Compared with Minnesota
13 of 23
compared fees are above the median.
4 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
59th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Minnesota median
of 23 compared; 4 below, 6 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for Building Trades 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. | Building Trades Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.5% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (59th 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 $289K in Q2 2026, 32% above the same quarter a year earlier ($219K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
13 of 23 compared published fees sit above the Minnesota median; 4 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
STEWARDSHIP CHECKING $9 · PERFORMANCE CHECKING $20
Compared at $14.50, the middle of its prices
NSF / Returned Item
Non-Network ATM
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 rose 18% from Q3 2025 to Q2 2026, to $289K. Its share of revenue, 8.5%, is above the 7.2% median for credit unions with under $300M in assets.
$289K
Building Trades 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 $9 to $20; we compare the midpoint.
Building Trades Federal Credit Union · $250M 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 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Building Trades Federal Credit Union(this institution) | Maple Grove, MN | $250M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Bossier Federal Credit Union | Bossier City, LA | $245M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Cedar Falls Community Federal Credit Union | Cedar Falls, IA | $252M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Citizens Community Federal Credit Union | Fort Dodge, IA | $254M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community West Federal Credit Union | Kentwood, MI | $252M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Geovista Federal Credit Union | Hinesville, GA | $247M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ghs Federal Credit Union | Binghamton, NY | $253M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Greater Alliance Federal Credit Union | Paramus, NJ | $248M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Illinois State Federal Credit Union | Normal, IL | $249M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Investex Federal Credit Union | Humble, TX | $245M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jersey Shore Federal Credit Union | Northfield, NJ | $246M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Keys Federal Credit Union | Key West, FL | $253M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Luso Federal Credit Union | Ludlow, MA | $245M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mc Federal Credit Union | Danville, PA | $247M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meritus Federal Credit Union | Lafayette, LA | $246M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nw Priority Federal Credit Union | Portland, OR | $248M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Pioneer Appalachia Federal Credit Union | Charleston, WV | $245M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pyramid Federal Credit Union | Tucson, AZ | $248M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Seaboard Federal Credit Union | Bucksport, ME | $246M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Shrewsbury Federal Credit Union | Shrewsbury, MA | $249M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southern Security Federal Credit Union | Collierville, TN | $252M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Sterling Federal Credit Union | Sterling, CO | $247M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Family Federal Credit Union | Davenport, IA | $253M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tongass Federal Credit Union | Ketchikan, AK | $252M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Truecore Federal Credit Union | Newark, OH | $255M | 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 · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $14.50, the middle of its two prices, against a peer median of $5 among 11 publishing peers.
Its two checking prices are $9 and $20.
$14.50 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 Oct 31, 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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Building Trades 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 | $289K | +$8K | +2.8% |
| Q1 2026 | $281K | −$25K | −8.2% |
| Q4 2025 | $306K | +$61K | +24.9% |
| Q3 2025 | $245K | +$26K | +11.9% |
| Q2 2025 | $219K | +$5K | +2.3% |
| Q1 2025 | $214K | −$10K | −4.5% |
| Q4 2024 | $224K | +$18K | +8.7% |
| Q3 2024 | $206K | +$9K | +4.6% |
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, Building Trades 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 Building Trades Federal Credit Union by share.
Amounts from Building Trades 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
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Performance Checking Monthly Fee | $20Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Stewardship Checking Monthly Fee | $9Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closure (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment | $100Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research/Reconciliation | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| Non-Sufficient Funds (NSF) (audience not stated, treated as personal) | $29Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Withdraws | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Debit Card Replacement (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Foreign transactions | 0.8%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer Domestic- Outgoing (audience not stated, treated as personal) | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Domestic- Incoming (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer International- Incoming (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment (audience not stated, treated as personal) | $29Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Starter Checks (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Non-member Check Cashing Service Fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Counting Services | No chargeInside the U.S. middle 50% ($0 to $2 nationally) | Not stated | None |
| Return Deposit Item (audience not stated, treated as personal) | $12Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Services | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Levies & Garnishments (audience not stated, treated as personal) | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA External Transfer (audience not stated, treated as personal) | $75Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Check Orders (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Duplicate Lien Release | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Duplicate Mortgage Satisfaction | $100Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Payment by ACH | No chargeBelow the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Payment Relief (Skip-A-Payment) (audience not stated, treated as personal) | $30Inside 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
Nov 3, 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 Building Trades Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Bloomington, MN | 1 |
| Maple Grove, MN | 1 |
| Shoreview, 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.