Compared with Minnesota
8 of 15
compared fees are above the median.
6 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
52nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Minnesota median
of 15 compared; 6 below, 1 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Smw 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 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. | Smw Financial Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.4% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (52nd 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 $95K in Q2 2026, 6.9% below the same quarter a year earlier ($102K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 15 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.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
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 rose 20% from Q3 2025 to Q2 2026, to $95K. Its share of revenue, 7.4%, is above the 7.2% median for credit unions with under $300M in assets.
$95K
Smw 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 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Smw Financial Federal Credit Union · $87M 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 |
|---|---|---|---|---|---|---|---|
| Smw Financial Federal Credit Union(this institution) | Lino Lakes, MN | $87M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dc Federal Credit Union | Washington, DC | $89M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Domino Federal Credit Union | Texarkana, TX | $87M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Firefighters Federal Credit Union | Indianapolis, IN | $88M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Education Federal Credit Union | Cheyenne, WY | $87M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Front Royal Federal Credit Union | Front Royal, VA | $87M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Lampco Federal Credit Union | Anderson, IN | $90M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| My Pensacola Federal Credit Union | Pensacola, FL | $89M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Power Co-Op Employees Federal Credit Union | Humboldt, IA | $86M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Public Service #3 Federal Credit Union | Fort Wayne, IN | $87M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pwc Employees Federal Credit Union | Woodbridge, VA | $86M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Radius Federal Credit Union | Kenmore, NY | $87M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ravalli County Federal Credit Union | Hamilton, MT | $89M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Riverbank Federal Credit Union | Windsor Locks, CT | $87M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Snocope Federal Credit Union | Everett, WA | $89M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southland Federal Credit Union | Lufkin, TX | $89M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southwest Research Center Federal Credit Union | San Antonio, TX | $88M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Spokane Firefighters Federal Credit Union | Spokane, WA | $86M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Susquehanna Valley Federal Credit Union | Camp Hill, PA | $87M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| T M H Federal Credit Union | Tallahassee, FL | $87M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Taylor Federal Credit Union | Medford, WI | $89M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| The Credit Union For All | Bloomington, IL | $90M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| U. S. Employees Federal Credit Union | Tomball, TX | $86M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Union Building Trades Federal Credit Union | Parsippany, NJ | $86M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Volt Federal Credit Union | Springfield, MO | $86M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wexford Community Federal Credit Union | Cadillac, MI | $89M | 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 · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $3.75 among 8 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 28, 2026.
Monthly maintenance fee in dollars, one mark per institution
Smw 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 28, 2026. Total assets from FDIC and NCUA records.
Call reports for Smw 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 | $95K | +$18K | +23.4% |
| Q1 2026 | $77K | $0 | 0.0% |
| Q4 2025 | $77K | −$2K | −2.5% |
| Q3 2025 | $79K | −$23K | −22.5% |
| Q2 2025 | $102K | +$9K | +9.7% |
| Q1 2025 | $93K | −$7K | −7.0% |
| Q4 2024 | $100K | +$8K | +8.7% |
| Q3 2024 | $92K | −$10K | −9.8% |
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, Smw 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 Smw Financial Federal Credit Union by share.
Amounts from Smw Financial Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Research & Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Processing Fee | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Return Mail Fee | $15Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Garnishment / Levy Maintenance Returned Item Fee (RDI) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Monthly ATM / debit cash withdrawals | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement of Debit Card | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer In USA (domestic) | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashiers Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| ACH Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Bank Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Check Photocopies / Inquiries | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay Free Direct Deposit | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Counting Members (audience not stated, treated as personal) | 5% | Not stated | None |
Account Services | |||
| Deposit Lost Key | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 (audience not stated, treated as personal) | $60Not compared: Monthly charge, not annual | per month | None |
| Safe Deposit Box 5 x 5 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Drilling Fee | $225Not compared: Box drilling or key fee | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Out Expense | $60Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Credit Card Loan Payment by Phone | $9.95Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Other Lending Fee | $15Not 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
Oct 11, 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 Smw Financial Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 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
| Lino Lakes, MN | 1 |
| Maplewood, MN | 1 |
Largest competitors nearby
Local market: Anoka county, MN, around its headquarters.
| 31 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 32.3% |
| U.S. Bank National Association | 23.2% |
| The Huntington National Bank | 13.7% |
| Village Bank | 5.9% |
| 21st Century Bank | 5.8% |
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.