Compared with Montana
11 of 21
compared fees are above the median.
7 below, 3 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
97th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Montana median
of 21 compared; 7 below, 3 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Wolf Point 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 Montana median | Published fees above the Montana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Wolf Point 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 23% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (97th 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 $57K in Q2 2026, about level with the same quarter a year earlier ($57K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
11 of 21 compared published fees sit above the Montana median; 7 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 Montana medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Basic Share Draft Accounts $4 · Merit Share Draft Accounts $6
Compared at $5, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Montana, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income was about level from Q3 2025 to Q2 2026, at $57K. Its share of revenue, 23%, is above the 7.2% median for credit unions with under $300M in assets.
$57K
Wolf Point 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. *Monthly maintenance: Listed at $4 to $6; we compare the midpoint.
Wolf Point Federal Credit Union · $23M 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 |
|---|---|---|---|---|---|---|---|
| Wolf Point Federal Credit Union(this institution) | Wolf Point, MT | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Advantage One Federal Credit Union | Morrison, IL | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| American Pride Federal Credit Union | Altoona, PA | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bayou City Federal Credit Union | Houston, TX | $24M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Billerica Municipal Employees Federal Credit Union | Billerica, MA | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Chattahoochee Federal Credit Union | Valley, AL | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Express Federal Credit Union | Seattle, WA | $23M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Financial Educators Federal Credit Union | Daytona Beach, FL | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Glynn County Federal Employees | Brunswick, GA | $23M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hamakua Federal Credit Union | Pepeekeo, HI | $23M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Honeywell Philadelphia Div Federal Credit Union | Ft Washington, PA | $24M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Main Impact Federal Credit Union | Murray, KY | $23M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Members 1St Federal Credit Union | Brattleboro, VT | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Mid-State Federal Credit Union | Carteret, NJ | $23M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mint Valley Federal Credit Union | Longview, WA | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Monroe County Teachers Federal Credit Union | Key West, FL | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ontario Public Employees Federal Credit Union | Ontario, CA | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Priority Plus Federal Credit Union | Wilmington, DE | $23M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| S C I Federal Credit Union | Florence, SC | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Strategic Federal Credit Union | Sterling, VA | $23M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tee-Pak Federal Credit Union | Danville, IL | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Thiokol Elkton Federal Credit Union | Elkton, MD | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Trades & Labor Federal Credit Union | Albert Lea, MN | $23M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Unite Federal Credit Union | Cedar Falls, IA | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| West Penn P&P Federal Credit Union | Beaver, PA | $23M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Westmoreland Water Federal Credit Union | Greensburg, PA | $24M | 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 · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5, the middle of its two prices, against a peer median of $5 among 9 publishing peers.
Its two checking prices are $4 and $6.
$5 is a comparison price, not a fee anyone is charged.
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 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Wolf Point 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 | $57K | −$4K | −6.6% |
| Q1 2026 | $61K | +$1K | +1.7% |
| Q4 2025 | $60K | +$3K | +5.3% |
| Q3 2025 | $57K | $0 | 0.0% |
| Q2 2025 | $57K | $0 | 0.0% |
| Q1 2025 | $57K | +$3K | +5.6% |
| Q4 2024 | $54K | +$11K | +25.6% |
| Q3 2024 | $43K | −$4K | −8.5% |
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, Wolf Point 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 Wolf Point Federal Credit Union by share.
Amounts from Wolf Point Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per hour
per item
per item
per item
per item
per item
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per item
per item
per item
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per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Basic Share Draft Accounts Monthly service charge | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Merit Share Draft Accounts Monthly service charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closure < 90 DAYS | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee - Monthly | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Balancing Assistance | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Research | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail Fee | $2Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft Privilege | $32Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Bank Service for all NSF | $5Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Nonsufficient Funds ATM Withdrawal | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Nonsufficient Funds Debit Card Purchase | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Nonsufficient Funds Draft or Check | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Nonsufficient Funds Preauthorized Withdrawal | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Item Fee | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM Cash Withdrawal (Foreign) | $3Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM/Visa Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer (Domestic) Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer (Domestic) Incoming | $2Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire Transfer (Foreign) Outgoing | $45Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier's Checks | $3.50Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $1.50Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payments - All Items | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Canadian Check Deposit | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Foreign Item Collection Processing Fee | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Sight Draft and Collection Items | $35Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Official Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Share Draft (Check) Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Foreign Return Check Fee | $35Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Levy/Garnishment Processing | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Retirement & IRA | |||
| IRA Maintenance Fee | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| IRA Closing Fee | $5Below the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
| IRA Transfer | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Visa Travel Card reload | $6.50Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| FAX- Outgoing - After 3rd Page | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| FAX-Incoming | $2.50Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| FAX-Incoming - After 3rd Page | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| FAX-Outgoing | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Loan Application Fee | $20Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
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 Wolf Point Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Clive, IA | 1 |
| Glasgow, MT | 1 |
| Wolf Point, MT | 1 |
Largest competitors nearby
Local market: Roosevelt county, MT, around its headquarters.
| 3 in its local market | Deposit share |
|---|---|
| Opportunity Bank of Montana | 56.4% |
| Independence Bank | 43.6% |
| Froid Federal Credit Union | Credit union |
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.