Coteau Valley Federal Credit Union

Headquarters: Sisseton, South Dakota
Charter: Credit Union
Assets: $18.8M
Fed district: Minneapolis
Regulator: NCUA

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

Source: its fee schedule, read Oct 10, 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 10, 2026

How these figures are measured

Call-report figures are for Coteau Valley 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.	Coteau Valley Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 10, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Coteau Valley 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 $51K in Q2 2026, 11% below the same quarter a year earlier ($57K).
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.

Overdraft (OD)
Coteau Valley Federal Credit Union: $30
Coteau Valley Federal Credit Union: $30
U.S. median: no median
Stop Payment
Coteau Valley Federal Credit Union: $50
Coteau Valley Federal Credit Union: $50
U.S. median: no median
Cashier's Check
Compared at $4, the middle of its prices
Coteau Valley Federal Credit Union: $3 to $5
Coteau Valley Federal Credit Union: $3 to $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

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.

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).
South Dakota: Banks and credit unions headquartered in South Dakota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 4.1% from Q3 2025 to Q2 2026, to $51K.

Fee income, Q2 2026

$51K

$49KQ3 2025

$55KQ4 2025

$49KQ1 2026

$51KQ2 2026

Against the median

Coteau Valley 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

Coteau Valley 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 19 states.

Credit unions only
$18M to $20M in assets
Headquartered in 19 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
Coteau Valley Federal Credit Union(this institution)	Sisseton, SD	$19M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
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
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
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
Frankfort Community Federal Credit Union	Frankfort, MI	$20M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Genuine Parts Federal Credit Union	Norcross, GA	$19M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Germania Federal Credit Union	Brenham, TX	$19M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Holy Family Memorial Federal Credit Union	Manitowoc, WI	$20M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Lakota Federal Credit Union	Kyle, SD	$20M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
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
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 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
Stanwood Area Federal Credit Union	New Stanton, PA	$19M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
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
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

Coteau Valley Federal Credit Union does not publish an out-of-network ATM fee in the index.

The peer median is $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 Nov 2, 2026.

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

Coteau Valley Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.

Coteau Valley Federal Cre…Peer (equal prices stack)Peer medianInclude 2 outliers ($5.50, $10)Shown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 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 Coteau Valley 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: $51K
vs prior quarter: +$2K+4.1%; from Q1 2026
vs a year earlier: −$6K−10.5%; from Q2 2025
vs start of range: +$3K+6.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Coteau Valley 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	$51K	+$2K	+4.1%
Q1 2026	$49K	−$6K	−10.9%
Q4 2025	$55K	+$6K	+12.2%
Q3 2025	$49K	−$8K	−14.0%
Q2 2025	$57K	+$12K	+26.7%
Q1 2025	$45K	+$1K	+2.3%
Q4 2024	$44K	−$4K	−8.3%
Q3 2024	$48K	−$7K	−12.7%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Dormant Account Fee – no activity in acct for 12 months$10
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Returned Check/Overdraft Fee/Non Sufficient Funds$30

ATM & Card

Lost or Abused Debit/ATM Card Replacement$25
per item

Check Services

Bank Draft with mailing$3
per item
Bank Drafts$5
per item
Stop Payment (all items)$50
Copy of Draft$5

Account Services

Non Member Notary Fee$10
per item

Lending Fees

Credit Report Fee$23
per item
UCC Filing$20

Other Fees

Duplicate of Statement$5

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee – no activity in acct for 12 months	$10Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Returned Check/Overdraft Fee/Non Sufficient Funds	$30	Not stated	None
ATM & Card
Lost or Abused Debit/ATM Card Replacement	$25	per item	None
Check Services
Bank Draft with mailing	$3	per item	None
Bank Drafts	$5	per item	None
Stop Payment (all items)	$50	Not stated	None
Copy of Draft	$5	Not stated	None
Account Services
Non Member Notary Fee	$10	per item	None
Lending Fees
Credit Report Fee	$23	per item	None
UCC Filing	$20	Not stated	None
Other Fees
Duplicate of Statement	$5	Not stated	None

Correct a fee source

Oct 10, 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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