Compared with Minnesota
10 of 19
compared fees are above the median.
6 below, 3 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
10th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Minnesota median
of 19 compared; 6 below, 3 about the same
See the feesFee schedule read Oct 17, 2026
Call-report figures are for First Pace 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. | First Pace Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 1.7% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (10th 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 $2K in Q2 2026, 33% below the same quarter a year earlier ($3K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
10 of 19 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
Compared at $27.50, the middle of its prices
Wire Transfer (Domestic Out)
Compared at $22.50, the middle of its prices
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 50% from Q3 2025 to Q2 2026, to $2K. Its share of revenue, 1.7%, is below the 7.2% median for credit unions with under $300M in assets.
$2K
First Pace 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.
First Pace Federal Credit Union · $9M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Pace Federal Credit Union(this institution) | 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 |
| 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 |
| 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 |
| Electric Machinery Employees Federal Credit Union | Minneapolis, MN | $8M | Monthly maintenance not published | Publishes Out-of-network ATM | 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 |
| 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 |
| 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 |
| Metropolitan "L" Federal Credit Union | Oak Park, IL | $9M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | 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 |
| U-1St Community Federal Credit Union | Carlsbad, NM | $9M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 · 11 publish this fee(out-of-network atm)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1 among 11 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 25, 2026.
Out-of-network ATM fee in dollars, one mark per institution
First Pace 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 25, 2026. Total assets from FDIC and NCUA records.
Call reports for First Pace 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 | $2K | $0 | 0.0% |
| Q1 2026 | $2K | $0 | 0.0% |
| Q4 2025 | $2K | −$2K | −50.0% |
| Q3 2025 | $4K | +$1K | +33.3% |
| Q2 2025 | $3K | +$1K | +50.0% |
| Q1 2025 | $2K | −$1K | −33.3% |
| Q4 2024 | $3K | $0 | 0.0% |
| Q3 2024 | $3K | +$1K | +50.0% |
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, First Pace 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 Pace Federal Credit Union by share.
Amounts from First Pace Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account(s) | $20Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Checking Account (after 6 months) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation or Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Debit Card Chargeback or Fraud Claim | $35Above the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Returned Mail or Statement | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Insufficient Funds (NSF) per item | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Insufficient funds-NSF (per item) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned item (per presentment) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Item (per presentment) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Protection | $1.50Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Overdraft Protection | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Replacement Debit Card | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Debit Card | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer (Outgoing) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer: Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (Incoming) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer: Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Stop Payment Credit Union Check (after 90 days) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Non-Member Check Cashing Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Digital & Electronic | |||
| Same day ACH (received by 2PM) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| DC Chargeback or Fraud Claimed Unsubstantiated | $35Above the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Levy or Garnishment Processing | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Subordination fee | $150Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Gift Card | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| VISA Gift Card | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Copy of cleared or deposited check | $4Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Duplicate Lien Release | $15Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Home Equity Loan Processing | $300Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Home Equity Loan Processing Fee | $250Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 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 First Pace Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Inver Grove Heights, MN | 1 |
| Little Canada, MN | 1 |
| West St Paul, MN | 1 |
Largest competitors nearby
Local market: Dakota county, MN, around its headquarters.
| 48 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 25.2% |
| U.S. Bank National Association | 16.1% |
| Old National Bank | 10% |
| Vermillion State Bank | 8.1% |
| The Huntington National Bank | 7.5% |
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.