Northern New Mexico School Employee Federal Credit Union

Headquarters: Santa Fe, New Mexico
Charter: Credit Union
Assets: $44.5M
Fed district: Kansas City
Regulator: NCUA

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

Source: its fee schedule, read Oct 22, 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 22, 2026

How these figures are measured

Call-report figures are for Northern New Mexico School Employee 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 New Mexico School Employee Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 22, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Northern New Mexico School Employee 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 $46K in Q2 2026, 2.2% above the same quarter a year earlier ($45K).
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
Northern New Mexico School Employee Federal Credit Union: $5
Northern New Mexico School Employee Federal Credit Union: $5
U.S. median: no median
NSF / Returned Item
Northern New Mexico School Employee Federal Credit Union: $25
Northern New Mexico School Employee Federal Credit Union: $25
U.S. median: no median
Stop Payment
Northern New Mexico School Employee Federal Credit Union: $25
Northern New Mexico School Employee Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 22, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Mexico, the Kansas City 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).
New Mexico: Banks and credit unions headquartered in New Mexico that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 4.5% from Q3 2025 to Q2 2026, to $46K.

Fee income, Q2 2026

$46K

$44KQ3 2025

$42KQ4 2025

$43KQ1 2026

$46KQ2 2026

Against the median

Northern New Mexico School Employee 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 New Mexico School Employee Federal Credit Union · $45M in assets

Banks and credit unions in the Denver-Aurora-Centennial, CO metro

Banks and credit unions with branches in the Denver-Aurora-Centennial, CO metro: the local competitors for deposits and customers. They range from $5M to $4.1T in assets, so compare prices here, not size.

Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).

Banks and credit unions
$5M to $4.1T in assets
Headquartered in 25 states

Showing the 50 closest in assets of 83 peers; medians use all 83.

See the 50 institutions shown

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Northern New Mexico School Employee Federal Credit Union(this institution)	Santa Fe, NM	$45M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
5Star Bank	Colorado Springs, CO	$378M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Academy Bank, National Association	Kansas City, MO	$3.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Affidian Federal Credit Union	Denver, CO	$360M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Air Academy Federal Credit Union	Colorado Springs, CO	$810M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alpine Bank	Glenwood Springs, CO	$6.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
ANB Bank	Denver, CO	$2.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Arapahoe Federal Credit Union	Littleton, CO	$154M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Aurora Federal Credit Union	Aurora, CO	$140M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Blue Federal Credit Union	Cheyenne, WY	$2.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Canvas Federal Credit Union	Lone Tree, CO	$5.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Clean Energy Federal Credit Union	Englewood, CO	$130M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Colorado Federal Credit Union	Littleton, CO	$442M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Colorado Federal Savings Bank	Greenwood Village, CO	$2.3B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Columbine Federal Credit Union	Centennial, CO	$78M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Credit Union of Colorado, A	Denver, CO	$2.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Credit Union of Denver	Lakewood, CO	$1.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Credit Union of The Rockies	Golden, CO	$113M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Denver Fire Department Federal Credit Union	Denver, CO	$214M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Electrical Federal Credit Union	Arvada, CO	$54M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Elevations Federal Credit Union	Boulder, CO	$3.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers & Merchants Bank of Colby	Colby, KS	$651M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Farmers State Bank of Calhan	Calhan, CO	$416M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Fidelis Catholic Federal Credit Union	Arvada, CO	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Fidelity Bank	Oklahoma City, OK	$3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First National Bank	Fort Pierre, SD	$2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Western Trust Bank	Denver, CO	$3.2B	Monthly maintenance not published	Out-of-network ATM not published	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
High Plains Bank	Flagler, CO	$643M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Horizons North Federal Credit Union	Westminster, CO	$136M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
InBank	Raton, NM	$1.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Kirkpatrick Bank	Edmond, OK	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Metrum Community Federal Credit Union	Centennial, CO	$112M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Native American Bank, National Association	Denver, CO	$362M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
NewBank	Flushing, NY	$618M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Northrop Grumman Federal Credit Union	Gardena, CA	$1.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
On Tap Federal Credit Union	Golden, CO	$474M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Options Federal Credit Union	Littleton, CO	$5M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Partner Colorado Federal Credit Union	Arvada, CO	$644M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Polam Federal Credit Union	Redwood City, CA	$73M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Premier Members Federal Credit Union	Broomfield, CO	$4.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Red Rocks Federal Credit Union	Littleton, CO	$344M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Space Age Federal Credit Union	Aurora, CO	$168M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Star Tech Federal Credit Union	Greenwood Village, CO	$11M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
TBK BANK, SSB	Dallas, TX	$7.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
The District Federal Credit Union	Aurora, CO	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
United Fidelity Bank, fsb	Evansville, IN	$6.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Westerra Federal Credit Union	Denver, CO	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Westminster Federal Credit Union	Westminster, CO	$55M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Young Americans Bank	Denver, CO	$16M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Zing Credit Union	Denver, CO	$406M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

83 peers selected · 49 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $3.50 (41%) below the median of local competitors.

Its published price is $5, against a peer median of $8.50 among 49 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 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

Northern New Mexico Schoo…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee, among the 50 peers shown

Hamilton is the Fee Insight workspace for pricing teams.

Compare local deposit competitors in Hamilton

Source: Bank Fee Index, published fee schedules, as of Nov 3, 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 New Mexico School Employee 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: $46K
vs prior quarter: +$3K+7.0%; from Q1 2026
vs a year earlier: +$1K+2.2%; from Q2 2025
vs start of range: −$2K−4.2%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Northern New Mexico School Employee 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	$46K	+$3K	+7.0%
Q1 2026	$43K	+$1K	+2.4%
Q4 2025	$42K	−$2K	−4.5%
Q3 2025	$44K	−$1K	−2.2%
Q2 2025	$45K	+$1K	+2.3%
Q1 2025	$44K	−$3K	−6.4%
Q4 2024	$47K	−$1K	−2.1%
Q3 2024	$48K	+$4K	+9.1%

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 New Mexico School Employee Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Low monthly service fee$5
per month
Closing Account (within 90 days)$10
Dormant Share Account$5
Account Research / Reconciliation$20
Bad Address Returned Mail$5

Overdraft & NSF

ACH NSF$25
Insufficient Funds (NSF)$25
Overdraft Transfer Charge$5

ATM & Card

Replace Lost or Damaged Debit Card$10

Wire Transfers

Foreign Country Wire Transfer$50

Check Services

Official Check to 3rd Party$1
EFT Stop Payment$25
Stop Pay (Official check)$25
Stop Payment Share Draft/ACH$25
Temporary ChecksNo charge
Collection Item (incoming/outgoing)$25
Copy of Share Draft (free through online banking)No charge

Digital & Electronic

ACH Origination Fee (Not currently done manually)$5

Cash & Deposit

Deposit Item Returned (3rd party)$5

Account Services

Notary PublicNo charge
Levies/Garnishments$30
Legal Process Fee$20

Lending Fees

Loan Late Payment$15

Retirement & IRA

IRA Maintenance FeeNo charge

Gift & Prepaid Cards

Visa Gift Card$5

Other Fees

Local FaxNo charge
Statement Copies (free through online banking)$3

Fee	Amount	Basis	Note
Account Maintenance
Low monthly service fee	$5	per month	None
Closing Account (within 90 days)	$10	Not stated	None
Dormant Share Account	$5	Not stated	None
Account Research / Reconciliation	$20	Not stated	None
Bad Address Returned Mail	$5	Not stated	None
Overdraft & NSF
ACH NSF	$25	Not stated	None
Insufficient Funds (NSF)	$25	Not stated	None
Overdraft Transfer Charge	$5	Not stated	None
ATM & Card
Replace Lost or Damaged Debit Card	$10	Not stated	None
Wire Transfers
Foreign Country Wire Transfer	$50	Not stated	None
Check Services
Official Check to 3rd Party	$1	Not stated	None
EFT Stop Payment	$25	Not stated	None
Stop Pay (Official check)	$25	Not stated	None
Stop Payment Share Draft/ACH	$25	Not stated	None
Temporary Checks	No charge	Not stated	None
Collection Item (incoming/outgoing)	$25	Not stated	None
Copy of Share Draft (free through online banking)	No charge	Not stated	None
Digital & Electronic
ACH Origination Fee (Not currently done manually)	$5	Not stated	None
Cash & Deposit
Deposit Item Returned (3rd party)	$5	Not stated	None
Account Services
Notary Public	No charge	Not stated	None
Levies/Garnishments	$30	Not stated	None
Legal Process Fee	$20	Not stated	None
Lending Fees
Loan Late Payment	$15	Not stated	None
Retirement & IRA
IRA Maintenance Fee	No charge	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$5	Not stated	None
Other Fees
Local Fax	No charge	Not stated	None
Statement Copies (free through online banking)	$3	Not stated	None

Correct a fee source

Oct 22, 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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