St. Cloud Financial Federal Credit Union

Headquarters: Sartell, Minnesota
Charter: Credit Union
Assets: $456.4M
Fed district: Minneapolis
Regulator: NCUA

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

Source: its fee schedule, read Oct 9, 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 Oct 9, 2026

How these figures are measured

Call-report figures are for St. Cloud 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) 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.	St. Cloud Financial Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 9, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: St. Cloud Financial 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 $571K in Q2 2026, 11% above the same quarter a year earlier ($513K).
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
St. Cloud Financial Federal Credit Union: $3.95
St. Cloud Financial Federal Credit Union: $3.95
U.S. median: no median
Overdraft (OD)
St. Cloud Financial Federal Credit Union: $35
St. Cloud Financial Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
St. Cloud Financial Federal Credit Union: $35
St. Cloud Financial Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

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.

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).
Minnesota: Banks and credit unions headquartered in Minnesota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 7.5% from Q3 2025 to Q2 2026, to $571K.

Fee income, Q2 2026

$571K

$617KQ3 2025

$567KQ4 2025

$529KQ1 2026

$571KQ2 2026

Against the median

St. Cloud Financial 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

St. Cloud Financial Federal Credit Union · $456M 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
$443M to $469M 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
St. Cloud Financial Federal Credit Union(this institution)	Sartell, MN	$456M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Aerospace Federal Credit Union	Los Angeles, CA	$446M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Aod Federal Credit Union	Bynum, AL	$467M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Assemblies Of God Federal Credit Union	Springfield, MO	$450M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Baton Rouge Telco Federal Credit Union	Baton Rouge, LA	$458M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Boston Firefighters Federal Credit Union	Dorchester, MA	$453M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Canton School Employees Federal Credit Union	North Canton, OH	$462M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cascade Community Federal Credit Union	Roseburg, OR	$465M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Centric Federal Credit Union	West Monroe, LA	$448M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cse Federal Credit Union	Lake Charles, LA	$446M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cu Hawaii Federal Credit Union	Hilo, HI	$460M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fedchoice Federal Credit Union	Lanham, MD	$469M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Fort Community Federal Credit Union	Fort Atkinson, WI	$450M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gain Federal Credit Union	Burbank, CA	$454M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Infuze Federal Credit Union	Fort Leonard Wood, MO	$457M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mid-Atlantic Federal Credit Union	Germantown, MD	$443M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Millbury Federal Credit Union	Millbury, MA	$468M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
North Star Community Federal Credit Union	Maddock, ND	$465M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Ouachita Valley Federal Credit Union	West Monroe, LA	$464M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Picatinny Federal Credit Union	Dover, NJ	$459M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Public Service Federal Credit Union	Romulus, MI	$468M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
St. Louis Community Federal Credit Union	Saint Louis, MO	$445M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Suma Federal Credit Union	Yonkers, NY	$468M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Tidemark Federal Credit Union	Seaford, DE	$469M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Wheelhouse Federal Credit Union	San Diego, CA	$460M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Wmcu Federal Credit Union	Grand Rapids, MI	$455M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $2.05 (34%) below the median of similar-sized credit unions.

Its published price is $3.95, against a peer median of $6 among 14 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

St. Cloud Financial Feder…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 St. Cloud Financial Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 30 quarters on file

Latest, Q2 2026: $571K
vs prior quarter: +$42K+7.9%; from Q1 2026
vs a year earlier: +$58K+11.3%; from Q2 2025
vs start of range: +$106K+22.8%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: St. Cloud Financial 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	$571K	+$42K	+7.9%
Q1 2026	$529K	−$38K	−6.7%
Q4 2025	$567K	−$50K	−8.1%
Q3 2025	$617K	+$104K	+20.3%
Q2 2025	$513K	+$44K	+9.4%
Q1 2025	$469K	−$64K	−12.0%
Q4 2024	$533K	+$68K	+14.6%
Q3 2024	$465K	+$4K	+0.9%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Checking Accounts - Reward, Regular, Dividend, Prestige Monthly service charge$3.95
per month

Overdraft & NSF

Courtesy Pay Item$35
Return Item$35

ATM & Card

International Transaction Fee1%of the transaction

Wire Transfers

Wire out$50
Wire Transfers - Within USA: Outgoing$20
Wire Transfers - Within USA: Incoming$10

Check Services

Stop Payment$10

Cash & Deposit

Cash Advance/Convenience Loan Payment Fee$10
Deposit Item Return - Check drawn on the member's account at another institution$35
Deposit Item Return - Check from another party$5

Account Services

Drilled Box$250
Not compared: Box drilling or key fee
Lost Key$25
Not compared: Box drilling or key fee
Safe Deposit Box 10X10$80
per year
Safe Deposit Box 3X10$30
per year
Safe Deposit Box 5X10$40
per year

Other Fees

Rish Order - 2 day FedEx shippping$35

Fee	Amount	Basis	Note
Account Maintenance
Checking Accounts - Reward, Regular, Dividend, Prestige Monthly service charge	$3.95	per month	None
Overdraft & NSF
Courtesy Pay Item	$35	Not stated	None
Return Item	$35	Not stated	None
ATM & Card
International Transaction Fee	1%of the transaction	Not stated	None
Wire Transfers
Wire out	$50	Not stated	None
Wire Transfers - Within USA: Outgoing	$20	Not stated	None
Wire Transfers - Within USA: Incoming	$10	Not stated	None
Check Services
Stop Payment	$10	Not stated	None
Cash & Deposit
Cash Advance/Convenience Loan Payment Fee	$10	Not stated	None
Deposit Item Return - Check drawn on the member's account at another institution	$35	Not stated	None
Deposit Item Return - Check from another party	$5	Not stated	None
Account Services
Drilled Box	$250Not compared: Box drilling or key fee	Not stated	None
Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10X10	$80	per year	None
Safe Deposit Box 3X10	$30	per year	None
Safe Deposit Box 5X10	$40	per year	None
Other Fees
Rish Order - 2 day FedEx shippping	$35	Not stated	None

Correct a fee source

Oct 9, 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

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