M O Federal Credit Union

Headquarters: Huron, South Dakota
Charter: Credit Union
Assets: $40.9M
Fed district: Minneapolis
Regulator: NCUA

18 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 M O 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.	M O 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: M O 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 $21K in Q2 2026, 13% below the same quarter a year earlier ($24K).
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)
M O Federal Credit Union: $25
M O Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Compared at $22.50, the middle of its prices
M O Federal Credit Union: $10 to $35
M O Federal Credit Union: $10 to $35
U.S. median: no median
Non-Network ATM
M O Federal Credit Union: $1
M O Federal Credit Union: $1
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 fell 25% from Q3 2025 to Q2 2026, to $21K.

Fee income, Q2 2026

$21K

$28KQ3 2025

$28KQ4 2025

$17KQ1 2026

$21KQ2 2026

Against the median

M O 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

M O Federal Credit Union · $41M 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 21 states.

Credit unions only
$40M to $42M in assets
Headquartered in 21 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
M O Federal Credit Union(this institution)	Huron, SD	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Campus Federal Credit Union	Wichita, KS	$41M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Chaves County School Employees Federal Credit Union	Roswell, NM	$40M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Chiropractic Federal Credit Union	Farmington, MI	$42M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Connection Federal Credit Union	Silverdale, WA	$40M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Diablo Valley Federal Credit Union	Concord, CA	$40M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Health Care Professionals Federal Credit Union	Richmond, IN	$42M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hotel And Travel Industry Federal Credit Union	Honolulu, HI	$40M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Jax Fire Federal Credit Union	Jacksonville, FL	$40M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Keystone Federal Credit Union	Tyler, TX	$40M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
M.P.D. Community Federal Credit Union	Nashville, TN	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Manchester Municipal Federal Credit Union	Manchester, CT	$40M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Niagara Regional Federal Credit Union	North Tonawanda, NY	$40M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Northwest Municipal Federal Credit Union	Des Plaines, IL	$41M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Old Ocean Federal Credit Union	Sweeny, TX	$42M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Patent And Trademark Office Federal Credit Union	Alexandria, VA	$40M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pee Dee Federal Credit Union	Florence, SC	$41M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Public Service Federal Credit Union	Middlesex, NJ	$40M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Red Oak Federal Credit Union	Tuscaloosa, AL	$40M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
San Angelo Federal Credit Union	San Angelo, TX	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Sioux Valley Coop Federal Credit Union	Watertown, SD	$41M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Toro Employees Federal Credit Union	Bloomington, MN	$41M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Utica District Telephone Employees Federal Credit Union	Utica, NY	$40M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Valex Federal Credit Union	Alexandria, LA	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Visionary Federal Credit Union	Bridgeville, PA	$41M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Westchester Schools' Federal Credit Union	Rye Brook, NY	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(out-of-network atm)

13 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 12 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 30, 2026.

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

M O Federal Credit UnionPeer (equal prices stack)Peer median

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 30, 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 M O 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: $21K
vs prior quarter: +$4K+23.5%; from Q1 2026
vs a year earlier: −$3K−12.5%; from Q2 2025
vs start of range: +$6K+40.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: M O 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	$21K	+$4K	+23.5%
Q1 2026	$17K	−$11K	−39.3%
Q4 2025	$28K	$0	0.0%
Q3 2025	$28K	+$4K	+16.7%
Q2 2025	$24K	−$2K	−7.7%
Q1 2025	$26K	+$10K	+62.5%
Q4 2024	$16K	+$1K	+6.7%
Q3 2024	$15K	+$2K	+15.4%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Account Closed within 90 days$10
Research/Reconciliation Fee$25

Overdraft & NSF

Overdraft Fee$25
NSF EFT Auto Draws$10
Return Check Fee$35
Overdraft Transfer Fee$5
per item

ATM & Card

Non-Advantage ATM usage fee$1
Replacement ATM/Debit Card$10

Check Services

Cashier’s Check$3
Convert check to cashier’s check$6
Money Order$3
Stop Payment$25
Counter Checks (4 /page)$4
per item
Third-party check cashing$3
Copy of Check$1
per item

Cash & Deposit

VISA Cash Advance Fee (Foreign VISA)$10
VISA Cash Advance Fee (non-member)$15

Lending Fees

Late Payment$25

Gift & Prepaid Cards

Gift Card Purchase$4
Travel Card Reload cost (internal)$5

Other Fees

Copy of Statement$1
Not compared: Monthly charge, not per item
per month
Document Copy Fee$10
Skip-A-Payment$25

Fee	Amount	Basis	Note
Account Maintenance
Account Closed within 90 days	$10	Not stated	None
Research/Reconciliation Fee	$25	Not stated	None
Overdraft & NSF
Overdraft Fee	$25	Not stated	None
NSF EFT Auto Draws	$10	Not stated	None
Return Check Fee	$35	Not stated	None
Overdraft Transfer Fee	$5	per item	None
ATM & Card
Non-Advantage ATM usage fee	$1	Not stated	None
Replacement ATM/Debit Card	$10	Not stated	None
Check Services
Cashier’s Check	$3	Not stated	None
Convert check to cashier’s check	$6	Not stated	None
Money Order	$3	Not stated	None
Stop Payment	$25	Not stated	None
Counter Checks (4 /page)	$4	per item	None
Third-party check cashing	$3	Not stated	None
Copy of Check	$1	per item	None
Cash & Deposit
VISA Cash Advance Fee (Foreign VISA)	$10	Not stated	None
VISA Cash Advance Fee (non-member)	$15	Not stated	None
Lending Fees
Late Payment	$25	Not stated	None
Gift & Prepaid Cards
Gift Card Purchase	$4	Not stated	None
Travel Card Reload cost (internal)	$5	Not stated	None
Other Fees
Copy of Statement	$1Not compared: Monthly charge, not per item	per month	None
Document Copy Fee	$10	Not stated	None
Skip-A-Payment	$25	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

Get an email when M O Federal Credit Union's safe deposit box changes in our data

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