That group of 15 collected $1.32 billion in overdraft and NSF fees in 2024, or 25% of non-interest income. The average fee was $48 per member. They were:

Navy Federal Credit Union of Vienna, Va. ($194.2 billion in assets, 15 million members), which collected $724.7 million, or 27% of non-interest income. The average fee was $51 per member.
Randolph-Brooks Federal Credit Union of San Antonio ($18.9 billion in assets, 1.2 million members), which collected $90.5 million, or 36% of non-interest income. The average fee was $77 per member.
Mountain America Federal Credit Union of Salt Lake City ($21.7 billion in assets, 1.4 million members), which collected $87.7 million, or 25% of non-interest income. The average fee was $66 per member.
Idaho Central Credit Union of Chubbuck, Idaho ($13.9 billion in assets, 750,520 members), which collected $43.5 million, or 29% of non-interest income. The average fee was $65 per member.
Suncoast Credit Union of Tampa, Fla. ($19.1 billion in assets, 1.3 million members), which collected $43.3 million, or 25% of non-interest income. The average fee was $34 per member.
America First Federal Credit Union of Riverdale, Utah ($23.3 billion in assets, 1.5 million members), which collected $42 million, or 16% of non-interest income. The average fee was $28 per member.
Police & Fire Federal Credit Union of Philadelphia ($9.8 billion in assets, 439,277 members), which collected $40.3 million, or 41% of non-interest income. The average fee was $89 per member.
Security Service Federal Credit Union of San Antonio ($14.1 billion in assets, 750,086 members), which collected $34.9 million, or 22% of non-interest income. The average fee was $47 per member.
MidFlorida Credit Union of Lakeland, between Tampa and Orlando ($8.8 billion in assets, 487,218 members), which collected $34.5 million, or 27% of non-interest income. The average fee was $72 per member.
Desert Financial Credit Union of Phoenix ($9.2 billion in assets, 497,868 members), which collected $33.7 million, or 21% of non-interest income. The average fee was $71 per member.
Members 1st Federal Credit Union of the Harrisburg, Pa. area ($8.3 billion in assets, 624,987 members), which collected $33.1 million, or 28% of non-interest income. The average fee was $55 per member.
VyStar Credit Union of Jacksonville, Fla. ($13.9 billion in assets, 1 million members), which collected $31.2 million, or 18% of non-interest income. The average fee was $31 per member.
Broadview Federal Credit Union of Albany, N.Y. ($9 billion in assets, 510,624 members), which collected $30.1 million, or 27% of non-interest income. The average fee was $60 per member.
CommunityAmerica Credit Union of Lenexa, Kan. ($5.4 billion in assets, 380,564 members), which collected $24.5 million, or 17% of non-interest income. The average fee was $72 per member.
State Employees' Credit Union of Raleigh, N.C. ($56.8 billion in assets, 3 million members), which collected $24 million, or 6% of non-interest income. The average fee was $8 per member.

The six other credit unions sent letters seemed be chosen based on other criteria. They had assets ranging from $1.5 billion at Frontwave Credit Union of Oceanside, Calif., between Los Angeles and San Diego, to $21 billion at Golden 1 Credit Union of Sacramento, Calif. The six collected $83.8 million in overdraft and NSF fees in 2024, or 21% of non-interest income. The average fee was $31 per member. They were:

Municipal Credit Union of New York ($4.7 billion in assets, 636,774 members), which collected $20.9 million, or 26% of non-interest income. The average fee was $34 per member.
Eastman Credit Union of Kingsport, Tenn. ($9.7 billion in assets, 356,492 members), which collected $19.4 million, or 25% of non-interest income. The average fee was $56 per member.
Everwise Credit Union of South Bend, Ind. ($5.5 billion in assets, 298,696 members), which collected $14.2 million, or 23% of non-interest income. The average fee was $48 per member.
Golden 1 Credit Union of Sacramento, Calif. ($21.1 billion in assets, 1.2 million members), which collected $11.5 million, or 11% of non-interest income. The average fee was $10 per member.
California Credit Union of Los Angeles ($5.2 billion in assets, 201,474 members), which collected $9.8 million, or 25% of non-interest income. The average fee was $49 per member.
Frontwave Credit Union of Oceanside, Calif., between Los Angeles and San Diego ($1.5 billion in assets, 130,089 members), which collected $8.1 million, or 25% of non-interest income. The average fee was $65 per member.

Contact Jim DuPlessis at JDuPlessis@cutimes.com.

Instant Insights /

Analysis Finds Higher Reliance on Overdraft Fees Among 21 Credit Unions Targeted by Sen. Warren

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