We charge £10 pa for the whole family. It pays for ride leader insurance, website, postage etc. We do end up with money at the end of the year but we tend to make donations to air ambulances and the people who either are maintaining trails or help us when we break.
We’ve also paid for first aid courses, and I believe at one time race fees (when we had a racing team).
We charge that £10 to gain a little commitment from members, high enough so they think ‘do I want to be in this club?’ but not enough to break anyone’s bank. I think it is a good idea.