17 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 1, 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 Nov 1, 2026
Call-report figures are for Sunward 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. | Sunward 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 $1.9M in Q2 2026, 14% above the same quarter a year earlier ($1.7M).
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.
Overdraft (OD)
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 New Mexico, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 2.4% from Q3 2025 to Q2 2026, to $1.9M.
$1.9M
Sunward Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Sunward Federal Credit Union · $4.6B 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Sunward Federal Credit Union(this institution) | Albuquerque, NM | $4.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Affinity Federal Credit Union | Basking Ridge, NJ | $4.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ascend Federal Credit Union | Tullahoma, TN | $4.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Blaze Federal Credit Union | Falcon Heights, MN | $4.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Consumers Federal Credit Union | lake Forest, IL | $4.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Eecu Federal Credit Union | Fort Worth, TX | $4.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Empower Federal Credit Union | Syracuse, NY | $4.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Georgia'S Own Federal Credit Union | Atlanta, GA | $4.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Goldenwest Federal Credit Union | Ogden, UT | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jovia Financial Federal Credit Union | Westbury, NY | $4.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Liberty Federal Credit Union | Evansville, IN | $4.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Michigan Schools And Government Federal Credit Union | Clinton Township, MI | $4.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Navigant Federal Credit Union | Smithfield, RI | $4.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Northwest Federal Credit Union | Herndon, VA | $4.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Numerica Federal Credit Union | Spokane Valley, WA | $4.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Oneaz Federal Credit Union | Phoenix, AZ | $4.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ornl Federal Credit Union | Oak Ridge, TN | $5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Peak Federal Credit Union | Olympia, WA | $4.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Rally Federal Credit Union | Corpus Christi, TX | $4.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Robins Financial Federal Credit Union | Warner Robins, GA | $5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rogue Federal Credit Union | Medford, OR | $4.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Safe Federal Credit Union | Folsom, CA | $4.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Stanford Federal Credit Union | Palo Alto, CA | $4.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Technology Federal Credit Union | San Jose, CA | $4.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| United Federal Credit Union | St Joseph, MI | $4.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| University Federal Credit Union | Austin, TX | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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
The peer median is $7.75 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 Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Sunward Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Sunward 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 | $1.9M | +$59K | +3.1% |
| Q1 2026 | $1.9M | −$802K | −29.9% |
| Q4 2025 | $2.7M | +$695K | +34.9% |
| Q3 2025 | $2.0M | +$292K | +17.2% |
| Q2 2025 | $1.7M | +$82K | +5.1% |
| Q1 2025 | $1.6M | −$676K | −29.5% |
| Q4 2024 | $2.3M | +$482K | +26.6% |
| Q3 2024 | $1.8M | +$29K | +1.6% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Sunward Federal Credit Union’s own schedules, with a source for each figure.
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee (assessed monthly after two consecutive years of inactivity) | $5 | per month | None |
| Balancing/Reconcilement/Research (per hour, one hour minimum) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Courtesy Pay Courtesy Pay may cover overdrafts for certain transactions, including debit card purchases (with opt-in). A | $25 | Not stated | None |
| Overdraft Fee – for Non-Sufficient Funds (per paid item/transaction) | $25 | per transaction | None |
| Returned Item Fee – for Non-Sufficient Funds (per returned item/transaction) | $25 | Not stated | None |
ATM & Card | |||
| Card (Credit or Debit) Replacement Fee | $5 | Not stated | None |
| Card (Credit or Debit) Rush Fee | $40 | Not stated | None |
| International Transaction Fee | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer (Outgoing – Domestic) | $25 | Not stated | None |
| Wire Transfer (Outgoing – International) | $45 | Not stated | None |
Check Services | |||
| Cashier’s Check (per item) | $5 | per item | None |
| Money Order | $5 | Not stated | None |
| ACH Payment Stop Payment Fee | $25 | Not stated | None |
| Stop Payment Fee (per check or Automated Clearing House [ACH] or online bill pay payment) | $25 | per item | None |
| Temporary checks available | $1 | Not stated | None |
| Copies of Paid Checks | $2 | per item | None |
Digital & Electronic | |||
| ACH Origination Set-up | $5 | Not stated | None |
| Bill Pay Expedited Payment Fee | $15 | Not stated | None |
| Bill Pay Regular Payments | No charge | Not stated | None |
Cash & Deposit | |||
| Deposit Item Return Fee | $8 | Not stated | None |
Account Services | |||
| Safe Deposit Box Lost Key Replacement Fee | $15Not compared: Monthly charge, not annual | per month | None |
| Garnishment and Levy Processing Fee (per each one processed) | $50 | per item | None |
Other Fees | |||
| Statement Copies or Copies of Other Scanned Images (charge per page) | $1 | per item | None |
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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