Compared with Minnesota
10 of 21
compared fees are above the median.
6 below, 5 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
53rd percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Minnesota median
of 21 compared; 6 below, 5 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for First Alliance 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 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. | First Alliance Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.3% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (53rd 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 $557K in Q2 2026, 12% above the same quarter a year earlier ($497K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
10 of 21 compared published fees sit above the Minnesota median; 6 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.
NSF / Returned Item
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 rose 1.3% from Q3 2025 to Q2 2026, to $557K. Its share of revenue, 8.3%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$557K
First Alliance 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.
First Alliance Federal Credit Union · $358M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Alliance Federal Credit Union(this institution) | Rochester, MN | $358M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Aero Federal Credit Union | Glendale, AZ | $364M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Affidian Federal Credit Union | Denver, CO | $360M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Agriculture Federal Credit Union | Merrifield, VA | $351M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| C-Plant Federal Credit Union | Paducah, KY | $366M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cardinal Credit Union, Inc. | Mentor, OH | $366M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Class Act Federal Credit Union | Louisville, KY | $365M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Elko Federal Credit Union | Elko, NV | $351M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Freestar Financial Federal Credit Union | Mount Clemens, MI | $350M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| HUDSON RIVER COMMUNITY | Corinth, NY | $364M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Industrial Federal Credit Union | Lafayette, IN | $356M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mass Bay Federal Credit Union | South Boston, MA | $367M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Michigan United Federal Credit Union | Auburn Hills, MI | $349M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mobility Credit Union | Irving, TX | $358M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| My Federal Credit Union | Bloomington, MN | $366M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Net Federal Credit Union | Scranton, PA | $354M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Peninsula Federal Credit Union | Escanaba, MI | $356M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peopleschoice Federal Credit Union | Biddeford, ME | $367M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Piedmont Advantage Credit Union | Winston Salem, NC | $368M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sharepoint Federal Credit Union | Bloomington, MN | $360M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Signal Financial Federal Credit Union | Kensington, MD | $364M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Siouxland Federal Credit Union | South Sioux City, NE | $352M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Solidarity Community Federal Credit Union | Kokomo, IN | $351M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sunbelt Federal Credit Union | Hattiesburg, MS | $366M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Financial Federal Credit Union | Saginaw, MI | $360M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Waterbury Connecticut Teachers Federal Credit Union | Waterbury, CT | $365M | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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.
Peer pricing snapshot
The peer median is $5 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 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
First Alliance Federal Credit Union does not publish a monthly maintenance 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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for First Alliance 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 | $557K | −$93K | −14.3% |
| Q1 2026 | $650K | +$97K | +17.5% |
| Q4 2025 | $553K | +$3K | +0.5% |
| Q3 2025 | $550K | +$53K | +10.7% |
| Q2 2025 | $497K | −$26K | −5.0% |
| Q1 2025 | $523K | +$12K | +2.3% |
| Q4 2024 | $511K | +$42K | +9.0% |
| Q3 2024 | $469K | +$19K | +4.2% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, First Alliance 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 First Alliance Federal Credit Union by share.
Amounts from First Alliance Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per item
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| CLOSED ACCOUNT FEE A new account that is closed before 6 months (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| DORMANT ACCOUNTS: Consumer Accounts | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Paper Statement Fee | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Returned Mail/Statements | $20Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay Program fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Debit Cards Replacement Debit Card (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Card Rush Request Varies Loan Payments Loan Coupon Book (Per Book) | $10Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire (Online Banking) | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Domestic Wire (Phone/Branch) | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Domestic Wire | $12Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing Foreign Wire | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Incoming Foreign Wire | $12Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier's Checks under $250.00 | $4Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| ACH-Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Debit Cards: Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Member Check Cashing | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Check Copy | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| On-line Bill Payment Bill Pay Check Copy | $6Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Check | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Non-Member Notary | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Box Drilling | $150Not compared: Box drilling or key fee | Not stated | None |
| Late Fee (10 Days) | $10Not compared: Box drilling or key fee | Not stated | None |
| Replacement Key | $30Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 x 24 | $85Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10 x 24 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 x 24 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 x 24 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 5 x 24 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Tax Levy/Garnishments | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 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
per item
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| DORMANT ACCOUNTS: Business Accounts | $10 | Not stated | None |
| Paper Statement Fee | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Returned Mail/Statements | $20Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Non-Sufficient Funds (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Card Rush Request Varies Loan Payments Loan Coupon Book (Per Book) | $10Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire (Online Banking) | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Domestic Wire (Phone/Branch) | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Domestic Wire | $12Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing Foreign Wire | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Incoming Foreign Wire | $12Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier's Checks under $250.00 | $4Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| ACH-Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Debit Cards: Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Member Check Cashing | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Check Copy | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| On-line Bill Payment Bill Pay Check Copy | $6Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Check | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Non-Member Notary | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Box Drilling | $150Not compared: Box drilling or key fee | Not stated | None |
| Late Fee (10 Days) | $10Not compared: Box drilling or key fee | Not stated | None |
| Replacement Key | $30Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 x 24 | $85Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10 x 24 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 x 24 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 x 24 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 5 x 24 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Tax Levy/Garnishments | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 16, 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 First Alliance Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
7 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
| Rochester, MN | 4 |
| Byron, MN | 1 |
| Lake City, MN | 1 |
| Stewartville, MN | 1 |
Largest competitors nearby
Local market: Olmsted county, MN, around its headquarters.
| 21 in its local market | Deposit share |
|---|---|
| Think Mutual Bank | 28.7% |
| Wells Fargo Bank, National Association | 17.9% |
| U.S. Bank National Association | 10.1% |
| Alerus Financial, National Association | 6.6% |
| Old National Bank | 5.1% |
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.