Shoreline Federal Credit Union

Headquarters: Two Rivers, Wisconsin
Charter: Credit Union
Assets: $160.0M
Fed district: Chicago
Regulator: NCUA

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

Source: its fee schedule, read Nov 1, 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 Nov 1, 2026

How these figures are measured

Call-report figures are for Shoreline 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.	Shoreline Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Shoreline 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 $170K in Q2 2026, 13% above the same quarter a year earlier ($151K).
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.

Monthly Maintenance
Shoreline Federal Credit Union: $5
Shoreline Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Shoreline Federal Credit Union: $28
Shoreline Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Shoreline Federal Credit Union: $28
Shoreline Federal Credit Union: $28
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Wisconsin, the Chicago 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).
Wisconsin: Banks and credit unions headquartered in Wisconsin that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 fell 4.5% from Q3 2025 to Q2 2026, to $170K.

Fee income, Q2 2026

$170K

$178KQ3 2025

$167KQ4 2025

$156KQ1 2026

$170KQ2 2026

Against the median

Shoreline 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

Shoreline Federal Credit Union · $160M 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 15 states.

Credit unions only
$156M to $164M in assets
Headquartered in 15 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
Shoreline Federal Credit Union(this institution)	Two Rivers, WI	$160M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
4U Federal Credit Union	Gainesville, TX	$156M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Best Reward Federal Credit Union	Brook Park, OH	$163M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bfg Federal Credit Union	Akron, OH	$160M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Chocolate Bayou Community Federal Credit Union	Alvin, TX	$158M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Communities Of Abilene Federal Credit Union	Abilene, TX	$161M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Community Service Federal Credit Union	Huntsville, TX	$164M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Fd Community Federal Credit Union	Waterbury, CT	$163M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Choice Federal Credit Union	West Palm Beach, FL	$161M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Georgia Heritage Federal Credit Union	Savannah, GA	$163M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Harbor Pointe Federal Credit Union	Duluth, MN	$158M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hartford Federal Credit Union	Hartford, CT	$160M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hello Federal Credit Union	Panama City, FL	$160M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Kerr County Federal Credit Union	Kerrville, TX	$156M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kings Federal Credit Union	Hanford, CA	$162M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Lincoln Maine Federal Credit Union	Lincoln, ME	$163M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Minnesota Power Employees Federal Credit Union	Duluth, MN	$162M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Nova Ua Federal Credit Union	Clifton, NJ	$156M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Power Federal Credit Union	Pueblo, CO	$156M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Priority One Credit Union	Sunrise, FL	$162M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Scenic Community Federal Credit Union	Hixson, TN	$164M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
South Bay Federal Credit Union	Redondo Beach, CA	$161M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Southern Chautauqua Federal Credit Union	Lakewood, NY	$163M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Focus Federal Credit Union	Oklahoma City, OK	$163M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Trailhead Federal Credit Union	Portland, OR	$156M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Wayne-Westland Federal Credit Union	Westland, MI	$161M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 11 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $2.50 (33%) below the median of similar-sized credit unions.

Its published price is $5, against a peer median of $7.50 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 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Shoreline Federal Credit…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

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.

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 Shoreline 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: $170K
vs prior quarter: +$14K+9.0%; from Q1 2026
vs a year earlier: +$19K+12.6%; from Q2 2025
vs start of range: +$27K+18.9%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Shoreline 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	$170K	+$14K	+9.0%
Q1 2026	$156K	−$11K	−6.6%
Q4 2025	$167K	−$11K	−6.2%
Q3 2025	$178K	+$27K	+17.9%
Q2 2025	$151K	+$23K	+18.0%
Q1 2025	$128K	−$28K	−17.9%
Q4 2024	$156K	+$13K	+9.1%
Q3 2024	$143K	+$2K	+1.4%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Maintenance fee$5
per month
Closure of Account (w/in 90 days)$50
Dormant Account$5
Excessive Debit Card$10
Research$25
Not compared: Charged per hour; comparison unavailable
per hour · Research ($25/Hour) | Quoted
Paper Statement$3
Returned Mail$10

Overdraft & NSF

Non-Sufficient Funds/Overdraft$28
Non-Sufficient Funds/Overdraft$28

Wire Transfers

Wire Transfer - Outgoing$25
Wire Transfer - Incoming$15

Check Services

Money Order/Cashier’s Check$5
Stop Payment$28
Foreign Check Charge$40

Digital & Electronic

Unused Bill-Pay$5

Cash & Deposit

Returned Deposit/Payment$10

Account Services

Garnishment/Levies$50

Other Fees

Fax/Photocopies$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Maintenance fee	$5	per month	None
Closure of Account (w/in 90 days)	$50	Not stated	None
Dormant Account	$5	Not stated	None
Excessive Debit Card	$10	Not stated	None
Research	$25Not compared: Charged per hour; comparison unavailable	per hour	Research ($25/Hour) \| Quoted
Paper Statement	$3	Not stated	None
Returned Mail	$10	Not stated	None
Overdraft & NSF
Non-Sufficient Funds/Overdraft	$28	Not stated	None
Non-Sufficient Funds/Overdraft	$28	Not stated	None
Wire Transfers
Wire Transfer - Outgoing	$25	Not stated	None
Wire Transfer - Incoming	$15	Not stated	None
Check Services
Money Order/Cashier’s Check	$5	Not stated	None
Stop Payment	$28	Not stated	None
Foreign Check Charge	$40	Not stated	None
Digital & Electronic
Unused Bill-Pay	$5	Not stated	None
Cash & Deposit
Returned Deposit/Payment	$10	Not stated	None
Account Services
Garnishment/Levies	$50	Not stated	None
Other Fees
Fax/Photocopies	$0.25	per item	None

Correct a fee source

Nov 1, 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 Shoreline Federal Credit Union's early account closure changes in our data

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