Compared with Connecticut
6 of 19
compared fees are above the median.
4 below, 9 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
35th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Connecticut median
of 19 compared; 4 below, 9 about the same
See the feesFee schedule read Oct 5, 2026
Call-report figures are for Sound 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 Connecticut median | Published fees above the Connecticut median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Sound 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 5.2% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (35th 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 $126K in Q2 2026, 23% below the same quarter a year earlier ($164K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 19 compared published fees sit above the Connecticut median; 4 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 Connecticut medians for fees published by banks and credit unions.
Debit Card Replacement
NSF / Returned Item
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for Connecticut, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 10% from Q3 2025 to Q2 2026, to $126K. Its share of revenue, 5.2%, is below the 7.2% median for credit unions with under $300M in assets.
$126K
Sound 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.
Sound Federal Credit Union · $116M 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Sound Federal Credit Union(this institution) | Norwalk, CT | $116M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Brewer Federal Credit Union | Brewer, ME | $118M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Circle Federal Credit Union | Niles, MI | $117M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cleveland Selfreliance Federal Credit Union | Parma, OH | $114M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Credit Union of The Rockies | Golden, CO | $113M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Deepwater Industries Federal Credit Union | Deepwater, NJ | $114M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Desert Rivers Federal Credit Union | Moab, UT | $117M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hancock Federal Credit Union | Findlay, OH | $118M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ibew & United Workers Federal Credit Union | Portland, OR | $113M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| L G & W Federal Credit Union | Memphis, TN | $115M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| La Loma Federal Credit Union | Loma Linda, CA | $117M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Madison County Federal Credit Union | Anderson, IN | $114M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Marquette Community Federal Credit Union | Marquette, MI | $117M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mercer County Community Federal Credit Union | Hermitage, PA | $115M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mobile Educators Federal Credit Union | Mobile, AL | $113M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New Alliance Federal Credit Union | Ambridge, PA | $113M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| 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 |
| Omaha Federal Credit Union | Omaha, NE | $118M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| One Credit Union of Ny | Cheektowaga, NY | $114M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peoples Advantage Federal Credit Union | Petersburg, VA | $115M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Riverview Federal Credit Union | Belpre, OH | $113M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southern Lakes Federal Credit Union | Kenosha, WI | $113M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Valley Federal Credit Union | Salem, OR | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| White Rose Federal Credit Union | York, PA | $115M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Wichita Falls Teachers Federal Credit Union | Wichita Falls, TX | $116M | 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 · 18 publish this fee(domestic wire)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $25, against a peer median of $20 among 18 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 27, 2026.
Domestic wire fee in dollars, one mark per institution
Against this institution's domestic wire fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Sound 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 | $126K | +$5K | +4.1% |
| Q1 2026 | $121K | −$56K | −31.6% |
| Q4 2025 | $177K | +$37K | +26.4% |
| Q3 2025 | $140K | −$24K | −14.6% |
| Q2 2025 | $164K | +$31K | +23.3% |
| Q1 2025 | $133K | −$52K | −28.1% |
| Q4 2024 | $185K | −$63K | −25.4% |
| Q3 2024 | $248K | +$99K | +66.4% |
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, Sound 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 Sound Federal Credit Union by share.
Amounts from Sound Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per quarter
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Paper Statement Fee (waived for Members under 18 and over 65) | $3Not compared: Quarterly charge, not monthly | per quarter | None |
Overdraft & NSF | |||
| Non-Sufficient Funds (NSF/Overdraft) - Returned | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Inquiry on Non-Network ATM | No chargeBelow the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| ATM/Debit Card/PIN Rush | $30Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wires | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Posting | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wires | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Check (including Cashiers checks) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| ACH Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH/P2P Returned NSF | $30Inside the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash Advance Fee | $10Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Copy of Sales or Cash Advance Slip or Periodic Statement | $3Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Deposit Item Return Fee | $25Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Garnishments / Levies | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee (Outbound) | $35Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Statement Copy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Skip-a-Pay | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
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 Sound Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Stamford, CT | 2 |
| Norwalk, CT | 1 |
Largest competitors nearby
Local market: Western Connecticut Planning Region county, CT, around its headquarters.
| 31 in its local market | Deposit share |
|---|---|
| Webster Bank, National Association | 48.2% |
| Bank of America, National Association | 8.8% |
| JPMorgan Chase Bank, National Association | 8% |
| Wells Fargo Bank, National Association | 6% |
| Manufacturers and Traders Trust Company | 3.7% |
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.