Compared with Illinois
1 of 20
compared fees are above the median.
15 below, 4 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
83rd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Illinois median
of 20 compared; 15 below, 4 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for South Side Community 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 Illinois median | Published fees above the Illinois median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | South Side Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 14% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (83rd 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 $9K in Q2 2026, 18% below the same quarter a year earlier ($11K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
1 of 20 compared published fees sit above the Illinois median; 15 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 Illinois medians for fees published by banks and credit unions.
Monthly Maintenance
Service Charge / Personal Checking
Overdraft (OD)
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Illinois, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 18% from Q3 2025 to Q2 2026, to $9K. Its share of revenue, 14%, is above the 7.2% median for credit unions with under $300M in assets.
$9K
South Side Community 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.
South Side Community Federal Credit Union · $6M in assets
Banks and credit unions in the Chicago-Naperville-Elgin, IL-IN metro
Banks and credit unions with branches in the Chicago-Naperville-Elgin, IL-IN metro: the local competitors for deposits and customers. They range from $1M to $4.1T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
Showing the 50 closest in assets of 140 peers; medians use all 140.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| South Side Community Federal Credit Union(this institution) | Chicago, IL | $6M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 1st Equity Bank | Skokie, IL | $130M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| A.A.E.C. Federal Credit Union | Arlington Heights, IL | $119M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Access Federal Credit Union | Broadview, IL | $58M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Acme Continental Federal Credit Union | Riverdale, IL | $62M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Actors Federal Credit Union | New York, NY | $331M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of Wolcott | Wolcott, IN | $280M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Brickyard Bank | Lincolnwood, IL | $159M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Canals & Trails Federal Credit Union | Lockport, IL | $34M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cbi Federal Credit Union | Plainfield, IL | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central Credit Union of Illinois | Bellwood, IL | $123M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Chicago Firefighter'S Federal Credit Union | Chicago, IL | $93M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Chicago Post Office Employees Federal Credit Union | Chicago, IL | $28M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Chiphone Federal Credit Union | Elkhart, IN | $112M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Elca Federal Credit Union | Chicago, IL | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Evergreen Park Schools Federal Credit Union | Evergreen Park, IL | $10M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Federated Bank | Onarga, IL | $140M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Fellowship Baptist Church Federal Credit Union | Chicago, IL | $1M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Finans Federal Credit Union | Hammond, IN | $9M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Bank and Trust Company of Illinois | Palatine, IL | $229M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank of Manhattan | Manhattan, IL | $266M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Eagle Federal Credit Union | Owings Mills, MD | $109M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Northern Federal Credit Union | Chicago, IL | $333M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Secure State Bank | Wonder Lake, IL | $306M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Florida Customs Federal Credit Union | Tampa, FL | $7M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Forest Park National Bank and Trust Company | Forest Park, IL | $322M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fox Valley Federal Credit Union | Aurora, IL | $46M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gesb Sheet Metal Workers Federal Credit Union | Portage, IN | $12M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Illiana Financial Federal Credit Union | Calumet City, IL | $264M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Joliet Municipal Employees Federal Credit Union | joliet, IL | $11M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Local 697 Federal Credit Union | Merrillville, IN | $49M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Maroon Financial Federal Credit Union | Chicago, IL | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Members Advantage Federal Credit Union | Michigan City, IN | $132M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Members Source Federal Credit Union | Merrillville, IN | $92M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Metro Federal Credit Union | Arlington Heights, IL | $80M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Metropolitan "L" Federal Credit Union | Oak Park, IL | $9M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Midwest Coalition Of Labor Federal Credit Union | Countryside, IL | $77M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Molex Employees Federal Credit Union | Lisle, IL | $7M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mutual Federal Bank | Chicago, IL | $97M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New Century Federal Credit Union | Joliet, IL | $60M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| North Side Federal Savings and Loan Association of Chicago | Chicago, IL | $42M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northern Illinois Federal Credit Union | Dekalb, IL | $18M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northside L Federal Credit Union | Broadview, IL | $5M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northwest Municipal Federal Credit Union | Des Plaines, IL | $41M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| OSB Community Bank | Ottawa, IL | $356M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Planites Federal Credit Union | Chicago, IL | $40M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Prairie Community Bank | Marengo, IL | $188M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Profinance Federal Credit Union | Merrillville, IN | $15M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Regional Federal Credit Union | Winfield, IN | $180M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Town Center Bank | Frankfort, IL | $181M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| U S #1364 Federal Credit Union | Merrillville, IN | $222M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
140 peers selected · 63 publish this fee(monthly maintenance)
77 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $9 among 63 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 2, 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.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for South Side Community 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 | $9K | −$1K | −10.0% |
| Q1 2026 | $10K | −$1K | −9.1% |
| Q4 2025 | $11K | $0 | 0.0% |
| Q3 2025 | $11K | $0 | 0.0% |
| Q2 2025 | $11K | $0 | 0.0% |
| Q1 2025 | $11K | $0 | 0.0% |
| Q4 2024 | $11K | $0 | 0.0% |
| Q3 2024 | $11K | −$2K | −15.4% |
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, South Side Community 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 South Side Community Federal Credit Union by share.
Amounts from South Side Community 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
per item
per item
per page
per page
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Service Charge / Personal Checking (Balance <$50) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Closing Fee | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account / Checking (60 Days Inactive) | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account / Share (24 mos. Inactive) | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft (NSF) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
ATM & Card | |||
| Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Tansfer Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Official Check (To a Third Party) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Share Draft / ACH Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment / Share Draft or ACH | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Teller Check Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of paid draft | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Return Item | $25Inside the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposit Return Item | $15Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Garnishments / Levy / Citations | $50Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| Verification of Deposit | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Consumer Loan Late Fee | $20Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Annual Maitenance Fee | $15Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA / Transfer / Institution | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Faxes | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Photocopies | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Consumer & Auto Loan Application Fee | $20Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Joint Loan Application Fee | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Share Secured Loan Application Fee | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip Payment Fee | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per item
per page
per page
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Small Business Checking Service Fee (below $1,000) | $10 | Not stated | None |
| Early Closing Fee | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account / Checking (60 Days Inactive) | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account / Share (24 mos. Inactive) | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft (NSF) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
ATM & Card | |||
| Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Tansfer Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Official Check (To a Third Party) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Share Draft / ACH Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment / Share Draft or ACH | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Teller Check Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of paid draft | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Return Item | $25Inside the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposit Return Item | $15Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Garnishments / Levy / Citations | $50Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| Verification of Deposit | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Annual Maitenance Fee | $15Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA / Transfer / Institution | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Faxes | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Photocopies | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Joint Loan Application Fee | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Share Secured Loan Application Fee | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip Payment Fee | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Small Business Loan Application Fee | $25 | Not stated | None |
Oct 31, 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 South Side Community 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
| Chicago, IL | 1 |
Largest competitors nearby
Local market: Cook county, IL, around its headquarters.
| 156 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 20.8% |
| BMO Bank National Association | 20.2% |
| CIBC Bank USA | 10.5% |
| The Northern Trust Company | 8.4% |
| Bank of America, National Association | 7.7% |
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.