14 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 23, 2026.
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 23, 2026
Call-report figures are for Southwest Montana Community 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. | Southwest Montana Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 23, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $347K in Q2 2026, 35% below the same quarter a year earlier ($533K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Free Kasasa Cash Back Checking
NSF / Returned Item
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Montana, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 20% from Q3 2025 to Q2 2026, to $347K.
$347K
Southwest Montana Community Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Southwest Montana Community Federal Credit Union · $203M 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 |
|---|---|---|---|---|---|---|---|
| Southwest Montana Community Federal Credit Union(this institution) | Anaconda, MT | $203M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 |
| 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 |
| Bluestone Federal Credit Union | Sioux Falls, SD | $206M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central Virginia Federal Credit Union | Lynchburg, VA | $198M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | 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 |
| Endurance Federal Credit Union | Duncan, OK | $196M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| 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 |
| Membersource Federal Credit Union | Houston, TX | $196M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| 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 |
| 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 |
| Service 1 Federal Credit Union | Muskegon, MI | $199M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sky Federal Credit Union | Livingston, MT | $197M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | 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 |
| White Eagle Federal Credit Union | Augusta, KS | $199M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $3, against a peer median of $7.50 among 14 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 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 Southwest Montana Community 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 | $347K | −$44K | −11.3% |
| Q1 2026 | $391K | −$52K | −11.7% |
| Q4 2025 | $443K | +$8K | +1.8% |
| Q3 2025 | $435K | −$98K | −18.4% |
| Q2 2025 | $533K | +$204K | +62.0% |
| Q1 2025 | $329K | +$15K | +4.8% |
| Q4 2024 | $314K | −$9K | −2.8% |
| Q3 2024 | $323K | +$25K | +8.4% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Southwest Montana Community Federal Credit Union’s own schedules, with a source for each figure.
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service fee | $3 | per month | None |
| Early Closure Fee | $25 | Not stated | None |
| Dormant Account | $10Not compared: Annual charge, not monthly | per year | None |
| Account Research & Reconcilement | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| NSF Charge | $25 | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer | $20 | Not stated | None |
| Incoming Wire Transfer | $10 | Not stated | None |
Check Services | |||
| Cashier's Checks | $1 | per item | None |
| Money Orders | $1 | per item | None |
| Stop Payment | $25 | Not stated | None |
| Counter Checks | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Copy of Draft | $2 | per item | None |
Digital & Electronic | |||
| ACH Return Fee | $25 | Not stated | None |
| Bill Pay Fee (only after 3 mnths of inactivity) | $5 | per month | None |
Cash & Deposit | |||
| Night Depository, Notary Service, & U.S. Savings Bonds | No charge | Not stated | None |
Account Services | |||
| Safe Deposit Box 10x10 | $65 | per year | None |
| Safe Deposit Box 3x10 | $30 | per year | None |
| Safe Deposit Box 3x5 | $20 | per year | None |
| Safe Deposit Box 5x10 | $40 | per year | None |
| Safe Deposit Box 5x5 | $25 | per year | None |
| Safe Deposit Box 7x10 | $50 | per year | None |
| Garnishment or Levy | $35 | Not stated | None |
Oct 23, 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
We check once a day and send one email covering every change.