposit
Deposited Item Returned Fee	$15	Not stated	None
Return Check Fee	$30	Not stated	None
Lending Fees
Loan Late Charge (10-Day Grace Period)	$30	Not stated	None
Gift & Prepaid Cards
Visa Gift Card Fee	$2	Not stated	None
Other Fees
Photocopies Fee	$0.10	per item	None

Correct a fee source

Oct 12, 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 Stanwood Area Federal Credit Union's monthly maintenance changes in our data

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