Electric Machinery Employees Federal Credit Union

Headquarters: Minneapolis, Minnesota
Charter: Credit Union
Assets: $8.4M
Fed district: Minneapolis
Regulator: NCUA

6 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 5, 2026.

Overview

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 Oct 5, 2026

How these figures are measured

Call-report figures are for Electric Machinery Employees 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.	Electric Machinery Employees 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

Details

Source: NCUA 5300 call report
Entity: Electric Machinery Employees Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $1K in Q2 2026, 50% below the same quarter a year earlier ($2K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
Electric Machinery Employees Federal Credit Union: $30
Electric Machinery Employees Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Electric Machinery Employees Federal Credit Union: $1
Electric Machinery Employees Federal Credit Union: $1
U.S. median: no median
Stop Payment
Electric Machinery Employees Federal Credit Union: $30
Electric Machinery Employees Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income was about level from Q3 2025 to Q2 2026, at $1K.

Fee income, Q2 2026

$1K

$1KQ3 2025

$1KQ4 2025

$0Q1 2026

$1KQ2 2026

Against the median

Electric Machinery Employees Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Electric Machinery Employees Federal Credit Union · $8M 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 14 states.

Credit unions only
$8M to $9M in assets
Headquartered in 14 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Electric Machinery Employees Federal Credit Union(this institution)	Minneapolis, MN	$8M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Arkansas Education Association Federal Credit Union	Little Rock, AR	$8M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Bcbst Employees Federal Credit Union	Chattanooga, TN	$8M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Champion Federal Credit Union	Cambridge, OH	$8M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community First Federal Credit Union	Hannibal, MO	$9M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Crayola Llc Employees Credit Union	Easton, PA	$8M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Dedham Town Employees Federal Credit Union	Dedham, MA	$9M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
District 08 Federal Credit Union	Alexandria, LA	$9M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Finans Federal Credit Union	Hammond, IN	$9M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Pace Federal Credit Union	West St Paul, MN	$9M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Gallatin Steam Plant Federal Credit Union	Gallatin, TN	$8M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Iberville Federal Credit Union	Plaquemine, LA	$9M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kahuku Federal Credit Union	Kahuku, HI	$8M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
L. A. Mission Federal Credit Union	San Fernando, CA	$9M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Longshore Federal Credit Union	Hoquiam, WA	$8M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Lowell Municipal Employees Federal Credit Union	Lowell, MA	$9M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mosaic Federal Credit Union	Harrisonburg, VA	$9M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Natural State Federal Credit Union	Searcy, AR	$9M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Phb Employees Federal Credit Union	Fairview, PA	$8M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Priority Federal Credit Union	Russellville, AR	$8M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Sewerage & Water Board Employees Federal Credit Union	New Orleans, LA	$9M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Sister'S Hospital Employees Federal Credit Union	Buffalo, NY	$8M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Summit Hampton Roads Federal Credit Union	Norfolk, VA	$8M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Team First Federal Credit Union	Lancaster, PA	$8M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
U F C W Local 1776 Federal Credit Union	Plymouth Meeting, PA	$8M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Va Hospital Federal Credit Union	Little Rock, AR	$9M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(out-of-network atm)

17 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Out-of-network ATM is broadly aligned with similar-sized credit unions: within 1% of their median.

Compared at $1, the middle of its two prices, against a peer median of $1 among 8 publishing peers.

Its two prices are $1 and $1.

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 25, 2026.

Out-of-network ATM fee in dollars, one mark per institution

Electric Machinery Employ…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

Against this institution's out-of-network atm fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 25, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Electric Machinery Employees Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $1K
vs prior quarter: +$1K; from Q1 2026
vs a year earlier: −$1K−50.0%; from Q2 2025
vs start of range: +$1K; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Electric Machinery Employees Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$1K	+$1K
Q1 2026	$0	−$1K	−100.0%
Q4 2025	$1K	$0	0.0%
Q3 2025	$1K	−$1K	−50.0%
Q2 2025	$2K	+$2K
Q1 2025	$0	−$1K	−100.0%
Q4 2024	$1K	+$1K
Q3 2024	$0	−$1K	−100.0%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Electric Machinery Employees Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Fee$10
per month

Overdraft & NSF

NSF Fee$30
per item
Returned Check Fee$30
per item

ATM & Card

Shazam Inquiry Fee$1
per item
Shazam Withdrawal Fee$1
per transaction
VISA Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction

Check Services

Stop Payment Fee$30
per item

Retirement & IRA

Annual IRA Fee$8
per year

Other Fees

Skip-A-Payment Fee$35

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$10	per month	None
Overdraft & NSF
NSF Fee	$30	per item	None
Returned Check Fee	$30	per item	None
ATM & Card
Shazam Inquiry Fee	$1	per item	None
Shazam Withdrawal Fee	$1	per transaction	None
VISA Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Check Services
Stop Payment Fee	$30	per item	None
Retirement & IRA
Annual IRA Fee	$8	per year	None
Other Fees
Skip-A-Payment Fee	$35	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

Correct a fee source

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.

Fee change alerts

Get an email when Electric Machinery Employees Federal Credit Union's safe deposit box changes in our data

We check once a day and send one email covering every change.