22 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 3, 2026.
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 Nov 3, 2026
Call-report figures are for Northwoods 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. | Northwoods 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 $237K in Q2 2026, 12% above the same quarter a year earlier ($212K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
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 rose 17% from Q3 2025 to Q2 2026, to $237K.
$237K
Northwoods Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Northwoods Federal Credit Union · $175M 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 |
|---|---|---|---|---|---|---|---|
| Northwoods Federal Credit Union(this institution) | Cloquet, MN | $175M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Achieve Financial Federal Credit Union | Berlin, CT | $176M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Arize Federal Credit Union | State College, PA | $176M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Artesia Federal Credit Union | Artesia, NM | $173M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Aspen Federal Credit Union | Rapid City, SD | $173M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Associated Healthcare Federal Credit Union | Woodbury, MN | $176M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Caro Federal Credit Union | Columbia, SC | $175M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Code Federal Credit Union | Dayton, OH | $176M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cornerstone Federal Credit Union | Freeport, IL | $177M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| E-Central Federal Credit Union | Pasadena, CA | $174M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ellafi Federal Credit Union | Middletown, CT | $178M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Excel Federal Credit Union | Norcross, GA | $174M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Federal Credit Union | Hiawatha, IA | $175M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Frick Financial Federal Credit Union | Uniontown, PA | $175M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Heartland Federal Credit Union | Inver Grove Heights, MN | $172M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mountain Laurel Federal Credit Union | Saint Marys, PA | $174M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| N.E.W. Federal Credit Union | Oconto Falls, WI | $178M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Naveo Federal Credit Union | Somerville, MA | $176M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Nuvista Federal Credit Union | Montrose, CO | $172M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Police Federal Credit Union | Upper Marlboro, MD | $176M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Santa Cruz Community Federal Credit Union | Santa Cruz, CA | $172M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sentry Federal Credit Union | Stevens Point, WI | $173M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ussco Johnstown Federal Credit Union | Johnstown, PA | $174M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Valley Isle Community Federal Credit Union | Kahului, HI | $174M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Vida Federal Credit Union | Ontario, CA | $175M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wolverine State Federal Credit Union | Alpena, MI | $173M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(out-of-network atm)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1.50 among 10 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 Nov 1, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Northwoods 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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Northwoods 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 | $237K | +$32K | +15.6% |
| Q1 2026 | $205K | −$15K | −6.8% |
| Q4 2025 | $220K | +$17K | +8.4% |
| Q3 2025 | $203K | −$9K | −4.2% |
| Q2 2025 | $212K | +$54K | +34.2% |
| Q1 2025 | $158K | −$12K | −7.1% |
| Q4 2024 | $170K | −$6K | −3.4% |
| Q3 2024 | $176K | +$27K | +18.1% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Northwoods Federal Credit Union’s own schedules, with a source for each figure.
per hour
per hour · Share Draft reconciliation (per hour - 1 hour minimum) | $10.00
per month
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive account fee | $5 | Not stated | None |
| Research fee | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Share Draft reconciliation (per hour - 1 hour minimum) | $10Not compared: Charged per hour; comparison unavailable | per hour | Share Draft reconciliation (per hour - 1 hour minimum) | $10.00 |
| Incorrect address fee | $10 | Not stated | None |
Overdraft & NSF | |||
| Overdraft | $30 | Not stated | None |
| NSF debit card transaction | $30 | Not stated | None |
| NSF preauthorized withdrawal | $30 | Not stated | None |
ATM & Card | |||
| Card replacement fee (per card) | $10 | per item | None |
| Rush plastics replacement card | $45 | Not stated | None |
Wire Transfers | |||
| Domestic wire out | $20 | Not stated | None |
| Incoming wire | $5 | Not stated | None |
Check Services | |||
| Official check | $5 | Not stated | None |
| Stop payment (single item) | $30 | Not stated | None |
| Stop payment official check | $25 | Not stated | None |
| Counter checks | $1 | Not stated | None |
| Non-member check cashing | $5 | Not stated | None |
| Photocopy of draft | $5 | Not stated | None |
| Photocopy of official check | $5 | Not stated | None |
Digital & Electronic | |||
| ACH origination change fee | $15 | Not stated | None |
Cash & Deposit | |||
| Returned deposit item | $20 | Not stated | None |
Account Services | |||
| Non-member notary service | $5 | Not stated | None |
| Drilling of box | $175Not compared: Box drilling or key fee | Not stated | None |
| Late payment (per month) | $5Not compared: Monthly charge, not annual | per month | None |
| Lost key | $15Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 3 x 10 (audience not stated, treated as personal) | $50 | Not stated | None |
| Safe Deposit Box 3 x 5 (audience not stated, treated as personal) | $25 | per year | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $60 | Not stated | None |
| Safe Deposit Box 5 x 5 (audience not stated, treated as personal) | $40 | Not stated | None |
| Levy/Garnishment fee | $15 | Not stated | None |
Lending Fees | |||
| Loan late fee (after 10 days delinquent) | $25 | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $3.95 | Not stated | None |
Other Fees | |||
| Fax service (each additional page) | $1 | per item | None |
| Fax service (first page) | $2 | Not stated | None |
| Statement copies/mailed copies | $3 | Not stated | None |
| Loan payoff written quote fee | $35 | Not stated | None |
| Personal loan application fee | $25 | 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
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.
Fee change alerts
We check once a day and send one email covering every change.