Compared with New Mexico
4 of 15
compared fees are above the median.
9 below, 2 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
18th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New Mexico median
of 15 compared; 9 below, 2 about the same
See the feesFee schedule read Oct 14, 2026
Call-report figures are for Sandia Area 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 452 credit unions with $1B to $10B 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 New Mexico median | Published fees above the New Mexico median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Sandia Area Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 3.7% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (18th 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 $759K in Q2 2026, 3.7% below the same quarter a year earlier ($788K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 15 compared published fees sit above the New Mexico median; 9 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 New Mexico medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Non-Network ATM
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 15% from Q3 2025 to Q2 2026, to $759K. Its share of revenue, 3.7%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$759K
Sandia Area 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Sandia Area Federal Credit Union · $1.4B 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 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Sandia Area Federal Credit Union(this institution) | Albuquerque, NM | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| American First Federal Credit Union | Brea, CA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Avadian Federal Credit Union | Birmingham, AL | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community Credit Union of Florida | Rockledge, FL | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Financial Federal Credit Union | Plymouth, MI | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union West | Glendale, AZ | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Directions Federal Credit Union | Toledo, OH | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| East Texas Professional Federal Credit Union | Longview, TX | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Educational Systems Federal Credit Union | Greenbelt, MD | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Commonwealth Federal Credit Union | Lehigh Valley, PA | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Great Lakes Federal Credit Union | Bannockburn, IL | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Launch Credit Union | Merritt Island, FL | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Leaders Credit Union | Jackson, TN | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Listerhill Federal Credit Union | Sheffield, AL | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Los Angeles Police Federal Credit Union | Van Nuys, CA | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Multipli Federal Credit Union | Jefferson City, MO | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Neighbors Federal Credit Union | Baton Rouge, LA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Notre Dame Federal Credit Union | Notre Dame, IN | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Onpath Federal Credit Union | Metairie, LA | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Park Federal Credit Union | Louisville, KY | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Quorum Federal Credit Union | Purchase, NY | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| S. C. State Federal Credit Union | Columbia, SC | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sharon & Crescent United Federal Credit Union | Sharon, MA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sikorsky Financial Federal Credit Union | Stratford, CT | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| U.S. Eagle Federal Credit Union | Albuquerque, NM | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| University Of Michigan Federal Credit Union | Ann Arbor, MI | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8 among 17 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 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Sandia Area 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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Sandia Area 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 | $759K | +$14K | +1.9% |
| Q1 2026 | $745K | −$199K | −21.1% |
| Q4 2025 | $944K | +$47K | +5.2% |
| Q3 2025 | $897K | +$109K | +13.8% |
| Q2 2025 | $788K | +$17K | +2.2% |
| Q1 2025 | $771K | −$13K | −1.7% |
| Q4 2024 | $784K | −$10K | −1.3% |
| Q3 2024 | $794K | +$66K | +9.1% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Sandia Area 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 Sandia Area Federal Credit Union by share.
Amounts from Sandia Area Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Close Account (within 1 year of opening) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account (balance less than $500, no activity for 1 year) | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account/Check Book Balancing/Audit/Research (1 hour minimum) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail (incorrect address) | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft (Paid NSF) | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds (NSF) | $9Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Non-CU Anytime ATM Balance Inquiry/ATM WIthdrawal | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement Plastic Card (Debit/Credit Card) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Electronic Transfer Domestic (wires) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Electronic Transfer International (wires) | $35Below the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Stop Payment | $29Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Collection Item Fee | $12Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Check Copy (After 10 transactions) | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Mobile Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposit Item | $9Inside the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Notary | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Drilling the greater | $100Not compared: Box drilling or key fee | Not stated | None |
| Late Fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Replacement Key | $10Not compared: Box drilling or key fee | per item | None |
| Legal Processing (garnishment and subpoena) | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Other Fees | |||
| Copy of Merchant Ticket (CU Anytime, debit card, credit card) | $15Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copy (including interim) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 14, 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 Sandia Area 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.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Albuquerque, NM | 6 |
| Rio Rancho, NM | 1 |
| Santa Fe, NM | 1 |
Largest competitors nearby
Local market: Bernalillo county, NM, around its headquarters.
| 31 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 28.2% |
| Wells Fargo Bank, National Association | 16.7% |
| BOKF, National Association | 14.1% |
| UMB Bank, National Association | 7.2% |
| BMO Bank National Association | 5.8% |
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.