Compared with Minnesota
6 of 11
compared fees are above the median.
5 below, 0 about the same.
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
43rd percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Minnesota median
of 11 compared; 5 below, 0 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for Southpoint Financial 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 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. | Southpoint Financial Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.3% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (43rd 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 $631K in Q2 2026, 4.7% below the same quarter a year earlier ($662K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 11 compared published fees sit above the Minnesota median; 5 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.
Overdraft (OD)
Compared at $20, its standard fee, the highest of its prices
NSF / Returned Item
Compared at $20, 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 8.6% from Q3 2025 to Q2 2026, to $631K. Its share of revenue, 7.3%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$631K
Southpoint Financial 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. *Overdraft: Listed at $15 to $20; we compare the highest.
Southpoint Financial Federal Credit Union · $609M 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Southpoint Financial Federal Credit Union(this institution) | Sleepy Eye, MN | $609M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ascentra Federal Credit Union | Bettendorf, IA | $596M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 |
| Co-Op Federal Credit Union | Black River Falls, WI | $627M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Diversified Members Federal Credit Union | Detroit, MI | $589M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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 |
| Dupage Federal Credit Union | Naperville, IL | $600M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Embold Federal Credit Union | Oregon City, OR | $596M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Fairmont Federal Credit Union | Fairmont, WV | $603M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 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 |
| 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 |
| 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 |
| Securityplus Federal Credit Union | Baltimore, MD | $597M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Siu Federal Credit Union | Carbondale, IL | $591M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Tech Federal Credit Union | Crown Point, IN | $599M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 |
| Transcend Federal Credit Union | Louisville, KY | $588M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Union Square Credit Union | Wichita Falls, TX | $601M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Via Credit Union | Marion, IN | $604M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 12 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
Southpoint Financial 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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Southpoint Financial Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 42 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $631K | −$61K | −8.8% |
| Q1 2026 | $692K | +$24K | +3.6% |
| Q4 2025 | $668K | −$22K | −3.2% |
| Q3 2025 | $690K | +$28K | +4.2% |
| Q2 2025 | $662K | +$38K | +6.1% |
| Q1 2025 | $624K | −$49K | −7.3% |
| Q4 2024 | $673K | +$51K | +8.2% |
| Q3 2024 | $622K | +$31K | +5.2% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Southpoint Financial 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 Southpoint Financial Federal Credit Union by share.
Amounts from Southpoint Financial Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per quarter
per quarter
per hour
per month
per item
per item
per item
per item
per item
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account (audience not stated, treated as personal) | $15Not compared: Quarterly charge, not monthly | per quarter | None |
| Dormant Fee | $15Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Research | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Mailed Statement | $5Above the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
Overdraft & NSF | |||
| EzMoney Non-Sufficient Funds/Overdraft Fee | $15Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds/Overdraft Fee | $20Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| EzMoney Non-Sufficient Funds/Overdraft Fee | $15Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Non-Sufficient Funds/Overdraft Fee | $20Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Item - | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Debit Card Replacement | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Stop Payment Order | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Non-Member Check Cashing | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Copies with Mailed Statement | $5Not compared: Monthly charge, not per item | per month | None |
| Printed Items/Photo Copies (includes Statements & Check Copies) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Foreign Fee: Returned Item | $30Above the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
| Returned Deposited Check - in branch or mobile | $10Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Fee | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Levy Fee | $100Above the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Cards | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 3, 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 Southpoint Financial Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
9 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Sleepy Eye, MN | 2 |
| Buffalo, MN | 1 |
| Hutchinson, MN | 1 |
| New Ulm, MN | 1 |
| North Mankato, MN | 1 |
| Saint Peter, MN | 1 |
| Springfield, MN | 1 |
| Waconia, MN | 1 |
Largest competitors nearby
Local market: Brown county, MN, around its headquarters.
| 10 in its local market | Deposit share |
|---|---|
| Citizens Bank Minnesota | 28.1% |
| Alliance Bank | 17.1% |
| Frandsen Bank & Trust | 11.9% |
| Bank Midwest | 10.5% |
| Farmers and Merchants State Bank of Springfield | 8.9% |
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.