Non-Interest Income Survey

Survey Overview

Callahan & Associates is conducting a Non-Interest Income Survey that will allow participants to achieve a holistic view of current and potential NII sources and augment their earnings potential. This credit union-only survey should be completed by CFOs or equivalent-level employees.

We recommend having your credit union’s income statement and non-interest income general ledger available before beginning the survey. Unless otherwise specified, we ask that you use whole numbers (e.g. 0, 100, 251, 1538, etc.) and avoid entering commas, decimals, or non-numerical characters in your responses. Please call (202) 223-3920 or email support@callahan.com with any questions.

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* 1. Contact Information

Name *

Credit Union *

Primary Field of Membership *

Charter Number

State/Province *

Email Address *

Phone Number

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* 2. What was your total income from credit cards in 2015?

Income from Credit Card Interchange

If available, what is the average interchange amount per transaction (ex. $0.20)?

Income from Credit Card Fees

Income from Credit Card Replacement

If yes, what is the average card replacement fee (ex. $4.50)?

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* 3. What was your total income from debit cards in 2015?

Income from Debit Card Interchange - PIN Transactions

If available, what is the average PIN transaction interchange amount (ex. $0.40)?

Income from Debit Card Interchange - Signature Transactions

If available, what is the average signature transaction interchange amount (ex. $0.40)?

Income from Debit Card Replacement Fees

If available, what is the average debit card replacement fee (ex. $4.50)?

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* 4. What was your total income from prepaid cards in 2015?

Income from Prepaid Card Fees

If available, what is the activation fee?

If available, what is the reload fee?

If available, what is the maintenance fee?

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* 5. What was your total income from ACH fees in 2015?

Income from ACH Fees

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* 6. Do you offer a rewards system for credit and/or prepaid card transactions?

Yes

If yes, please describe (signature, platinum, rewards, cash, etc.)

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* 7. Do you offer a rewards system for debit card transactions?

Yes

If yes, please describe (signature, platinum, rewards, cash, etc.)

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* 8. What was your total income from ATM fees in 2015?

Total income from ATM Surcharge

If available, what is the average surcharge fee?

If available, what is the average member surcharge fee?

If available, what is the average non-member surcharge fee?

Income from ATM Interchange

Income from Other ATM Related Fees

If your credit union charges members a foreign ATM fee, what is the total income from this surcharge?

If your credit union charges members a foreign ATM fee, what is the average surcharge?

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* 9. How does your credit union report income from ATM fees on the 5300 Call Report?

As the gross amount (before subtracting expenses)

As the net amount (after subtracting expenses)

Other (please specify)

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* 10. Is your credit union able to report NSF and courtesy pay separately?

Yes - answer in question 11

No - answer below

If no, enter the combined NSF and courtesy pay total from 2015 here

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* 11. What was your total income from checking and savings account fees in 2015?

Income from NSF

Income from Courtesy Pay/Overdraft Protection

If available, what is the average courtesy pay/overdraft fee (ex. $20)?

Income from Check Sales (e.g. personal checks)

Income from Low Balance Fees

Income from Checking Account Fees

Income from Paper Statement Fees

If available, what is the average paper statement fee (ex. $10)?

Income from Dormant Account Fees

Income from Wire Transfer Fees

Income from Money Orders

Income from Cashiers & Traveler's Checks

Fees Refunded to Members

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* 12. Do you provide more than one type of checking account to your members?

Yes

If yes, what is the fee range for these accounts (smallest to largest)? Please include a link to the account options on your site.

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* 13. What was your total income from real estate products and services in 2015?

Income from Gain on Sale to the Secondary Market

Income from Servicing Rights/Servicing Fees

Income from Real Estate Application Fees

Income from Real Estate Late Fees

Income from Real Estate Closing Fees

Other Income from Real Estate

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* 14. What was your total income from auto products/service sales in 2015?

Income from Indirect Auto Processing Fees

Mechanical Repair Coverage

Other Auto Product/Service Income

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* 15. What was your total income from insurance fees in 2015?

Income from GAP coverage

Income from Warranty

Income from Property/Casualty

Income from Credit Insurance

Other Insurance Fee Income

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* 16. What was your total income from broker/dealer sales and services in 2015?

Income from Mutual Funds

Income from Stocks

Income from Annuities

Other

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* 17. Does your credit union report income from unconsolidated CUSO activity?

Yes

If yes, please report total Income from unconsolidated CUSO activity (included in account code 659 on the 5300 Call Report)

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* 18. What was your total non-interest income from one-time events in 2015 not reported on the 5300 Call Report (ex. sale on credit card portfolio)?

If one-time event, account name

Amount

If one-time event, account name

Amount

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* 19. What was your total income from additional fees in 2015?

Income from Consumer Loan Application Fees (excluding credit cards)

Income from Business Loan Application Fees (excluding credit cards)

Income from Late Fees on Consumer Loans (excluding real estate)

Income from Late Fees on Business Loans (excluding real estate)

Income from Rent

Income from Skip-a-Payment Fees

Other Income from Additional Fees

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* 1. Contact Information

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* 2. What was your total income from credit cards in 2015?

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* 3. What was your total income from debit cards in 2015?

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* 4. What was your total income from prepaid cards in 2015?

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* 5. What was your total income from ACH fees in 2015?

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* 6. Do you offer a rewards system for credit and/or prepaid card transactions?

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* 7. Do you offer a rewards system for debit card transactions?

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* 8. What was your total income from ATM fees in 2015?

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* 9. How does your credit union report income from ATM fees on the 5300 Call Report?

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* 10. Is your credit union able to report NSF and courtesy pay separately?

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* 11. What was your total income from checking and savings account fees in 2015?

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* 12. Do you provide more than one type of checking account to your members?

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* 13. What was your total income from real estate products and services in 2015?

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* 14. What was your total income from auto products/service sales in 2015?

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* 15. What was your total income from insurance fees in 2015?

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* 16. What was your total income from broker/dealer sales and services in 2015?

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* 17. Does your credit union report income from unconsolidated CUSO activity?

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* 18. What was your total non-interest income from one-time events in 2015 not reported on the 5300 Call Report (ex. sale on credit card portfolio)?

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* 19. What was your total income from additional fees in 2015?

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* 20. Which products and services do you expect to drive non-interest income at your credit union next year?

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* 21. How has the CARD Act impacted non-interest income at your credit union?

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* 22. How have CFPB's policy considerations impacted the overdraft services that you provide to members?