Compared with Vermont
3 of 14
compared fees are above the median.
7 below, 4 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
67th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Vermont median
of 14 compared; 7 below, 4 about the same
See the feesFee schedule read Oct 14, 2026
Call-report figures are for North Country 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 Vermont median | Published fees above the Vermont median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | North Country 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 7.9% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (67th 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 $1.5M in Q2 2026, 7.2% above the same quarter a year earlier ($1.4M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 14 compared published fees sit above the Vermont 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 Vermont medians for fees published by banks and credit unions.
Overdraft (OD)
Compared at $15, its standard fee, the highest of its prices
NSF / Returned Item
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for Vermont, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 4.1% from Q3 2025 to Q2 2026, to $1.5M. Its share of revenue, 7.9%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$1.5M
North Country 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. *Overdraft: Listed at $5 to $15; we compare the highest.
North Country Federal Credit Union · $1.1B 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 |
|---|---|---|---|---|---|---|---|
| North Country Federal Credit Union(this institution) | Burlington, VT | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Abbott Laboratories Federal Credit Union | Gurnee, IL | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Alliance Federal Credit Union | Lubbock, TX | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Atlantic Regional Federal Credit Union | South Portland, ME | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Clearwater Federal Credit Union | Missoula, MT | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community 1St Federal Credit Union | Ottumwa, IA | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Source Federal Credit Union | New Hartford, NY | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Fivepoint Federal Credit Union | Nederland, TX | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hawaiian Financial Federal Credit Union | Honolulu, HI | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Justice Federal Credit Union | Chantilly, VA | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kirtland Federal Credit Union | Albuquerque, NM | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lafcu Federal Credit Union | Lansing, MI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Marine Federal Credit Union | La Crosse, WI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Members Cooperative Federal Credit Union | Duluth, MN | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Michigan Educational Federal Credit Union | Plymouth, MI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Neighborhood Federal Credit Union | Dallas, TX | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peach State Federal Credit Union | Lawrenceville, GA | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Radiant Federal Credit Union | Gainesville, FL | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Safe 1 Federal Credit Union | Bakersfield, CA | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Salal Federal Credit Union | Seattle, WA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Seattle Metropolitan Federal Credit Union | Seattle, WA | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Topline Financial Federal Credit Union | Maple Grove, MN | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| University Federal Credit Union | Los Angeles, CA | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Utah Power Federal Credit Union | Murray, UT | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Vantage Federal Credit Union | Saint Charles, MO | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Vermont Federal Credit Union | So Burlington, VT | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | 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
The peer median is $6.50 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 Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
North Country 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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for North Country 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 | $1.5M | −$5K | −0.3% |
| Q1 2026 | $1.5M | −$235K | −13.4% |
| Q4 2025 | $1.8M | +$299K | +20.6% |
| Q3 2025 | $1.5M | +$43K | +3.0% |
| Q2 2025 | $1.4M | +$115K | +8.9% |
| Q1 2025 | $1.3M | −$392K | −23.2% |
| Q4 2024 | $1.7M | +$336K | +24.9% |
| Q3 2024 | $1.4M | +$47K | +3.6% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, North Country 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 Country Federal Credit Union by share.
Amounts from North Country Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Share Balance Under $5.00 | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Share Draft | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research/Balancing | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excess Withdrawal (MMA) | $10Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft (OD) | $5Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft NSF Fee | $15Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Privilege Fee - Paid Items | $15Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Pathways Checking Overdraft NSF Fee | $5Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned For NSF/Uncollected Funds | $15Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Sustained overdraft fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Transfer from Overdraft Loan | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Out of Network Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Card Replacement | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fees: Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Official Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Canadian Check Collection | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Other Foreign Check Collection | $50Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copy | $2.50Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposit Fee | $20Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
| Returned Deposit Fee - Same Maker | $17.50Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary Public | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Drilling | $250Not compared: Box drilling or key fee | Not stated | None |
| Key Replacement | $20Not compared: Box drilling or key fee | Not stated | None |
| Legal Process (Levy, etc.) | $35Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| External Loan Payments by Phone | $15Below 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 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 North Country Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
13 offices in 2 states (June 30, 2026)
Each dot is one office.
12 of 13 offices on the map.
Cities with the most offices
| Barre, VT | 2 |
| Alburgh, VT | 1 |
| Burlington, VT | 1 |
| Colchester, VT | 1 |
| E Montpelier, VT | 1 |
| Lyndonville, VT | 1 |
| Mooers, NY | 1 |
| Morrisville, VT | 1 |
Largest competitors nearby
Local market: Chittenden county, VT, around its headquarters.
| 15 in its local market | Deposit share |
|---|---|
| Manufacturers and Traders Trust Company | 31.4% |
| TD Bank, National Association | 27.4% |
| KeyBank National Association | 11.4% |
| Community Bank, National Association | 8.2% |
| Northfield Savings Bank | 5.2% |
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.