Compared with Wisconsin
2 of 14
compared fees are above the median.
11 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
5th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Wisconsin median
of 14 compared; 11 below, 1 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Co-Op 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 Wisconsin median | Published fees above the Wisconsin median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Co-Op 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
Fee income was 2.7% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (5th 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 $238K in Q2 2026, 1.7% above the same quarter a year earlier ($234K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 14 compared published fees sit above the Wisconsin median; 11 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 Wisconsin medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $1.50, the middle of its prices
NSF / Returned Item
Compared at $12.50, the middle of its prices
Wire Transfer (Domestic Out)
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.
Fee income was about level from Q3 2025 to Q2 2026, at $238K. Its share of revenue, 2.7%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$238K
Co-Op 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. *Monthly maintenance: Listed at $1 to $2; we compare the midpoint.
Co-Op Federal Credit Union · $627M 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 |
|---|---|---|---|---|---|---|---|
| Co-Op Federal Credit Union(this institution) | Black River Falls, WI | $627M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Adventure Federal Credit Union | Grand Rapids, MI | $646M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Beehive Federal Credit Union | Rexburg, ID | $648M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central Willamette Federal Credit Union | Albany, OR | $618M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| City Federal Credit Union | Dallas, TX | $630M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coast360 Federal Credit Union | Maite, GU | $633M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Dugood Federal Credit Union | Beaumont, TX | $609M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Educators Federal Credit Union | Waco, TX | $610M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Embers Federal Credit Union | Marquette, MI | $622M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Emblem Credit Union | Gadsden, AL | $628M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Evergreen Federal Credit Union | Portland, ME | $645M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fedex Employees Credit Association Federal Credit Union | Memphis, TN | $641M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Floridacentral Federal Credit Union | Tampa, FL | $622M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| G.P.O. Federal Credit Union | New Hartford, NY | $630M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Homeland Federal Credit Union | Chillicothe, OH | $624M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| I.L.W.U. Federal Credit Union | Long Beach, CA | $608M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Inova Federal Credit Union | Elkhart, IN | $643M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Insight Federal Credit Union | Winter Springs, FL | $629M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Johns Hopkins Federal Credit Union | Baltimore, MD | $637M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Metro Credit Union | Omaha, NE | $646M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Minnco Federal Credit Union | Cambridge, MN | $605M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| National Police Federal Credit Union | Chicago, IL | $621M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Our Community Federal Credit Union | Shelton, WA | $638M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Partner Colorado Federal Credit Union | Arvada, CO | $644M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southpoint Financial Federal Credit Union | Sleepy Eye, MN | $609M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Town & Country Federal Credit Union | South Portland, ME | $621M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ 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
Compared at $1.50, the middle of its two prices, against a peer median of $6 among 9 publishing peers.
Its two checking prices are $1 and $2.
$1.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Co-Op 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 | $238K | +$31K | +15.0% |
| Q1 2026 | $207K | −$33K | −13.7% |
| Q4 2025 | $240K | +$3K | +1.3% |
| Q3 2025 | $237K | +$3K | +1.3% |
| Q2 2025 | $234K | +$44K | +23.2% |
| Q1 2025 | $190K | −$14K | −6.9% |
| Q4 2024 | $204K | −$14K | −6.4% |
| Q3 2024 | $218K | +$8K | +3.8% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Co-Op 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 Co-Op Federal Credit Union by share.
Amounts from Co-Op 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 · Research Time (reconciling statements, etc.) | $25.00/hour
per item
per item
per year
per year
per year
per year
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Debit-Only Monthly Fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dividend (Share Draft) Checking Monthly Fee | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account Fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research Time (reconciling statements, etc.) | $25Not compared: Charged per hour; comparison unavailable | per hour | Research Time (reconciling statements, etc.) | $25.00/hour |
| Returned Mail | $10Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Bill Pay NSF Fee | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF Fee/Items returned | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Expedited Debit Card | $45Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Certified Checks | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Corporate Checks | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
Digital & Electronic | |||
| Non-recurring ACH Origination | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Cash & Deposit | |||
| Coin Counting (non-members) | 10% | Not stated | None |
| Coin Counting (non-members) (audience not stated, treated as personal) | 10% | Not stated | None |
| Cash Advance (Mastercard) | $1.50Below the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Returned Check Fee | $5Below the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Replacement Lock with Drilling | $150Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10" x 10" | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10" x 10" (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3" x 10" | $24Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3" x 10" (audience not stated, treated as personal) | $24Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3" x 5" | $12Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3" x 5" (audience not stated, treated as personal) | $12Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5" x 10" | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5" x 10" (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Legal Processing (plus charges by others) | $30Below 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) | per item | None |
Other Fees | |||
| Photocopies | $0.20Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Reprint | $5Not 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
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour · Research Time (reconciling statements, etc.) | $25.00/hour
per item
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Debit-Only Monthly Fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dividend (Share Draft) Checking Monthly Fee | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account Fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research Time (reconciling statements, etc.) | $25Not compared: Charged per hour; comparison unavailable | per hour | Research Time (reconciling statements, etc.) | $25.00/hour |
| Returned Mail | $10Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Bill Pay NSF Fee | No chargeBelow the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF Fee/Items returned | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Expedited Debit Card | $45Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Certified Checks | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Corporate Checks | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
Digital & Electronic | |||
| Non-recurring ACH Origination | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Set-up fee | $50 | Not stated | None |
Cash & Deposit | |||
| Coin Counting (non-members) | 10% | Not stated | None |
| Cash Advance (Mastercard) | $1.50Below the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Returned Check Fee | $5Below the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Replacement Lock with Drilling | $150Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10" x 10" | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3" x 10" | $24Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3" x 5" | $12Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5" x 10" | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Legal Processing (plus charges by others) | $30Below 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) | per item | None |
Other Fees | |||
| Photocopies | $0.20Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Reprint | $5Not compared: Monthly charge, not per item | per month | None |
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.
Where Co-Op Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
10 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Black River Falls, WI | 3 |
| Fall Creek, WI | 1 |
| Galesville, WI | 1 |
| La Crosse, WI | 1 |
| Melrose, WI | 1 |
| Neillsville, WI | 1 |
| Onalaska, WI | 1 |
| Strum, WI | 1 |
Largest competitors nearby
Local market: Jackson county, WI, around its headquarters.
| 3 in its local market | Deposit share |
|---|---|
| Security Financial Bank | 54.5% |
| Black River Country Bank | 36.9% |
| Waumandee State Bank | 8.7% |
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.