Compared with Minnesota
0 of 10
compared fees are above the median.
9 below, 1 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
16th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Minnesota median
of 10 compared; 9 below, 1 about the same
See the feesFee schedule read Oct 5, 2026
Call-report figures are for Ely Area 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. | Ely Area Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 5, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 2.6% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (16th 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 $25K in Q2 2026, 14% above the same quarter a year earlier ($22K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
0 of 10 compared published fees sit above the Minnesota median; 9 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
Wire Transfer (Domestic Out)
Stop Payment
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 $25K. Its share of revenue, 2.6%, is below the 7.2% median for credit unions with under $300M in assets.
$25K
Ely Area 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.
Ely Area Federal Credit Union · $74M 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 21 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Ely Area Federal Credit Union(this institution) | Ely, MN | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Albright Federal Credit Union | Bethel, CT | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Altamaha Federal Credit Union | Jesup, GA | $74M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Blackstone River Federal Credit Union | Woonsocket, RI | $75M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Champion Federal Credit Union | Toledo, OH | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Chattanooga Federal Employees | Chattanooga, TN | $76M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cleveland-Bradley Cty Teacher Federal Credit Union | Cleveland, TN | $74M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Daviess County Teachers Federal Credit Union | Owensboro, KY | $75M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Delta County Federal Credit Union | Delta, CO | $73M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Education Personnel Federal Credit Union | Danville, IL | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Evergreendirect Federal Credit Union | Tumwater, WA | $76M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Priority Federal Credit Union | Huntington, WV | $75M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hawaii First Federal Credit Union | Kamuela, HI | $73M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Health Care Family Federal Credit Union | Saint Louis, MO | $75M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Integrity Federal Credit Union | Barberton, OH | $73M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| L C E Federal Credit Union | Painesville, OH | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lennox Employees Federal Credit Union | Marshalltown, IA | $73M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Michigan Columbus Federal Credit Union | Livonia, MI | $75M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| New England Teamsters Federal Credit Union | Charlestown, MA | $75M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| New York Times Employees Federal Credit Union | New York, NY | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northern Star Credit Union, Inc. | Portsmouth, VA | $74M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Omaha Firefighters Federal Credit Union | Omaha, NE | $76M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Peoples Federal Credit Union | Springfield, CO | $75M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Polam Federal Credit Union | Redwood City, CA | $73M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Teamsters Council #37 Federal Credit Union | Portland, OR | $76M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Texan Sky Federal Credit Union | Dumas, TX | $75M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $4 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 26, 2026.
Monthly maintenance fee in dollars, one mark per institution
Ely Area 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 26, 2026. Total assets from FDIC and NCUA records.
Call reports for Ely Area 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 | $25K | +$2K | +8.7% |
| Q1 2026 | $23K | −$4K | −14.8% |
| Q4 2025 | $27K | −$2K | −6.9% |
| Q3 2025 | $29K | +$7K | +31.8% |
| Q2 2025 | $22K | +$3K | +15.8% |
| Q1 2025 | $19K | +$4K | +26.7% |
| Q4 2024 | $15K | −$10K | −40.0% |
| Q3 2024 | $25K | +$3K | +13.6% |
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, Ely Area 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 Ely Area Federal Credit Union by share.
Amounts from Ely Area 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 item
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee per month (balance under $25.00/no other services) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research (per hour, one hour minimum) | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Non Sufficient Funds Fee (per item) | $20Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer (outgoing) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Wire Transfer (outgoing) | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier Check (per check) | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order (per money order) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment on EACU Corporate Check | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment on Personal Check single or series (audience not stated, treated as personal) | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Photocopy of paid items (per item) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Other Fees | |||
| Outgoing Fax per page (first 3 pages free) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopies (each) (first 2 free) | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copy (per month) (audience not stated, treated as personal) | $1Not compared: Monthly charge, not per item | per month | None |
| Statement Copy from Fiche (per month) | $3Not compared: Monthly charge, not per item | per month | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 5, 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 Ely Area Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Babbitt, MN | 1 |
| Ely, 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.