South Metro Federal Credit Union

Headquarters: Prior Lake, Minnesota
Charter: Credit Union
Assets: $184.8M
Fed district: Minneapolis
Regulator: NCUA

23 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 20, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 20, 2026

How these figures are measured

Call-report figures are for South Metro 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	South Metro Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 20, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: South Metro Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $140K in Q2 2026, 16% below the same quarter a year earlier ($167K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
South Metro Federal Credit Union: $15
South Metro Federal Credit Union: $15
U.S. median: no median
Non-Network ATM
South Metro Federal Credit Union: $2
South Metro Federal Credit Union: $2
U.S. median: no median
Wire Transfer (Domestic Out)
South Metro Federal Credit Union: $30
South Metro Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income fell 1.4% from Q3 2025 to Q2 2026, to $140K.

Fee income, Q2 2026

$140K

$142KQ3 2025

$179KQ4 2025

$122KQ1 2026

$140KQ2 2026

Against the median

South Metro Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

South Metro Federal Credit Union · $185M 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.

Credit unions only
$181M to $188M in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
South Metro Federal Credit Union(this institution)	Prior Lake, MN	$185M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Alden Federal Credit Union	Chicopee, MA	$185M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Appalachian Community Federal Credit Union	Kingsport, TN	$183M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Century Federal Credit Union	Saint Louis, MO	$182M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Chemcel Federal Credit Union	Bishop, TX	$184M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cincinnati Ohio Police Federal Credit Union	Cincinnati, OH	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Democracy Federal Credit Union	Alexandria, VA	$188M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Choice Financial Federal Credit Union	Gloversville, NY	$184M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Nebraska Federal Credit Union	Omaha, NE	$184M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Heritage South Federal Credit Union	Sylacauga, AL	$184M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Horizon Utah Federal Credit Union	Farmington, UT	$185M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Infirst Federal Credit Union	Alexandria, VA	$186M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Journey Federal Credit Union	Saint Johns, MI	$187M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lincone Federal Credit Union	Lincoln, NE	$184M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lone Star Federal Credit Union	Dallas, TX	$188M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Magnolia Federal Credit Union	Jackson, MS	$186M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members' Advantage Federal Credit Union	Wisconsin Rapids, WI	$185M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Miami Postal Service Federal Credit Union	Miami, FL	$184M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mid Carolina Federal Credit Union	Lugoff, SC	$182M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Priority First Federal Credit Union	Du Bois, PA	$187M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Puerto Rico Federal Credit Union	Caparra, PR	$188M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Safe Harbor Federal Credit Union	Ludington, MI	$184M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Southwest Louisiana Federal Credit Union	Lake Charles, LA	$183M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Ufcw Community Federal Credit Union	Wyoming, PA	$181M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Western Sun Federal Credit Union	Broken Arrow, OK	$181M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Xcel Federal Credit Union	Bloomfield, NJ	$186M	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.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

South Metro Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5.48 among 12 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 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

South Metro Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

South Metro Federal Credi…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for South Metro Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $140K
vs prior quarter: +$18K+14.8%; from Q1 2026
vs a year earlier: −$27K−16.2%; from Q2 2025
vs start of range: −$10K−6.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: South Metro Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$140K	+$18K	+14.8%
Q1 2026	$122K	−$57K	−31.8%
Q4 2025	$179K	+$37K	+26.1%
Q3 2025	$142K	−$25K	−15.0%
Q2 2025	$167K	+$16K	+10.6%
Q1 2025	$151K	−$25K	−14.2%
Q4 2024	$176K	+$26K	+17.3%
Q3 2024	$150K	−$32K	−17.6%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from South Metro Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$10
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Returned Item$15
Overdraft Protection – Transfer From SavingsNo charge

ATM & Card

Other ATM Networks$2
per transaction
Replacement Debit Card$10
Expedited Card Delivery$55

Wire Transfers

Wire Services: Outgoing Domestic$30
Wire Services: Incoming Domestic$10
Wire Services: Outgoing International$50
Wire Services: Incoming International$20

Check Services

Cashiers Check$5
Money Order$2
Stop Payment – Check, ACH & Zelle$25
Collection Items$35
Foreign Check Collection$10
per item
Copy of Check$5

Digital & Electronic

Bill Pay MonthlyNo charge
per month
Bill Pay Per TransactionNo charge
Not compared: Per-transaction charge, not monthly
per transaction
Bill Pay Same Day$9.95
Not compared: Per-item charge, not monthly
per item
Mobile DepositNo charge

Cash & Deposit

Coin Counting MemberNo charge

Account Services

Notary Service MemberNo charge
Notary Service Non-Member$5
3 x 10 Box Rental$50
per year
3 x 5 Box Rental$35
per year
5 x 10 Box Rental$65
per year
Drilling of Box$200
Not compared: Box drilling or key fee
Replacement Key$25
Not compared: Box drilling or key fee
Garnishment$60
Tax Levy$60

Gift & Prepaid Cards

VISA Gift Card – Not Reloadable$5

Other Fees

Copy of Statement$5

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$10	per month	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Returned Item	$15	Not stated	None
Overdraft Protection – Transfer From Savings	No charge	Not stated	None
ATM & Card
Other ATM Networks	$2	per transaction	None
Replacement Debit Card	$10	Not stated	None
Expedited Card Delivery	$55	Not stated	None
Wire Transfers
Wire Services: Outgoing Domestic	$30	Not stated	None
Wire Services: Incoming Domestic	$10	Not stated	None
Wire Services: Outgoing International	$50	Not stated	None
Wire Services: Incoming International	$20	Not stated	None
Check Services
Cashiers Check	$5	Not stated	None
Money Order	$2	Not stated	None
Stop Payment – Check, ACH & Zelle	$25	Not stated	None
Collection Items	$35	Not stated	None
Foreign Check Collection	$10	per item	None
Copy of Check	$5	Not stated	None
Digital & Electronic
Bill Pay Monthly	No charge	per month	None
Bill Pay Per Transaction	No chargeNot compared: Per-transaction charge, not monthly	per transaction	None
Bill Pay Same Day	$9.95Not compared: Per-item charge, not monthly	per item	None
Mobile Deposit	No charge	Not stated	None
Cash & Deposit
Coin Counting Member	No charge	Not stated	None
Account Services
Notary Service Member	No charge	Not stated	None
Notary Service Non-Member	$5	Not stated	None
3 x 10 Box Rental	$50	per year	None
3 x 5 Box Rental	$35	per year	None
5 x 10 Box Rental	$65	per year	None
Drilling of Box	$200Not compared: Box drilling or key fee	Not stated	None
Replacement Key	$25Not compared: Box drilling or key fee	Not stated	None
Garnishment	$60	Not stated	None
Tax Levy	$60	Not stated	None
Gift & Prepaid Cards
VISA Gift Card – Not Reloadable	$5	Not stated	None
Other Fees
Copy of Statement	$5	Not stated	None

Correct a fee source

Oct 20, 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.

Fee change alerts

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