Compared with South Dakota
4 of 18
compared fees are above the median.
8 below, 6 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
75th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the South Dakota median
of 18 compared; 8 below, 6 about the same
See the feesFee schedule read Oct 15, 2026
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) 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. | 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
Fee income was 11% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (75th 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 $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.
4 of 18 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.
Deposited Item Return
Overdraft (OD)
NSF / Returned Item
Compared at $30, 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 fell 11% from Q3 2025 to Q2 2026, to $63K. Its share of revenue, 11%, is above the 7.2% median for credit unions with under $300M in assets.
$63K
East River 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.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for East River 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 | $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% |
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, East River 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 East River Federal Credit Union by share.
Amounts from East River Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account -monthly | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation & Research: Non-Members | $5Below the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Returned Mail for Incorrect Address | $2Below the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Paid through Courtesy Pay | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Insufficient Funds (NSF) NSF Returned | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Non-sufficient Funds (NSF) Returned | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Return Check Order for Incorrect Address | $10Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM – Per Transaction | No chargeBelow the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Replacement Card Order | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Card | $25Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Rush PIN | No chargeBelow the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| CU Check Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment: ACH Item | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks, per 16 checks | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| CHECK CASHING ONUS: Members | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Draft Photocopy: Over 90 Days | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Returned for Non-Sufficient funds (NSF) | $30Inside the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Return Deposit Item | $30Above the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Legal Order/Levy (Compliance with) | $30Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards (Visa), per card: Members | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Incoming Fax | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy (per page over 10 pages) | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
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.
Where East River Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Madison, SD | 1 |
Largest competitors nearby
Local market: Lake county, SD, around its headquarters.
| 6 in its local market | Deposit share |
|---|---|
| First Bank & Trust | 37.2% |
| Wells Fargo Bank, National Association | 17.8% |
| BankWest, Inc. | 17.7% |
| First Interstate Bank | 13.6% |
| First PREMIER Bank | 9.9% |
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.