Sentinel Federal Credit Union

Headquarters: Box Elder, South Dakota
Charter: Credit Union
Assets: $199.3M
Fed district: Minneapolis
Regulator: NCUA

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

Source: its fee schedule, read Nov 1, 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 Nov 1, 2026

How these figures are measured

Call-report figures are for Sentinel 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.	Sentinel 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

Details

Source: NCUA 5300 call report
Entity: Sentinel 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 $249K in Q2 2026, 15% above the same quarter a year earlier ($217K).
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)
Sentinel Federal Credit Union: $35
Sentinel Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Compared at $31, the middle of its prices
Sentinel Federal Credit Union: $27 to $35
Sentinel Federal Credit Union: $27 to $35
U.S. median: no median
Non-Network ATM
Compared at $0.88, the middle of its prices
Sentinel Federal Credit Union: $0.50 to $1.25
Sentinel Federal Credit Union: $0.50 to $1.25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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 25% from Q3 2025 to Q2 2026, to $249K.

Fee income, Q2 2026

$249K

$199KQ3 2025

$229KQ4 2025

$253KQ1 2026

$249KQ2 2026

Against the median

Sentinel 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

Sentinel Federal Credit Union · $199M 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
$194M to $205M 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
Sentinel Federal Credit Union(this institution)	Box Elder, SD	$199M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
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
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
Beach Municipal Federal Credit Union	Virginia Beach, VA	$195M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Big Island Federal Credit Union	Hilo, HI	$195M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	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
Coloramo Federal Credit Union	Grand Junction, CO	$196M	Publishes Monthly maintenance	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
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
Northeast Community Federal Credit Union	Elizabethton, TN	$194M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	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
P & G Mehoopany Employees Federal Credit Union	Tunkhannock, PA	$195M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Polish-American Federal Credit Union	Troy, MI	$195M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Riverfall Federal Credit Union	Tuscaloosa, AL	$194M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Saco Valley Federal Credit Union	Saco, ME	$196M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Schools Federal Credit Union	Torrance, CA	$196M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	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
Southwest Montana Community Federal Credit Union	Anaconda, MT	$203M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	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 · 10 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Sentinel Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $7.75 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.

Monthly maintenance fee in dollars, one mark per institution

Sentinel Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Sentinel Federal Credit U…Peer (equal prices stack)Peer median

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 Sentinel 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: $249K
vs prior quarter: −$4K−1.6%; from Q1 2026
vs a year earlier: +$32K+14.7%; from Q2 2025
vs start of range: +$72K+40.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Sentinel 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	$249K	−$4K	−1.6%
Q1 2026	$253K	+$24K	+10.5%
Q4 2025	$229K	+$30K	+15.1%
Q3 2025	$199K	−$18K	−8.3%
Q2 2025	$217K	−$100K	−31.5%
Q1 2025	$317K	+$138K	+77.1%
Q4 2024	$179K	+$2K	+1.1%
Q3 2024	$177K	−$54K	−23.4%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Early Account Closure (audience not stated, treated as personal)$25
Early account closure fee$5
Dormant Maintenance, per month (audience not stated, treated as personal)$10
per month
Maintenance fee$5
per item
Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Reconciliation$5
Excessive transaction fee (Reg D limits)$15
Return Mail, per item$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft by ATM Withdrawal, per overdraft (audience not stated, treated as personal)$35
per item
Overdraft, each overdraft paid per item$35
per item
Overdraft, each overdraft paid per item (audience not stated, treated as personal)$35
per item
Returned Check Written by Member, per item (audience not stated, treated as personal)$27
per item
Returned NSF Item, per item (audience not stated, treated as personal)$35
per item
Notification of Automatic Transfer to Cover Overdraft$30
per item

ATM & Card

Account Balance Inquiry, per inquiry$0.50
per item
Non-SFCU Owned ATMs: Withdrawals/Transfers, per item (audience not stated, treated as personal)$1.25
per item
Plastic Card Replacement (audience not stated, treated as personal)$15
Plastic Card or PIN Rush Order$35
per item
International Service Assessment1%of the transaction

Check Services

Cashier’s Check, per item (audience not stated, treated as personal)$5
per item
Money Orders, per item (audience not stated, treated as personal)$2
per item
Money Orders/Cashier’s Check Stop Payment: Per item$30
per item
Stop Payment, per order (audience not stated, treated as personal)$30
per item
Temporary Checks, per check (min. 4 checks)$0.25
per item
Temporary Checks, per sheet of 4$5
per item
Collection Item, per item: Incoming$15
Collection Item, per item: International$25
Collection Item, per item: Outgoing$35
Photocopy of Original Check, per copy$2
per item

Digital & Electronic

ACH Origination Change, per item (audience not stated, treated as personal)$25
per item

Account Services

Safe Deposit Box 10x10$50
per year
Safe Deposit Box 10x10$50
Safe Deposit Box 3x10$25
per year
Safe Deposit Box 3x10$25
Safe Deposit Box 3x5$15
per year
Safe Deposit Box 3x5$15
per year
Safe Deposit Box 5x10$40
per year
Safe Deposit Box 5x10$40
Safe Deposit Drilling (audience not stated, treated as personal)$250
Not compared: Box drilling or key fee
Safe Deposit Key Replacement (audience not stated, treated as personal)$30
Not compared: Box drilling or key fee
Compliance with Legal Order/Levy$25
per item
Compliance with Legal Order/Levy$50
per item

Retirement & IRA

IRA Transfer to Another Institution (audience not stated, treated as personal)$25
IRA Withdrawal, per withdrawal$25
per item
IRA Withdrawal, per withdrawal$25
per item

Gift & Prepaid Cards

Visa Gift Card, per card (audience not stated, treated as personal)$5
per item

Other Fees

Monthly Statement Printout$2
Not compared: Monthly charge, not per item
per month
Monthly Statement Printout$5
Not compared: Monthly charge, not per item
per month
Photocopy, per page$2
per item
Photocopy, per page$1
per item
Loan Extension (Ag loans not included)$35
Loan Refinance (in house)$75

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure (audience not stated, treated as personal)	$25	Not stated	None
Early account closure fee	$5	Not stated	None
Dormant Maintenance, per month (audience not stated, treated as personal)	$10	per month	None
Maintenance fee	$5	per item	None
Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Reconciliation	$5	Not stated	None
Excessive transaction fee (Reg D limits)	$15	Not stated	None
Return Mail, per item	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft by ATM Withdrawal, per overdraft (audience not stated, treated as personal)	$35	per item	None
Overdraft, each overdraft paid per item	$35	per item	None
Overdraft, each overdraft paid per item (audience not stated, treated as personal)	$35	per item	None
Returned Check Written by Member, per item (audience not stated, treated as personal)	$27	per item	None
Returned NSF Item, per item (audience not stated, treated as personal)	$35	per item	None
Notification of Automatic Transfer to Cover Overdraft	$30	per item	None
ATM & Card
Account Balance Inquiry, per inquiry	$0.50	per item	None
Non-SFCU Owned ATMs: Withdrawals/Transfers, per item (audience not stated, treated as personal)	$1.25	per item	None
Plastic Card Replacement (audience not stated, treated as personal)	$15	Not stated	None
Plastic Card or PIN Rush Order	$35	per item	None
International Service Assessment	1%of the transaction	Not stated	None
Check Services
Cashier’s Check, per item (audience not stated, treated as personal)	$5	per item	None
Money Orders, per item (audience not stated, treated as personal)	$2	per item	None
Money Orders/Cashier’s Check Stop Payment: Per item	$30	per item	None
Stop Payment, per order (audience not stated, treated as personal)	$30	per item	None
Temporary Checks, per check (min. 4 checks)	$0.25	per item	None
Temporary Checks, per sheet of 4	$5	per item	None
Collection Item, per item: Incoming	$15	Not stated	None
Collection Item, per item: International	$25	Not stated	None
Collection Item, per item: Outgoing	$35	Not stated	None
Photocopy of Original Check, per copy	$2	per item	None
Digital & Electronic
ACH Origination Change, per item (audience not stated, treated as personal)	$25	per item	None
Account Services
Safe Deposit Box 10x10	$50	per year	None
Safe Deposit Box 10x10	$50	Not stated	None
Safe Deposit Box 3x10	$25	per year	None
Safe Deposit Box 3x10	$25	Not stated	None
Safe Deposit Box 3x5	$15	per year	None
Safe Deposit Box 3x5	$15	per year	None
Safe Deposit Box 5x10	$40	per year	None
Safe Deposit Box 5x10	$40	Not stated	None
Safe Deposit Drilling (audience not stated, treated as personal)	$250Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Key Replacement (audience not stated, treated as personal)	$30Not compared: Box drilling or key fee	Not stated	None
Compliance with Legal Order/Levy	$25	per item	None
Compliance with Legal Order/Levy	$50	per item	None
Retirement & IRA
IRA Transfer to Another Institution (audience not stated, treated as personal)	$25	Not stated	None
IRA Withdrawal, per withdrawal	$25	per item	None
IRA Withdrawal, per withdrawal	$25	per item	None
Gift & Prepaid Cards
Visa Gift Card, per card (audience not stated, treated as personal)	$5	per item	None
Other Fees
Monthly Statement Printout	$2Not compared: Monthly charge, not per item	per month	None
Monthly Statement Printout	$5Not compared: Monthly charge, not per item	per month	None
Photocopy, per page	$2	per item	None
Photocopy, per page	$1	per item	None
Loan Extension (Ag loans not included)	$35	Not stated	None
Loan Refinance (in house)	$75	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

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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