Compared with South Dakota
12 of 21
compared fees are above the median.
8 below, 1 about the same.
About the same: within 1% of the median.
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
56th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the South Dakota median
of 21 compared; 8 below, 1 about the same
See the feesFee schedule read Nov 1, 2026
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) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the South Dakota median | Published fees above the South Dakota 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
Fee income was 8.1% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (56th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
12 of 21 compared published fees sit above the South Dakota median; 8 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with South Dakota medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $0.88, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Compared at $31, the middle of its prices
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.
Fee income rose 25% from Q3 2025 to Q2 2026, to $249K. Its share of revenue, 8.1%, is above the 7.2% median for credit unions with under $300M in assets.
$249K
Sentinel Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $0.50 to $1.25; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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.
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.
Call reports for Sentinel 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 | $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% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Sentinel Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Sentinel Federal Credit Union by share.
Amounts from Sentinel Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per item
per hour
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per year
per year
per year
per year
per year
per item
per item
per item
per item
per item
per month
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Early account closure fee | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Maintenance, per month (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maintenance fee | $5Below the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Reconciliation | $5Below the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Excessive transaction fee (Reg D limits) | $15Above the U.S. middle 50% ($3 to $10 nationally) | 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) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft, each overdraft paid per item | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft, each overdraft paid per item (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Check Written by Member, per item (audience not stated, treated as personal) | $27Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned NSF Item, per item (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Notification of Automatic Transfer to Cover Overdraft | $30Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Account Balance Inquiry, per inquiry | $0.50Below the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Non-SFCU Owned ATMs: Withdrawals/Transfers, per item (audience not stated, treated as personal) | $1.25Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Plastic Card Replacement (audience not stated, treated as personal) | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Plastic Card or PIN Rush Order | $35Inside the U.S. middle 50% ($30 to $50 nationally) | 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) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders, per item (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Money Orders/Cashier’s Check Stop Payment: Per item | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment, per order (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks, per check (min. 4 checks) | $0.25Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Temporary Checks, per sheet of 4 | $5Above the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Collection Item, per item: Incoming | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Item, per item: International | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Item, per item: Outgoing | $35Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Photocopy of Original Check, per copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination Change, per item (audience not stated, treated as personal) | $25Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Account Services | |||
| Safe Deposit Box 10x10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10x10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x10 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x10 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3x5 | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x5 | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | 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 | $25Below the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Compliance with Legal Order/Levy | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Retirement & IRA | |||
| IRA Transfer to Another Institution (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
| IRA Withdrawal, per withdrawal | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
| IRA Withdrawal, per withdrawal | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Card, per card (audience not stated, treated as personal) | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | 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 | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopy, per page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Loan Extension (Ag loans not included) | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Refinance (in house) | $75Above the U.S. middle 50% ($20 to $37.50 nationally) | 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
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.
Where Sentinel Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
8 offices in 1 state (June 30, 2026)
Each dot is one office.
7 of 8 offices on the map. 1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Box Elder, SD | 2 |
| Rapid City, SD | 2 |
| Custer, SD | 1 |
| Ellsworth Afb, SD | 1 |
| Hill City, SD | 1 |
| Winner, SD | 1 |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.