Compared with Minnesota
11 of 17
compared fees are above the median.
5 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
35th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Minnesota median
of 17 compared; 5 below, 1 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for North Memorial 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 Minnesota median | Published fees above the Minnesota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | North Memorial Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.2% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (35th 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 $39K in Q2 2026, 9.3% below the same quarter a year earlier ($43K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
11 of 17 compared published fees sit above the Minnesota median; 5 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 Minnesota medians for fees published by banks and credit unions.
Monthly Maintenance
NSF / Returned Item
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Minnesota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 9.3% from Q3 2025 to Q2 2026, to $39K. Its share of revenue, 5.2%, is below the 7.2% median for credit unions with under $300M in assets.
$39K
North Memorial 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.
North Memorial Federal Credit Union · $51M in assets
Banks and credit unions in the Minneapolis-St. Paul-Bloomington, MN-WI metro
Banks and credit unions with branches in the Minneapolis-St. Paul-Bloomington, MN-WI metro: the local competitors for deposits and customers. They range from $908K to $4.1T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
Showing the 50 closest in assets of 89 peers; medians use all 89.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| North Memorial Federal Credit Union(this institution) | Robbinsdale, MN | $51M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Arise Community Federal Credit Union | Minneapolis, MN | $908K | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ashland Federal Credit Union | Ashland, KY | $412M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Associated Healthcare Federal Credit Union | Woodbury, MN | $176M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BANKWEST | Rockford, MN | $240M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Building Trades Federal Credit Union | Maple Grove, MN | $250M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Carpenters Federal Credit Union | Saint Paul, MN | $44M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Castle Rock Bank | Castle Rock, MN | $294M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Bank Minnesota | New Ulm, MN | $596M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Independent Bank | Saint Louis Park, MN | $314M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Coulee Bank | La Crosse, WI | $524M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Drake Bank | Saint Paul, MN | $247M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Electric Machinery Employees Federal Credit Union | Minneapolis, MN | $8M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Expedition Federal Credit Union | Mendota Heights, MN | $223M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Falcon National Bank | Foley, MN | $872M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Farm Credit Employees Federal Credit Union | Saint Paul, MN | $17M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Pace Federal Credit Union | West St Paul, MN | $9M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| First State Bank and Trust | Bayport, MN | $499M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| First State Bank of Le Center | Le Center, MN | $110M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gateway Bank | Mendota Heights, MN | $320M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Harvest Bank | Kimball, MN | $355M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heartland Federal Credit Union | Inver Grove Heights, MN | $172M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lake Elmo Bank | Lake Elmo, MN | $530M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Latvian Federal Credit Union | Minneapolis, MN | $6M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Members Choice Wv Federal Credit Union | Charleston, WV | $94M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Metropolitan Services Federal Credit Union | Saint Paul, MN | $12M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Minnco Federal Credit Union | Cambridge, MN | $605M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Minnesota Catholic Federal Credit Union | Little Canada, MN | $39M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| My Federal Credit Union | Bloomington, MN | $366M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northeast Bank | Minneapolis, MN | $837M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Novation Federal Credit Union | Oakdale, MN | $244M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nsp Federal Credit Union | Maplewood, MN | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pine River State Bank | Pine River, MN | $185M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pipefitters-Steamfitters Federal Credit Union | Woodbury, MN | $52M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| PrinsBank | Prinsburg, MN | $308M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| River Falls State Bank | River Falls, WI | $143M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Security Financial Bank | Durand, WI | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Security State Bank of Marine | Marine On St. Croix, MN | $233M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sharepoint Federal Credit Union | Bloomington, MN | $360M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Smw Financial Federal Credit Union | Lino Lakes, MN | $87M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| South Metro Federal Credit Union | Prior Lake, MN | $185M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southpoint Financial Federal Credit Union | Sleepy Eye, MN | $609M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| St. Cloud Financial Federal Credit Union | Sartell, MN | $456M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Paul Federal Credit Union | Saint Paul, MN | $252M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Teamsters Federal Credit Union | Blaine, MN | $13M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank of Milaca | Milaca, MN | $293M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First State Bank of Rosemount | Rosemount, MN | $146M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The State Bank of Faribault | Faribault, MN | $329M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Unity One Federal Credit Union | Fort Worth, TX | $276M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| West Metro Schools Federal Credit Union | Hopkins, MN | $44M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
89 peers selected · 39 publish this fee(monthly maintenance)
50 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $7 among 39 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
Against this institution's monthly maintenance fee, among the 50 peers shown
Hamilton is the Fee Insight workspace for pricing teams.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for North Memorial 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 | $39K | −$3K | −7.1% |
| Q1 2026 | $42K | −$8K | −16.0% |
| Q4 2025 | $50K | +$7K | +16.3% |
| Q3 2025 | $43K | $0 | 0.0% |
| Q2 2025 | $43K | +$2K | +4.9% |
| Q1 2025 | $41K | −$17K | −29.3% |
| Q4 2024 | $58K | +$11K | +23.4% |
| Q3 2024 | $47K | +$4K | +9.3% |
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, North Memorial 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 North Memorial Federal Credit Union by share.
Amounts from North Memorial Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per month
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Checking Account Service Monthly service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Closure Fee (Closing account within 90 days of opening) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheat Processing | $35Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconciliation / Research | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Free monthly e-statements (paper statements | $5Above the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Paper Statement | $5Above the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Excessive Transaction | $10Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Returned Mail / Statements | $10Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| NSF | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM's per month | $1Not compared: Monthly charge, not per item | per month | None |
| Replacement Card | $20Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Rush Card | $25Below the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer Outgoing Domestic International | $25Below the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing - Government, Payroll and Social Security Checks | 3%($3 minimum) | Not stated | None |
| Check Cashing - Government, Payroll and Social Security Checks (audience not stated, treated as personal) | 3%($3 minimum) | Not stated | None |
| Collection Item | $20Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Statement Copy/Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Returned Deposit Item | No chargeBelow the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Levy/Garnishment | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Mortgage Subordination | $100Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Gift Card | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Prepaid Debit Card | $10Above the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Duplicate Lien Release | $20Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Mortgage Satisfaction | $55Above 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
Oct 16, 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 North Memorial Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 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
| Maple Grove, MN | 1 |
| Robbinsdale, MN | 1 |
Largest competitors nearby
Local market: Hennepin county, MN, around its headquarters.
| 81 in its local market | Deposit share |
|---|---|
| U.S. Bank National Association | 29.8% |
| Wells Fargo Bank, National Association | 26.7% |
| Ameriprise Bank, FSB | 16.6% |
| Bell Bank | 3.3% |
| BMO Bank National Association | 2.9% |
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.