Compared with Minnesota
5 of 17
compared fees are above the median.
9 below, 3 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
69th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Minnesota median
of 17 compared; 9 below, 3 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Members Cooperative 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 452 credit unions with $1B to $10B 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 Minnesota median | Published fees above the Minnesota median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Members Cooperative Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.4% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (69th 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 $1.6M in Q2 2026, 9.2% above the same quarter a year earlier ($1.5M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 17 compared published fees sit above the Minnesota median; 9 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 Minnesota medians for fees published by banks and credit unions.
NSF / Returned Item
Wire Transfer (Domestic Out)
Stop Payment
Compared at $12.50, the middle of its prices
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.
Fee income rose 5.8% from Q3 2025 to Q2 2026, to $1.6M. Its share of revenue, 8.4%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$1.6M
Members Cooperative 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Members Cooperative Federal Credit Union · $1.2B 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 |
|---|---|---|---|---|---|---|---|
| Members Cooperative Federal Credit Union(this institution) | Duluth, MN | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Abbott Laboratories Federal Credit Union | Gurnee, IL | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Atlantic Regional Federal Credit Union | South Portland, ME | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| City & County Federal Credit Union | Saint Paul, MN | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Clearwater Federal Credit Union | Missoula, MT | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Credit Union of Denver | Lakewood, CO | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Family Savings Federal Credit Union | Rainbow City, AL | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Source Federal Credit Union | New Hartford, NY | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hawaiian Financial Federal Credit Union | Honolulu, HI | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Honda Federal Credit Union | Torrance, CA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Justice Federal Credit Union | Chantilly, VA | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lafcu Federal Credit Union | Lansing, MI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Marine Federal Credit Union | La Crosse, WI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Neighborhood Federal Credit Union | Dallas, TX | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Country Federal Credit Union | Burlington, VT | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Radiant Federal Credit Union | Gainesville, FL | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Safe 1 Federal Credit Union | Bakersfield, CA | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Salal Federal Credit Union | Seattle, WA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Seattle Metropolitan Federal Credit Union | Seattle, WA | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Selfreliance Federal Credit Union | Chicago, IL | $1.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Topline Financial Federal Credit Union | Maple Grove, MN | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| University Federal Credit Union | Los Angeles, CA | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Vantage Federal Credit Union | Saint Charles, MO | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Vermont Federal Credit Union | So Burlington, VT | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Vibrant Federal Credit Union | Moline, IL | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wildfire Federal Credit Union | Saginaw, MI | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 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 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Members Cooperative 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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Members Cooperative 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 | $1.6M | +$263K | +19.1% |
| Q1 2026 | $1.4M | −$83K | −5.7% |
| Q4 2025 | $1.5M | −$90K | −5.8% |
| Q3 2025 | $1.6M | +$48K | +3.2% |
| Q2 2025 | $1.5M | +$188K | +14.3% |
| Q1 2025 | $1.3M | −$128K | −8.9% |
| Q4 2024 | $1.4M | +$81K | +6.0% |
| Q3 2024 | $1.4M | +$79K | +6.2% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Members Cooperative 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 Members Cooperative Federal Credit Union by share.
Amounts from Members Cooperative Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
one time
per item
per item
per item
per item
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive account (per month) (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account reconciliation (per hour) (audience not stated, treated as personal) | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account research (per hour, first hour free) (audience not stated, treated as personal) | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Incorrect address returned mail (one time) | $5Not compared: One-time charge, not monthly | one time | None |
Overdraft & NSF | |||
| Insufficient funds (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Debit/ATM card replacement (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Bank to bank wire – domestic (audience not stated, treated as personal) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming wire (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier’s check (per draft) (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Revoke group stop payment | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Revoke single stop payment | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Revoke single stop payment (audience not stated, treated as personal) | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop payment (per item) | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check cashing fee (nonmember, on us) (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Corporate/personal check copy (per draft) (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH origination (audience not stated, treated as personal) | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Notary services (nonmember) (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Drilling of box (audience not stated, treated as personal) | $270Not compared: Box drilling or key fee | Not stated | None |
| Late payment (audience not stated, treated as personal) | $25Not compared: Box drilling or key fee | Not stated | None |
| Missed drilling appointment | $25Not compared: Box drilling or key fee | Not stated | None |
| Replacement key (each) | $15Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2 x 5 (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 5 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $70Not compared: Monthly charge, not annual | per month | None |
| Safe Deposit Box 5 x 5 (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Levy/garnishment (audience not stated, treated as personal) | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Mortgage loan – subordination (audience not stated, treated as personal) | $250Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift card | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Fax: Each additional page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax: First page | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies: Each additional page | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopies: First page | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan payment – due date change | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Low balance, money market accounts with balances: Skip-A-Payment | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Returned loan payment | $28Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip a payment (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
one time
per day
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Incorrect address returned mail (one time) | $5Not compared: One-time charge, not monthly | one time | None |
Check Services | |||
| Revoke group stop payment | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Revoke single stop payment | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop payment (per item) | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Digital & Electronic | |||
| Business same day ACH (per day) | $5Not compared: Daily charge, not per item | per day | None |
Account Services | |||
| Missed drilling appointment | $25Not compared: Box drilling or key fee | Not stated | None |
| Replacement key (each) | $15Not compared: Box drilling or key fee | per item | None |
Gift & Prepaid Cards | |||
| Gift card | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Fax: Each additional page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax: First page | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies: Each additional page | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopies: First page | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan payment – due date change | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Low balance, money market accounts with balances: Skip-A-Payment | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Returned loan payment | $28Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 11, 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 Members Cooperative Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
12 offices in 1 state (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Duluth, MN | 3 |
| Aitkin, MN | 1 |
| Baxter, MN | 1 |
| Cloquet, MN | 1 |
| Grand Rapids, MN | 1 |
| Isanti, MN | 1 |
| Mcgregor, MN | 1 |
| Moose Lake, MN | 1 |
Largest competitors nearby
Local market: St. Louis county, MN, around its headquarters.
| 32 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 21.4% |
| U.S. Bank National Association | 19.6% |
| Park State Bank | 15.5% |
| North Shore Bank of Commerce | 10.2% |
| National Bank of Commerce | 9.4% |
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.