Compared with Michigan
3 of 14
compared fees are above the median.
11 below, 0 about the same.
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
54th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 14 compared; 11 below, 0 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for Soo Co-Op 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 569 credit unions with $300M to $1B 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 Michigan median | Published fees above the Michigan median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Soo Co-Op Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.4% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (54th 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 $412K in Q2 2026, 4.3% above the same quarter a year earlier ($395K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 14 compared published fees sit above the Michigan median; 11 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 Michigan medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Superior Checking
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Michigan, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 2.1% from Q3 2025 to Q2 2026, to $412K. Its share of revenue, 8.4%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$412K
Soo Co-Op 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Soo Co-Op Federal Credit Union · $324M 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 |
|---|---|---|---|---|---|---|---|
| Soo Co-Op Federal Credit Union(this institution) | Sault Sainte Marie, MI | $324M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 360 Federal Credit Union | Windsor Locks, CT | $324M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Access Federal Credit Union | Clinton, NY | $320M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Actors Federal Credit Union | New York, NY | $331M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dannemora Federal Credit Union | Plattsburgh, NY | $320M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Downeast Federal Credit Union | Baileyville, ME | $330M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Downey Federal Credit Union | Downey, CA | $328M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Evolve Federal Credit Union | El Paso, TX | $323M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fall River Municipal Federal Credit Union | Fall River, MA | $316M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Families And Schools Together Federal Credit Union | Hanford, CA | $330M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Glass City Federal Credit Union | Maumee, OH | $326M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Harvesters Federal Credit Union | Cantonment, FL | $317M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Minnesota Valley Federal Credit Union | Mankato, MN | $329M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Nebraska Energy Federal Credit Union | Columbus, NE | $328M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| New Hampshire Federal Credit Union | Concord, NH | $332M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Pacific N W Federal Credit Union | Portland, OR | $317M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| People'S Alliance Federal Credit Union | Hauppauge, NY | $322M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Preferred Federal Credit Union | Grand Rapids, MI | $318M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Riverfront Federal Credit Union | Wyomissing, PA | $320M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Riverland Federal Credit Union | New Orleans, LA | $320M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Secny Federal Credit Union | Syracuse, NY | $323M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tucoemas Federal Credit Union | Visalia, CA | $332M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ume Federal Credit Union | Burbank, CA | $328M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| United Teletech Financial Federal Credit Union | Tinton Falls, NJ | $328M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vacationland Federal Credit Union | Sandusky, OH | $327M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Vapr Federal Credit Union | San Juan, PR | $316M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $4.99, against a peer median of $5.50 among 14 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 26, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.
Call reports for Soo Co-Op 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 | $412K | +$11K | +2.7% |
| Q1 2026 | $401K | −$29K | −6.7% |
| Q4 2025 | $430K | +$9K | +2.1% |
| Q3 2025 | $421K | +$26K | +6.6% |
| Q2 2025 | $395K | +$14K | +3.7% |
| Q1 2025 | $381K | −$49K | −11.4% |
| Q4 2024 | $430K | +$2K | +0.5% |
| Q3 2024 | $428K | +$25K | +6.2% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Soo Co-Op 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 Soo Co-Op Federal Credit Union by share.
Amounts from Soo Co-Op Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Superior Checking Monthly service charge | $4.99Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account closure (open less than six months) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account (per month) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account research/Reconciliation | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Courtesy Pay Overdraft / ATM-Debit OD (each EFT, debit or draft) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-sufficient funds for EFT, debit or draft (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Non-SCCU Owned/Non-CO-OP Network ATM | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Card Replacement Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Emergency Card Replacement Fee | $27.50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Reorder fee for lost cards | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| International Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Domestic wire transfer | $15Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Foreign wire transfer | $30Below the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Corporate Draft / Money Orders | $1Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop payment on checks and ACH transactions | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Copy of check | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Chargeback for deposited items that are returned | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Return Check Fee for foreign draft items | $50Above the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Garnishments | $35Inside the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
| IRS levy/State withholding/Tax lien | $35Inside the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 3, 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 Soo Co-Op Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state (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
| Sault Sainte Marie, MI | 3 |
| Brimley, MI | 1 |
| Cedarville, MI | 1 |
| Kincheloe, MI | 1 |
Largest competitors nearby
Local market: Chippewa county, MI, around its headquarters.
| 3 in its local market | Deposit share |
|---|---|
| Central Savings Bank | 73.4% |
| The Huntington National Bank | 14.9% |
| Nicolet National Bank | 11.7% |
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.