East River Federal Credit Union

Headquarters: Madison, South Dakota
Charter: Credit Union
Assets: $41.9M
Fed district: Minneapolis
Regulator: NCUA

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

Source: its fee schedule, read Oct 15, 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 15, 2026

How these figures are measured

Call-report figures are for East River 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.	East River Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 15, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: East River 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 $63K in Q2 2026, 19% below the same quarter a year earlier ($78K).
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)
East River Federal Credit Union: $30
East River Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Compared at $30, the middle of its prices
East River Federal Credit Union: $10 to $30
East River Federal Credit Union: $10 to $30
U.S. median: no median
Non-Network ATM
East River Federal Credit Union: No fee
East River Federal Credit Union: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 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 11% from Q3 2025 to Q2 2026, to $63K.

Fee income, Q2 2026

$63K

$71KQ3 2025

$62KQ4 2025

$71KQ1 2026

$63KQ2 2026

Against the median

East River 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

East River Federal Credit Union · $42M 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 17 states.

Credit unions only
$41M to $43M in assets
Headquartered in 17 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
East River Federal Credit Union(this institution)	Madison, SD	$42M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
B&V Federal Credit Union	Overland Park, KS	$43M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	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
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
City-County Employees Federal Credit Union	Clearwater, FL	$42M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Credit Union of Emporia	Emporia, KS	$42M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Golden Rule Community Federal Credit Union	Ripon, WI	$43M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
H E A Federal Credit Union	Warner Robins, GA	$43M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Haynes Community Federal Credit Union	Kokomo, IN	$42M	Monthly maintenance not published	Out-of-network ATM not published	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
M O Federal Credit Union	Huron, SD	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
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
Methuen Federal Credit Union	Methuen, MA	$42M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
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
Omaha Douglas Federal Credit Union	Omaha, NE	$43M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Parks Heritage Federal Credit Union	Glens Falls, NY	$42M	Monthly maintenance not published	Out-of-network ATM not published	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
Port City Federal Credit Union	Muskegon, MI	$42M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
River Region Federal Credit Union	Lutcher, LA	$42M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
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
Streator Community Federal Credit Union	Streator, IL	$42M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
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
Travis County Federal Credit Union	Austin, TX	$43M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(out-of-network atm)

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

Fee type

Peer pricing snapshot

Out-of-network ATM is $1 (100%) below the median of similar-sized credit unions.

Its published price is $0, against a peer median of $1 among 9 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 17, 2026.

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

East River Federal Credit…Peer (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 17, 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 East River 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: $63K
vs prior quarter: −$8K−11.3%; from Q1 2026
vs a year earlier: −$15K−19.2%; from Q2 2025
vs start of range: −$2K−3.1%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: East River 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	$63K	−$8K	−11.3%
Q1 2026	$71K	+$9K	+14.5%
Q4 2025	$62K	−$9K	−12.7%
Q3 2025	$71K	−$7K	−9.0%
Q2 2025	$78K	+$4K	+5.4%
Q1 2025	$74K	+$21K	+39.6%
Q4 2024	$53K	−$12K	−18.5%
Q3 2024	$65K	+$9K	+16.1%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Dormant Account -monthly$5
per month
Account Reconciliation & Research: Non-Members$5
Returned Mail for Incorrect Address$2

Overdraft & NSF

Overdraft Paid through Courtesy Pay$30
per item
Insufficient Funds (NSF) NSF Returned$30
Non-sufficient Funds (NSF) Returned$30
Return Check Order for Incorrect Address$10

ATM & Card

Foreign ATM – Per TransactionNo charge
per transaction
Replacement Card Order$10
Rush Card$25
Rush PINNo charge

Wire Transfers

Outgoing Wire$25
Incoming WireNo charge

Check Services

CU Check Stop Payment$35
Stop Payment: ACH Item$25
Temporary Checks, per 16 checks$5
CHECK CASHING ONUS: MembersNo charge
Draft Photocopy: Over 90 Days$5

Digital & Electronic

ACH Returned for Non-Sufficient funds (NSF)$30

Cash & Deposit

Return Deposit Item$30

Account Services

Legal Order/Levy (Compliance with)$30

Gift & Prepaid Cards

Gift Cards (Visa), per card: Members$3

Other Fees

Incoming FaxNo charge
Photocopy (per page over 10 pages)$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account -monthly	$5	per month	None
Account Reconciliation & Research: Non-Members	$5	Not stated	None
Returned Mail for Incorrect Address	$2	Not stated	None
Overdraft & NSF
Overdraft Paid through Courtesy Pay	$30	per item	None
Insufficient Funds (NSF) NSF Returned	$30	Not stated	None
Non-sufficient Funds (NSF) Returned	$30	Not stated	None
Return Check Order for Incorrect Address	$10	Not stated	None
ATM & Card
Foreign ATM – Per Transaction	No charge	per transaction	None
Replacement Card Order	$10	Not stated	None
Rush Card	$25	Not stated	None
Rush PIN	No charge	Not stated	None
Wire Transfers
Outgoing Wire	$25	Not stated	None
Incoming Wire	No charge	Not stated	None
Check Services
CU Check Stop Payment	$35	Not stated	None
Stop Payment: ACH Item	$25	Not stated	None
Temporary Checks, per 16 checks	$5	Not stated	None
CHECK CASHING ONUS: Members	No charge	Not stated	None
Draft Photocopy: Over 90 Days	$5	Not stated	None
Digital & Electronic
ACH Returned for Non-Sufficient funds (NSF)	$30	Not stated	None
Cash & Deposit
Return Deposit Item	$30	Not stated	None
Account Services
Legal Order/Levy (Compliance with)	$30	Not stated	None
Gift & Prepaid Cards
Gift Cards (Visa), per card: Members	$3	Not stated	None
Other Fees
Incoming Fax	No charge	Not stated	None
Photocopy (per page over 10 pages)	$0.25	per item	None

Correct a fee source

Oct 15, 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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