Compared with Minnesota
2 of 17
compared fees are above the median.
14 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
13th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Minnesota median
of 17 compared; 14 below, 1 about the same
See the feesFee schedule read Oct 27, 2026
Call-report figures are for Minnesota Power Employees 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 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. | Minnesota Power Employees 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 2.1% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (13th 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 $49K in Q2 2026, 25% below the same quarter a year earlier ($65K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 17 compared published fees sit above the Minnesota median; 14 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
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 was about level from Q3 2025 to Q2 2026, at $49K. Its share of revenue, 2.1%, is below the 7.2% median for credit unions with under $300M in assets.
$49K
Minnesota Power Employees 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.
Minnesota Power Employees Federal Credit Union · $162M 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 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Minnesota Power Employees Federal Credit Union(this institution) | Duluth, MN | $162M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Best Reward Federal Credit Union | Brook Park, OH | $163M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bfg Federal Credit Union | Akron, OH | $160M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Buckeye State Federal Credit Union | Akron, OH | $167M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Chocolate Bayou Community Federal Credit Union | Alvin, TX | $158M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Communities Of Abilene Federal Credit Union | Abilene, TX | $161M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Community Service Federal Credit Union | Huntsville, TX | $164M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Epic Federal Credit Union | Metairie, LA | $164M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fd Community Federal Credit Union | Waterbury, CT | $163M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Choice Federal Credit Union | West Palm Beach, FL | $161M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Four Points Federal Credit Union | Omaha, NE | $165M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Georgia Heritage Federal Credit Union | Savannah, GA | $163M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Harbor Pointe Federal Credit Union | Duluth, MN | $158M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hartford Federal Credit Union | Hartford, CT | $160M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hello Federal Credit Union | Panama City, FL | $160M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Jefferson Parish Employees Federal Credit Union | Harahan, LA | $166M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kings Federal Credit Union | Hanford, CA | $162M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lincoln Maine Federal Credit Union | Lincoln, ME | $163M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Priority One Credit Union | Sunrise, FL | $162M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Scenic Community Federal Credit Union | Hixson, TN | $164M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Shoreline Federal Credit Union | Two Rivers, WI | $160M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| South Bay Federal Credit Union | Redondo Beach, CA | $161M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southern Chautauqua Federal Credit Union | Lakewood, NY | $163M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Focus Federal Credit Union | Oklahoma City, OK | $163M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wayne-Westland Federal Credit Union | Westland, MI | $161M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wymar Federal Credit Union | Geismar, LA | $165M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 15 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
Minnesota Power Employees 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 Minnesota Power Employees 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 | $49K | −$3K | −5.8% |
| Q1 2026 | $52K | −$9K | −14.8% |
| Q4 2025 | $61K | +$12K | +24.5% |
| Q3 2025 | $49K | −$16K | −24.6% |
| Q2 2025 | $65K | +$2K | +3.2% |
| Q1 2025 | $63K | −$44K | −41.1% |
| Q4 2024 | $107K | +$39K | +57.4% |
| Q3 2024 | $68K | +$19K | +38.8% |
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, Minnesota Power Employees 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 Minnesota Power Employees Federal Credit Union by share.
Amounts from Minnesota Power Employees Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closing within 60 Days of Opening | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Reconciliation & Research/or(per hour) fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Monthly Bad Address fee (after 3 months) | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Returned Check Fee | $5Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Plastic Card Replacement fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Fee | $40Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer (Outgoing) fee | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Foreign Wire Transfer (Outgoing) fee | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Money Order fee | $1Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment fee (Drafts and ACH) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Items Sent For Collection fee | $7Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of Draft fee | $1.50Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash Advance Fee | $5Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Account Services | |||
| Drilling of Box fee | $200Not compared: Box drilling or key fee | Not stated | None |
| Replacement Key | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 3 x 10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Late Payment fee | $5Not compared: Box drilling or key fee | Not stated | None |
| Garnishment/Levy fee | $35Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Late Fee | $15Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Lien Release/Mortgage | $15Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Duplicate Lien Release/Titled Goods | $5Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | 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 Minnesota Power Employees 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.
Cities with the most offices
| Duluth, MN | 3 |
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.