Compared with Minnesota
11 of 16
compared fees are above the median.
0 below, 5 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
52nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Minnesota median
of 16 compared; 0 below, 5 about the same
See the feesFee schedule read Oct 5, 2026
Call-report figures are for Wakota 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. | Wakota Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 5, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.4% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (52nd 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 $49K in Q2 2026, 53% above the same quarter a year earlier ($32K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
11 of 16 compared published fees sit above the Minnesota median; 0 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
Non-Network ATM
Compared at $1.75, the middle of its prices
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 11% from Q3 2025 to Q2 2026, to $49K. Its share of revenue, 7.4%, is above the 7.2% median for credit unions with under $300M in assets.
$49K
Wakota 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. *Non-network ATM: Listed at $1 to $2.50; we compare the midpoint.
Wakota Federal Credit Union · $45M in assets
Credit unions in Minnesota
Credit unions headquartered in the same state, for comparing published prices.
Showing the 50 closest in assets of 51 peers; medians use all 51.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Wakota Federal Credit Union(this institution) | South St Paul, MN | $45M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Affinity Plus Federal Credit Union | Saint Paul, MN | $5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Associated Healthcare Federal Credit Union | Woodbury, MN | $176M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Blaze Federal Credit Union | Falcon Heights, MN | $4.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 |
| City & County Federal Credit Union | Saint Paul, MN | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Co-Op Credit Union of Montevideo | Montevideo, MN | $423M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Crow Wing Power Federal Credit Union | Brainerd, MN | $126M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 |
| Ely Area Federal Credit Union | Ely, MN | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| 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 |
| Federated Employees Federal Credit Union | Owatonna, MN | $67M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Alliance Federal Credit Union | Rochester, MN | $358M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Harbor Pointe Federal Credit Union | Duluth, MN | $158M | 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 |
| Hibbing Cooperative Federal Credit Union | Hibbing, MN | $109M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 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 |
| 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 |
| Mid Minnesota Federal Credit Union | Baxter, MN | $858M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Minnesota Power Employees Federal Credit Union | Duluth, MN | $162M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Minnesota Valley Federal Credit Union | Mankato, MN | $329M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| My Federal Credit Union | Bloomington, MN | $366M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Memorial Federal Credit Union | Robbinsdale, MN | $51M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| North Star Federal Credit Union | Cook, MN | $116M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Northern Communities Federal Credit Union | Duluth, MN | $124M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northridge Community Federal Credit Union | Virginia, MN | $113M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northwoods Federal Credit Union | Cloquet, MN | $175M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 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 |
| 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 |
| Red Wing Federal Credit Union | Red Wing, MN | $208M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Share Advantage Federal Credit Union | Duluth, MN | $58M | Monthly maintenance not published | Publishes Out-of-network ATM | 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 |
| 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 |
| 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 |
| 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 |
| United Employees Federal Credit Union | Albert Lea, MN | $66M | 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.
51 peers selected · 13 publish this fee(monthly maintenance)
38 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $15, against a peer median of $7 among 13 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 Oct 29, 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.
Source: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.
Call reports for Wakota 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 | $49K | $0 | 0.0% |
| Q1 2026 | $49K | −$2K | −3.9% |
| Q4 2025 | $51K | −$4K | −7.3% |
| Q3 2025 | $55K | +$23K | +71.9% |
| Q2 2025 | $32K | −$39K | −54.9% |
| Q1 2025 | $71K | +$133K | |
| Q4 2024 | -$62K | −$167K | |
| Q3 2024 | $105K | $0 | 0.0% |
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, Wakota 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 Wakota Federal Credit Union by share.
Amounts from Wakota Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per transaction
per transaction
per item
per item
per item
per item
per item
per item
per item
per item
per month
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly maintenance (audience not stated, treated as personal) | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
ATM & Card | |||
| Balance inquiry at ATM | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Transaction at non-affiliated ATM | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Debit card replacement (audience not stated, treated as personal) | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card (Rush Order) | $75Above the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Check Services | |||
| Certified check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop payment (one item or series) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Collection item | $30Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Cleared check copy fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Deposited check copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Returned deposit /Loan payment | $10Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary service (non-member) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Box drilling fee | $300Not compared: Box drilling or key fee | Not stated | None |
| Replacement key fee | $100Not compared: Box drilling or key fee | Not stated | None |
| Including levy, writ, garnishment | $50Inside the U.S. middle 50% ($30 to $85.63 nationally) | per item | None |
| Subordination agreement | $150Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
Lending Fees | |||
| Late fee | $10Not compared: Monthly charge, not per item | per month | None |
Gift & Prepaid Cards | |||
| Visa gift card | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
| Visa prepaid travel card | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Courier fee | $50Above the U.S. middle 50% ($20 to $40 nationally) | per item | None |
| Statement copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan document fee - consumer | $75Above the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Loan document fee - real estate | $250Above the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Skip-a-pay fee | $50Above the U.S. middle 50% ($20 to $37.50 nationally) | per item | 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 5, 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 Wakota Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| South St Paul, MN | 1 |
Largest competitors nearby
Local market: Dakota county, MN, around its headquarters.
| 48 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 25.2% |
| U.S. Bank National Association | 16.1% |
| Old National Bank | 10% |
| Vermillion State Bank | 8.1% |
| The Huntington National Bank | 7.5% |
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.