Minnesota Power Employees Federal Credit Union

Headquarters: Duluth, Minnesota
Charter: Credit Union
Assets: $161.9M
Fed district: Minneapolis
Regulator: NCUA

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 27, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 27, 2026

How these figures are measured

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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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

Details

Source: NCUA 5300 call report
Entity: Minnesota Power Employees Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
Minnesota Power Employees Federal Credit Union: $5
Minnesota Power Employees Federal Credit Union: $5
U.S. median: no median
Wire Transfer (Domestic Out)
Minnesota Power Employees Federal Credit Union: $15
Minnesota Power Employees Federal Credit Union: $15
U.S. median: no median
Stop Payment
Minnesota Power Employees Federal Credit Union: $25
Minnesota Power Employees Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 27, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income was about level from Q3 2025 to Q2 2026, at $49K.

Fee income, Q2 2026

$49K

$49KQ3 2025

$61KQ4 2025

$52KQ1 2026

$49KQ2 2026

Against the median

Minnesota Power Employees Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

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.

Credit unions only
$158M to $167M in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

Minnesota Power Employees Federal Credit Union does not publish a monthly maintenance fee in the index.

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.

Minnesota Power Employees…Peer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Minnesota Power Employees Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $49K
vs prior quarter: −$3K−5.8%; from Q1 2026
vs a year earlier: −$16K−24.6%; from Q2 2025
vs start of range: −$19K−27.9%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Minnesota Power Employees Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

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%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Minnesota Power Employees Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closing within 60 Days of Opening$5
Account Reconciliation & Research/or(per hour) fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Monthly Bad Address fee (after 3 months)$10
per month

Overdraft & NSF

Returned Check Fee$5

ATM & Card

Plastic Card Replacement fee$7
Rush Fee$40

Wire Transfers

Domestic Wire Transfer (Outgoing) fee$15
Foreign Wire Transfer (Outgoing) fee$45

Check Services

Money Order fee$1
per item
Stop Payment fee (Drafts and ACH)$25
Items Sent For Collection fee$7
Copy of Draft fee$1.50

Cash & Deposit

Cash Advance Fee$5

Account Services

Drilling of Box fee$200
Not compared: Box drilling or key fee
Replacement Key$10
Not compared: Box drilling or key fee
Safe Deposit Box 3 x 10$40
Safe Deposit Box 3 x 5$25
Safe Deposit Box 5 x 10$60
Safe Deposit Box Late Payment fee$5
Not compared: Box drilling or key fee
Garnishment/Levy fee$35

Lending Fees

Late Fee$15

Gift & Prepaid Cards

Gift Cards$2.50

Other Fees

Duplicate Lien Release/Mortgage$15
Duplicate Lien Release/Titled Goods$5

Fee	Amount	Basis	Note
Account Maintenance
Account Closing within 60 Days of Opening	$5	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)	$10	per month	None
Overdraft & NSF
Returned Check Fee	$5	Not stated	None
ATM & Card
Plastic Card Replacement fee	$7	Not stated	None
Rush Fee	$40	Not stated	None
Wire Transfers
Domestic Wire Transfer (Outgoing) fee	$15	Not stated	None
Foreign Wire Transfer (Outgoing) fee	$45	Not stated	None
Check Services
Money Order fee	$1	per item	None
Stop Payment fee (Drafts and ACH)	$25	Not stated	None
Items Sent For Collection fee	$7	Not stated	None
Copy of Draft fee	$1.50	Not stated	None
Cash & Deposit
Cash Advance Fee	$5	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	$40	Not stated	None
Safe Deposit Box 3 x 5	$25	Not stated	None
Safe Deposit Box 5 x 10	$60	Not stated	None
Safe Deposit Box Late Payment fee	$5Not compared: Box drilling or key fee	Not stated	None
Garnishment/Levy fee	$35	Not stated	None
Lending Fees
Late Fee	$15	Not stated	None
Gift & Prepaid Cards
Gift Cards	$2.50	Not stated	None
Other Fees
Duplicate Lien Release/Mortgage	$15	Not stated	None
Duplicate Lien Release/Titled Goods	$5	Not stated	None

Correct a fee source

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.

Fee change alerts

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