Carpenters Federal Credit Union

Headquarters: Saint Paul, Minnesota
Charter: Credit Union
Assets: $44.3M
Fed district: Minneapolis
Regulator: NCUA

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

Source: its fee schedule, read Oct 16, 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 16, 2026

How these figures are measured

Call-report figures are for Carpenters 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.	Carpenters Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 16, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Carpenters 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 $288K in Q2 2026, 7.1% above the same quarter a year earlier ($269K).
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
Carpenters Federal Credit Union: $30
Carpenters Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Carpenters Federal Credit Union: $3
Carpenters Federal Credit Union: $3
U.S. median: no median
Wire Transfer (Domestic Out)
Carpenters Federal Credit Union: $30
Carpenters 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 16, 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 8.3% from Q3 2025 to Q2 2026, to $288K.

Fee income, Q2 2026

$288K

$314KQ3 2025

$325KQ4 2025

$293KQ1 2026

$288KQ2 2026

Against the median

Carpenters 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

Carpenters Federal Credit Union · $44M 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.

Credit unions only
$43M to $45M in assets
Headquartered in 19 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
Carpenters Federal Credit Union(this institution)	Saint Paul, MN	$44M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Access Of Louisiana Federal Credit Union	Lake Charles, LA	$44M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
B.O.N.D. Community Federal Credit Union	Atlanta, GA	$44M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Business And Industrial Federal Credit Union	Columbus, IN	$45M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
California Adventist Federal Credit Union	Glendale, CA	$45M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cherokee County Federal Credit Union	Rusk, TX	$45M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Collegedale Federal Credit Union	Collegedale, TN	$45M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Eastern Indiana Federal Credit Union	New Castle, IN	$44M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Edu Federal Credit Union	New Castle, DE	$44M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Ft Randall Federal Credit Union	Wagner, SD	$44M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Geismar Complex Federal Credit Union	Geismar, LA	$45M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Kemba Charleston Federal Credit Union	Dunbar, WV	$45M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Lakeside Federal Credit Union	New Johnsonville, TN	$45M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Les Federal Credit Union	Baton Rouge, LA	$45M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mcpherson Co-Op Federal Credit Union	Mcpherson, KS	$44M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Members Federal Credit Union	Stamford, CT	$44M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mississippi National Guard Federal Credit Union	Jackson, MS	$43M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northern New Mexico School Employee Federal Credit Union	Santa Fe, NM	$45M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Saint Francis Employees Federal Credit Union	Tulsa, OK	$45M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sioux Valley Community Federal Credit Union	Sioux City, IA	$44M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Solutions Federal Credit Union	Elmira, NY	$43M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Vantage Point Federal Credit Union	Hopewell, VA	$45M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Wakota Federal Credit Union	South St Paul, MN	$45M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
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
Wyrope Williamsport Federal Credit Union	S Williamsport, PA	$44M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
York Educational Federal Credit Union	York, PA	$43M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(out-of-network atm)

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

Fee type

Peer pricing snapshot

Out-of-network ATM is $2 (200%) above the median of similar-sized credit unions.

Its published price is $3, against a peer median of $1 among 10 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 30, 2026.

Out-of-network ATM fee in dollars, one mark per institution

Carpenters Federal Credit…Peer (equal prices stack)Peer medianInclude $3 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's out-of-network atm fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 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 Carpenters 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: $288K
vs prior quarter: −$5K−1.7%; from Q1 2026
vs a year earlier: +$19K+7.1%; from Q2 2025
vs start of range: +$12K+4.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Carpenters 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	$288K	−$5K	−1.7%
Q1 2026	$293K	−$32K	−9.8%
Q4 2025	$325K	+$11K	+3.5%
Q3 2025	$314K	+$45K	+16.7%
Q2 2025	$269K	−$14K	−4.9%
Q1 2025	$283K	−$18K	−6.0%
Q4 2024	$301K	+$25K	+9.1%
Q3 2024	$276K	+$50K	+22.1%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Dormant Account Fee$20
per month
Account Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Statement Fee$5
per item
Bad Address – No Forwarding or Returned$10
Not compared: Per-item charge, not monthly
per item
Bad Address – No Forwarding or Returned Statement/Mail$5
per month

Overdraft & NSF

Non-Sufficient Funds Items$30
per item
Negative Balance Fee$30
Manual Transfer to Avoid Overdraft$5
per item

ATM & Card

5 or more ATM withdrawals in a single month$3
per item

Wire Transfers

Wire Transfer (domestic)$30
per item

Check Services

Withdrawal by Official Check Payable to Others$5
per item
Stop Payment Fee$30
per item
Non-Member Check Cashing On Us Fee$20
per item
Photocopy of Check$10
per item

Digital & Electronic

Bill Pay$4.95
per month

Cash & Deposit

Cash Advance (VISA)$20
per item
Returned Deposit/Loan Payment$30
per item

Account Services

Levy/Garnishment$50
per item

Gift & Prepaid Cards

VISA Gift Cards$2.50
per item

Other Fees

Copy of Statement$10
per item
History Copy Fee$5
Loan Modification Fee$300

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$20	per month	None
Account Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Statement Fee	$5	per item	None
Bad Address – No Forwarding or Returned	$10Not compared: Per-item charge, not monthly	per item	None
Bad Address – No Forwarding or Returned Statement/Mail	$5	per month	None
Overdraft & NSF
Non-Sufficient Funds Items	$30	per item	None
Negative Balance Fee	$30	Not stated	None
Manual Transfer to Avoid Overdraft	$5	per item	None
ATM & Card
5 or more ATM withdrawals in a single month	$3	per item	None
Wire Transfers
Wire Transfer (domestic)	$30	per item	None
Check Services
Withdrawal by Official Check Payable to Others	$5	per item	None
Stop Payment Fee	$30	per item	None
Non-Member Check Cashing On Us Fee	$20	per item	None
Photocopy of Check	$10	per item	None
Digital & Electronic
Bill Pay	$4.95	per month	None
Cash & Deposit
Cash Advance (VISA)	$20	per item	None
Returned Deposit/Loan Payment	$30	per item	None
Account Services
Levy/Garnishment	$50	per item	None
Gift & Prepaid Cards
VISA Gift Cards	$2.50	per item	None
Other Fees
Copy of Statement	$10	per item	None
History Copy Fee	$5	Not stated	None
Loan Modification Fee	$300	Not stated	None

Correct a fee source

Oct 16, 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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