Compared with Colorado
13 of 15
compared fees are above the median.
1 below, 1 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
49th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Colorado median
of 15 compared; 1 below, 1 about the same
See the feesFee schedule read Oct 26, 2026
Call-report figures are for San Juan Mountains 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 Colorado median | Published fees above the Colorado median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | San Juan Mountains Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 26, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.0% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (49th 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 $59K in Q2 2026, 5.4% above the same quarter a year earlier ($56K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
13 of 15 compared published fees sit above the Colorado median; 1 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 Colorado medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Colorado, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 9.2% from Q3 2025 to Q2 2026, to $59K. Its share of revenue, 7.0%, is below the 7.2% median for credit unions with under $300M in assets.
$59K
San Juan Mountains 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.
San Juan Mountains Federal Credit Union · $61M 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| San Juan Mountains Federal Credit Union(this institution) | Montrose, CO | $61M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Acclaim Federal Credit Union | Greensboro, NC | $60M | Publishes Monthly maintenance | 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 |
| Atlantic City Electric Co Emp Federal Credit Union | Mays Landing, NJ | $63M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Buffalo Conrail Federal Credit Union | Cheektowaga, NY | $61M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| C C S E Federal Credit Union | Salamanca, NY | $61M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Pioneers Federal Credit Union | Lafayette, LA | $61M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Five Star Of Maryland Federal Credit Union | Baltimore, MD | $63M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Green River Area Federal Credit Union | Owensboro, KY | $60M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Horizon Federal Credit Union | Kingsport, TN | $60M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jackson Area Federal Credit Union | Jackson, MS | $61M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| La Joya Area Federal Credit Union | La Joya, TX | $62M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lm Federal Credit Union | Baltimore, MD | $60M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Loco Federal Credit Union | Alamogordo, NM | $61M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Merho Federal Credit Union | Johnstown, PA | $61M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Mill Town Federal Credit Union | Everett, WA | $60M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Mohave Community Federal Credit Union | Kingman, AZ | $61M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Morrisons Cove 1St Federal Credit Union | Roaring Spring, PA | $62M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Motion Federal Credit Union | Linden, NJ | $60M | 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 |
| Panhandle Federal Credit Union | Wellington, KS | $62M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Promedica Federal Credit Union | Toledo, OH | $60M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Remington Federal Credit Union | Ilion, NY | $60M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| The Bridgeway Federal Credit Union | Phenix City, AL | $62M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Topmark Federal Credit Union | Cridersville, OH | $63M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| University Of Louisiana Federal Credit Union | Lafayette, LA | $61M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $3.98 among 12 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 25, 2026.
Monthly maintenance fee in dollars, one mark per institution
San Juan Mountains Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 25, 2026. Total assets from FDIC and NCUA records.
Call reports for San Juan Mountains 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 | $59K | $0 | 0.0% |
| Q1 2026 | $59K | −$5K | −7.8% |
| Q4 2025 | $64K | −$1K | −1.5% |
| Q3 2025 | $65K | +$9K | +16.1% |
| Q2 2025 | $56K | +$9K | +19.1% |
| Q1 2025 | $47K | $0 | 0.0% |
| Q4 2024 | $47K | +$1K | +2.2% |
| Q3 2024 | $46K | −$8K | −14.8% |
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, San Juan Mountains 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 San Juan Mountains Federal Credit Union by share.
Amounts from San Juan Mountains Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Account Reconciliation Fee | $25.00 per hour
per hour · Account Research Fee | $25.00 per hour
per item
per item
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Reopen Closed & Closed within 90 day Account fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account over 1 year | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation Fee | $25.00 per hour |
| Account Research Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Research Fee | $25.00 per hour |
| Returned Mail Fee | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Courtesy Pay Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Debit Card Replacement Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer Fee | $35Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Transfer Fee | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| ACH Stop Payment Fee | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Fee | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment on CU Checks Fee (over $500, must purchase an Indemnity Bond) | $50Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Check Fee | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Credit Union Check Copy Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Original Check Copy Fee | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposit Item Return Fee | $35Above the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Lending Fees | |||
| Visa Late Fee/ Over Limit | $39Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Account Annual Maintenance | $50Above the U.S. middle 50% ($10 to $25 nationally) | per year | None |
Gift & Prepaid Cards | |||
| Visa Gift Cards | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Additional Monthly Statement Fee | $3Not compared: Monthly charge, not per item | per month | None |
| Loan Application Fee | $125Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Mortgage Payoff Request | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 26, 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 San Juan Mountains Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 3 states (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
| Montrose, CO | 2 |
| Flint, MI | 1 |
| Milwaukee, WI | 1 |
Largest competitors nearby
Local market: Montrose county, CO, around its headquarters.
| 12 in its local market | Deposit share |
|---|---|
| Alpine Bank | 23.4% |
| Wells Fargo Bank, National Association | 20.5% |
| Bank of Colorado | 14.3% |
| Timberline Bank | 8.6% |
| BMO Bank National Association | 7.6% |
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.