Compared with Minnesota
7 of 13
compared fees are above the median.
4 below, 2 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
67th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Minnesota median
of 13 compared; 4 below, 2 about the same
See the feesFee schedule read Feb 17, 2026
Call-report figures are for Nsp 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. | Nsp Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Feb 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.8% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (67th 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 $52K in Q2 2026, 2.0% above the same quarter a year earlier ($51K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 13 compared published fees sit above the Minnesota median; 4 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.
Deposited Item Return
Overdraft (OD)
Wire Transfer (Domestic Out)
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 5.5% from Q3 2025 to Q2 2026, to $52K. Its share of revenue, 9.8%, is above the 7.2% median for credit unions with under $300M in assets.
$52K
Nsp 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.
Nsp Federal Credit Union · $35M 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 |
|---|---|---|---|---|---|---|---|
| Nsp Federal Credit Union(this institution) | Maplewood, MN | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alpena Community Federal Credit Union | Alpena, MI | $36M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alpha Federal Credit Union | Boston, MA | $35M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Brazos Star Federal Credit Union | College Station, TX | $36M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Canals & Trails Federal Credit Union | Lockport, IL | $34M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Chen-Del-O Federal Credit Union | Franklin, NY | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Common Cents Federal Credit Union | Beaumont, TX | $34M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community Link Federal Credit Union | Huntington, IN | $36M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Ct Firefighters Federal Credit Union | Hartford, CT | $35M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| El Monte Community Federal Credit Union | El Monte, CA | $34M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Eweb Employees Federal Credit Union | Eugene, OR | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greater Valley Federal Credit Union | Fresno, CA | $34M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Koin Federal Credit Union | Brentwood, TN | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meadowland Federal Credit Union | Sheboygan Falls, WI | $36M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Montana Educators' Federal Credit Union | Missoula, MT | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northwestern Energy Employees Federal Credit Union | Butte, MT | $35M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| O And R Utilities Employees Federal Credit Union | Monroe, NY | $35M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Outreach Federal Credit Union | Hermitage, TN | $35M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Postal Employees Federal Credit Union | Yardville, NJ | $36M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Reliance Federal Credit Union | King of Prussia, PA | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| School District 3 Federal Credit Union | Colorado Springs, CO | $36M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Service Plus Federal Credit Union | Moline, IL | $35M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Steuben Citizens Federal Credit Union | Bath, NY | $36M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Transport Federal Credit Union | Tampa, FL | $36M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Utility District Federal Credit Union | Oakland, CA | $34M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wcu Credit Union | Decatur, AL | $36M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ 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
The peer median is $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
Nsp Federal Credit Union does not publish an out-of-network atm 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 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Nsp 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 | $52K | $0 | 0.0% |
| Q1 2026 | $52K | −$5K | −8.8% |
| Q4 2025 | $57K | +$2K | +3.6% |
| Q3 2025 | $55K | +$4K | +7.8% |
| Q2 2025 | $51K | $0 | 0.0% |
| Q1 2025 | $51K | −$6K | −10.5% |
| Q4 2024 | $57K | +$3K | +5.6% |
| Q3 2024 | $54K | −$3K | −5.3% |
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, Nsp 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 Nsp Federal Credit Union by share.
Amounts from Nsp Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive Primary Share Account (Annual transaction required) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Undeliverable Mail | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Account Overdraft / NSF | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
ATM & Card | |||
| Replacement Visa Debit or Credit Card ( 1 free per year) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| RUSH Replacement of Visa Debit or Credit Card | $75Above the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Wire (Domestic only) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| ACH or Check Stop Payment Order | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment on Credit Union Check(must wait 2 weeks after issue) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Photocopy of Draft/Check (2 free per month) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination Return | $30Inside the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Non Sufficient Funds from Deposited Check | $30Above the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Re-Issue of Subordination Agreement | $25Below the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Subordination Agreement | $50Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Lending Fees | |||
| Visa Late Fee (5 day grace period) | $30Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Duplicate Lien Release | $5Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Duplicate Satisfaction of Mortgage | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Feb 17, 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 Nsp Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Fort Wayne, IN | 1 |
| Maplewood, MN | 1 |
Largest competitors nearby
Local market: Ramsey county, MN, around its headquarters.
| 48 in its local market | Deposit share |
|---|---|
| U.S. Bank National Association | 78.8% |
| Wells Fargo Bank, National Association | 6.7% |
| Old National Bank | 2.1% |
| Associated Bank, National Association | 1.9% |
| The Huntington National Bank | 1.7% |
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.