Compared with Minnesota
4 of 16
compared fees are above the median.
8 below, 4 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
52nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Minnesota median
of 16 compared; 8 below, 4 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Northridge Community 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. | Northridge Community 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 7.5% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (52nd 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 $184K in Q2 2026, 9.4% below the same quarter a year earlier ($203K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 16 compared published fees sit above the Minnesota median; 8 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.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
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 fell 14% from Q3 2025 to Q2 2026, to $184K. Its share of revenue, 7.5%, is above the 7.2% median for credit unions with under $300M in assets.
$184K
Northridge Community 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.
Northridge Community Federal Credit Union · $113M 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 |
|---|---|---|---|---|---|---|---|
| Northridge Community Federal Credit Union(this institution) | Virginia, MN | $113M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Chiphone Federal Credit Union | Elkhart, IN | $112M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cleveland Selfreliance Federal Credit Union | Parma, OH | $114M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Credit Union of The Rockies | Golden, CO | $113M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Deepwater Industries Federal Credit Union | Deepwater, NJ | $114M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Explorers Federal Credit Union | Yankton, SD | $112M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First California Federal Credit Union | Fresno, CA | $110M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Greater Pittsburgh Police Federal Credit Union | Pittsburgh, PA | $110M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ibew & United Workers Federal Credit Union | Portland, OR | $113M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| L G & W Federal Credit Union | Memphis, TN | $115M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Madison County Federal Credit Union | Anderson, IN | $114M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mercer County Community Federal Credit Union | Hermitage, PA | $115M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Metrum Community Federal Credit Union | Centennial, CO | $112M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mobile Educators Federal Credit Union | Mobile, AL | $113M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New Alliance Federal Credit Union | Ambridge, PA | $113M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Star Federal Credit Union | Cook, MN | $116M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| One Credit Union of Ny | Cheektowaga, NY | $114M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peoples Advantage Federal Credit Union | Petersburg, VA | $115M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Riverview Federal Credit Union | Belpre, OH | $113M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sound Federal Credit Union | Norwalk, CT | $116M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southern Lakes Federal Credit Union | Kenosha, WI | $113M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Southwest 66 Federal Credit Union | Odessa, TX | $112M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Total Community Federal Credit Union | Taylor, MI | $111M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Trunorthern Federal Credit Union | Malone, NY | $112M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| White Rose Federal Credit Union | York, PA | $115M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Wichita Falls Teachers Federal Credit Union | Wichita Falls, TX | $116M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 $1, 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 Oct 27, 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 Oct 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Northridge Community 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 | $184K | −$5K | −2.6% |
| Q1 2026 | $189K | −$814K | −81.2% |
| Q4 2025 | $1.0M | +$788K | +366.5% |
| Q3 2025 | $215K | +$12K | +5.9% |
| Q2 2025 | $203K | +$27K | +15.3% |
| Q1 2025 | $176K | −$242K | −57.9% |
| Q4 2024 | $418K | −$22K | −5.0% |
| Q3 2024 | $440K | +$44K | +11.1% |
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, Northridge Community 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 Northridge Community Federal Credit Union by share.
Amounts from Northridge Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per year
per year
per year
per item
per item
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Non-NorthRidge ATM Transactions | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Plastic Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Check Services | |||
| Corporate Check | $1.50Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $1.50Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Corporate Check Stop Payment (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Money Order Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Copy of Draft | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Returned Deposit Item (audience not stated, treated as personal) | $7Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Annual Rental Size 3x10 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rental Size 3x5 (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rental Size 5x10 (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Key Replacement (audience not stated, treated as personal) | $50Not compared: Box drilling or key fee | per item | None |
| Levy's, Liens, Garnishments, etc | $50Inside the U.S. middle 50% ($30 to $85.63 nationally) | per item | None |
| Subpoena Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Lending Fees | |||
| Loan Late Fee (audience not stated, treated as personal) | $15Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Hour plus per copy fee | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Processing Fee | $35Inside 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
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
ATM & Card | |||
| Non-NorthRidge ATM Transactions | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Plastic Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Check Services | |||
| Corporate Check | $1.50Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $1.50Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Money Order Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Copy of Draft | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Item Return (Business) | $7 | per item | None |
Account Services | |||
| Levy's, Liens, Garnishments, etc | $50Inside the U.S. middle 50% ($30 to $85.63 nationally) | per item | None |
| Subpoena Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Other Fees | |||
| Hour plus per copy fee | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Processing Fee | $35Inside 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 Northridge Community Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Biwabik, MN | 1 |
| Ely, MN | 1 |
| Hibbing, MN | 1 |
| Hoyt Lakes, MN | 1 |
| Virginia, 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.