Trades & Labor Federal Credit Union

Headquarters: Albert Lea, Minnesota
Charter: Credit Union
Assets: $23.0M
Fed district: Minneapolis

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

Source: its fee schedule, read Oct 5, 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 5, 2026

How these figures are measured

Call-report figures are for Trades & Labor 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.	Trades & Labor 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

Details

Source: NCUA 5300 call report
Entity: Trades & Labor 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 $98K in Q2 2026, 69% above the same quarter a year earlier ($58K).
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.

Overdraft (OD)
Trades & Labor Federal Credit Union: $30
Trades & Labor Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Compared at $25, the middle of its prices
Trades & Labor Federal Credit Union: $20 to $30
Trades & Labor Federal Credit Union: $20 to $30
U.S. median: no median
Wire Transfer (Domestic Out)
Trades & Labor Federal Credit Union: $20
Trades & Labor Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 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 rose 56% from Q3 2025 to Q2 2026, to $98K.

Fee income, Q2 2026

$98K

$63KQ3 2025

$66KQ4 2025

$59KQ1 2026

$98KQ2 2026

Against the median

Trades & Labor 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

Trades & Labor Federal Credit Union · $23M 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 22 states.

Credit unions only
$22M to $24M in assets
Headquartered in 22 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
Trades & Labor Federal Credit Union(this institution)	Albert Lea, MN	$23M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Advantage One Federal Credit Union	Morrison, IL	$24M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
American Pride Federal Credit Union	Altoona, PA	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Billerica Municipal Employees Federal Credit Union	Billerica, MA	$24M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Chattahoochee Federal Credit Union	Valley, AL	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Express Federal Credit Union	Seattle, WA	$23M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Financial Educators Federal Credit Union	Daytona Beach, FL	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Glynn County Federal Employees	Brunswick, GA	$23M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hamakua Federal Credit Union	Pepeekeo, HI	$23M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ibew/Sj Cascade Federal Credit Union	Salem, OR	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Local 804 Federal Credit Union	Port Washington, NY	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Main Impact Federal Credit Union	Murray, KY	$23M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Members 1St Federal Credit Union	Brattleboro, VT	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Mid-State Federal Credit Union	Carteret, NJ	$23M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mint Valley Federal Credit Union	Longview, WA	$24M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mopac Employees Federal Credit Union	Palestine, TX	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ontario Public Employees Federal Credit Union	Ontario, CA	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Priority Plus Federal Credit Union	Wilmington, DE	$23M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
S C I Federal Credit Union	Florence, SC	$24M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Steel Valley Federal Credit Union	Cleveland, OH	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Strategic Federal Credit Union	Sterling, VA	$23M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tandem Federal Credit Union	Warren, MI	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Unite Federal Credit Union	Cedar Falls, IA	$24M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
West Penn P&P Federal Credit Union	Beaver, PA	$23M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Westmoreland Water Federal Credit Union	Greensburg, PA	$24M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wolf Point Federal Credit Union	Wolf Point, MT	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Trades & Labor Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 8 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

Trades & Labor Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Trades & Labor Federal Cr…Peer (equal prices stack)Peer medianInclude 2 outliers ($0, $10)Shown past the axis break, not to scale, so the rest of the set has room.

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.

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 Trades & Labor 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: $98K
vs prior quarter: +$39K+66.1%; from Q1 2026
vs a year earlier: +$40K+69.0%; from Q2 2025
vs start of range: +$18K+22.5%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Trades & Labor 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	$98K	+$39K	+66.1%
Q1 2026	$59K	−$7K	−10.6%
Q4 2025	$66K	+$3K	+4.8%
Q3 2025	$63K	+$5K	+8.6%
Q2 2025	$58K	−$4K	−6.5%
Q1 2025	$62K	−$7K	−10.1%
Q4 2024	$69K	−$11K	−13.7%
Q3 2024	$80K	+$10K	+14.3%

Fee-income share against its size cohort

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

Published fee schedule

Amounts from Trades & Labor Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closure fee$20
Inactive Account/Dormant fee$25
Account Reconciliation fee$10
Account Research fee$15
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail Fee$3
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft fee$30
per item
Return Check fee$20
Returned Item fee$30
per item

ATM & Card

Card Replacement fee$5

Wire Transfers

Outgoing Wires Domestic Only$20

Check Services

Money Order fee$2.50
per item
Stop Payment fee$20
per item
Share Draft Copy Fee$2
per item

Account Services

Non-member notary$5

Lending Fees

Late fee after 15 days$30
Late Payment fee$20
UCC Filing Fees$20

Other Fees

Statement Copy fee$5
Not compared: Monthly charge, not per item
per month
Duplicate Lien Release$5

Fee	Amount	Basis	Note
Account Maintenance
Account Closure fee	$20	Not stated	None
Inactive Account/Dormant fee	$25	Not stated	None
Account Reconciliation fee	$10	Not stated	None
Account Research fee	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail Fee	$3Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft fee	$30	per item	None
Return Check fee	$20	Not stated	None
Returned Item fee	$30	per item	None
ATM & Card
Card Replacement fee	$5	Not stated	None
Wire Transfers
Outgoing Wires Domestic Only	$20	Not stated	None
Check Services
Money Order fee	$2.50	per item	None
Stop Payment fee	$20	per item	None
Share Draft Copy Fee	$2	per item	None
Account Services
Non-member notary	$5	Not stated	None
Lending Fees
Late fee after 15 days	$30	Not stated	None
Late Payment fee	$20	Not stated	None
UCC Filing Fees	$20	Not stated	None
Other Fees
Statement Copy fee	$5Not compared: Monthly charge, not per item	per month	None
Duplicate Lien Release	$5	Not stated	None

Correct a fee source

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.

Fee change alerts

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