Compared with Nebraska
4 of 18
compared fees are above the median.
5 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
51st percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Nebraska median
of 18 compared; 5 below, 9 about the same
See the feesFee schedule read Oct 27, 2026
Call-report figures are for Spirit Of America 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 Nebraska median | Published fees above the Nebraska median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Spirit Of America Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 27, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.3% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (51st 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 $46K in Q2 2026, 4.2% below the same quarter a year earlier ($48K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 18 compared published fees sit above the Nebraska median; 5 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 Nebraska medians for fees published by banks and credit unions.
Deposited Item Return
NSF / Returned Item
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for Nebraska, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 2.2% from Q3 2025 to Q2 2026, to $46K. Its share of revenue, 7.3%, is above the 7.2% median for credit unions with under $300M in assets.
$46K
Spirit Of America 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.
Spirit Of America Federal Credit Union · $53M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Spirit Of America Federal Credit Union(this institution) | Lincoln, NE | $53M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Altonized Community Federal Credit Union | Alton, IL | $53M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bar-Cons Federal Credit Union | Columbus, IN | $53M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central Jersey Police & Fire Federal Credit Union | Hamilton, NJ | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cutting Edge Federal Credit Union | Milwaukie, OR | $53M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Electrical Federal Credit Union | Arvada, CO | $54M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gr Consumers Federal Credit Union | Wyoming, MI | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hastings Federal Credit Union | Hastings, NE | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heart O' Texas Federal Credit Union | Waco, TX | $55M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Inland Valley Federal Credit Union | fontana, CA | $54M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Mercer County Nj Teachers Federal Credit Union | Hamilton Square, NJ | $52M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Newport News Mun. Emp Credit Union | Newport News, VA | $54M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Penn Federal Credit Union | Philadelphia, PA | $54M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Qside Federal Credit Union | Queens Village, NY | $53M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Ravenswood Federal Credit Union | Ravenswood, WV | $54M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Total Choice Federal Credit Union | Hahnville, LA | $54M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Truservice Community Federal Credit Union | Little Rock, AR | $53M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tuscaloosa V A Federal Credit Union | Tuscaloosa, AL | $52M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| U.P.S. Employees Federal Credit Union | Ontario, CA | $52M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Northwest Federal Credit Union | Norton, KS | $55M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Van Cortlandt Cooperative Federal Credit Union | Bronx, NY | $55M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Vocal Federal Credit Union | Helena, MT | $53M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wayne County Community Federal Credit Union | Smithville, OH | $54M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Westminster Federal Credit Union | Westminster, CO | $55M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Yuma County Federal Credit Union | Yuma, CO | $53M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(out-of-network atm)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $2, against a peer median of $1 among 9 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.
Out-of-network ATM fee in dollars, one mark per institution
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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Spirit Of America 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 | $46K | +$5K | +12.2% |
| Q1 2026 | $41K | −$6K | −12.8% |
| Q4 2025 | $47K | +$2K | +4.4% |
| Q3 2025 | $45K | −$3K | −6.3% |
| Q2 2025 | $48K | +$5K | +11.6% |
| Q1 2025 | $43K | −$8K | −15.7% |
| Q4 2024 | $51K | $0 | 0.0% |
| Q3 2024 | $51K | +$1K | +2.0% |
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, Spirit Of America 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 Spirit Of America Federal Credit Union by share.
Amounts from Spirit Of America Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per hour · Account Research | $30.00 per hour
per item
per month
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed within 90 days of Opening (Share or Share Draft) | $30Above the U.S. middle 50% ($10 to $25 nationally) | per item | None |
| Account Research | $30Not compared: Charged per hour; comparison unavailable | per hour | Account Research | $30.00 per hour |
| Address Correction Notice (Notice Received from Post Office) | $2Not compared: Per-item charge, not monthly | per item | None |
| Undeliverable Statement Return | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Non-Sufficient ACH Item | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Non-Sufficient Funds | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Continuous Negative Balance | $3Below the U.S. middle 50% ($5 to $15 nationally) | per day | None |
ATM & Card | |||
| ATM Balance Inquiry | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Wire Transfers | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Wire Transfers | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Cashier and Teller Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Copy of Paid Draft | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Counting Coin | 10% | Not stated | None |
| Deposited Item Return | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Garnishment, Tax Levy, Etc | $30Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Lending Fees | |||
| Late Fee on Loan Payments After 10 Days | $25Inside the U.S. middle 50% ($15 to $25 nationally) | per item | None |
Retirement & IRA | |||
| IRA Account Closure Prior to Age 59 1/2 | $30Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Statement Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 27, 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 Spirit Of America Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Lincoln, NE | 1 |
| Lithia Springs, GA | 1 |
Largest competitors nearby
Local market: Lancaster county, NE, around its headquarters.
| 40 in its local market | Deposit share |
|---|---|
| Union Bank and Trust Company | 39.5% |
| Wells Fargo Bank, National Association | 9.9% |
| Pinnacle Bank | 9.8% |
| West Gate Bank | 7.9% |
| Cornhusker Bank | 5.6% |
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.