Compared with New York
4 of 13
compared fees are above the median.
6 below, 3 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
17th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 13 compared; 6 below, 3 about the same
See the feesFee schedule read Oct 19, 2026
Call-report figures are for Rochester & Monroe Co Emp 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 New York median | Published fees above the New York median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Rochester & Monroe Co Emp Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 19, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 2.7% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (17th 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 $16K in Q2 2026, 78% above the same quarter a year earlier ($9K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 13 compared published fees sit above the New York 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 New York medians for fees published by banks and credit unions.
NSF / Returned Item
Stop Payment
OD Protection Transfer
Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 38% from Q3 2025 to Q2 2026, to $16K. Its share of revenue, 2.7%, is below the 7.2% median for credit unions with under $300M in assets.
$16K
Rochester & Monroe Co Emp 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.
Rochester & Monroe Co Emp Federal Credit Union · $46M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Rochester & Monroe Co Emp Federal Credit Union(this institution) | Rochester, NY | $46M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| All Saints Federal Credit Union | Parma, OH | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bloomington Municipal Federal Credit Union | Bloomington, IL | $46M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capitol View Federal Credit Union | Des Moines, IA | $46M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Children'S Medical Center Federal Credit Union | Cincinnati, OH | $47M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Element Federal Credit Union | Charleston, WV | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Employees Federal Credit Union | Tulsa, OK | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Enfield Community Federal Credit Union | Enfield, CT | $46M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fire Fighters Federal Credit Union | Tulsa, OK | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fox Valley Federal Credit Union | Aurora, IL | $46M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| H. E. Telephone Federal Credit Union | Rochelle Park, NJ | $46M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hampton Roads Educ Credit Union Inc | Hampton, VA | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Holy Rosary Federal Credit Union | Kansas City, MO | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Huntingtonized Federal Credit Union | Huntington, WV | $47M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Kansas City Federal Credit Union | Kansas City, MO | $46M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Marathon County Employees Federal Credit Union | Wausau, WI | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mountain Star Federal Credit Union | El Paso, TX | $46M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Police Credit Union of Connecticut | Hartford, CT | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| St. Tammany Federal Credit Union | Slidell, LA | $47M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Starr County Teachers Federal Credit Union | Rio Grande City, TX | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Stewart'S Federal Credit Union | Saratoga Springs, NY | $47M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sweet Home Federal Credit Union | Amherst, NY | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Syracuse Cooperative Federal Credit Union | Syracuse, NY | $47M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Toledo Fire Fighters Federal Credit Union | Toledo, OH | $46M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vigo County Federal Credit Union | Terre Haute, IN | $46M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Worcester Fire Dept. Federal Credit Union | Worcester, MA | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(out-of-network atm)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1 among 9 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 22, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Rochester & Monroe Co Emp Federal Credit Union does not publish an out-of-network atm 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 22, 2026. Total assets from FDIC and NCUA records.
Call reports for Rochester & Monroe Co Emp Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $16K | +$2K | +14.3% |
| Q1 2026 | $14K | −$1K | −6.7% |
| Q4 2025 | $15K | −$11K | −42.3% |
| Q3 2025 | $26K | +$17K | +188.9% |
| Q2 2025 | $9K | −$15K | −62.5% |
| Q1 2025 | $24K | +$3K | +14.3% |
| Q4 2024 | $21K | −$10K | −32.3% |
| Q3 2024 | $31K | +$21K | +210.0% |
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, Rochester & Monroe Co Emp 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 Rochester & Monroe Co Emp Federal Credit Union by share.
Amounts from Rochester & Monroe Co Emp Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Club Account Close Fee | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Account Fee | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Returned Mail-Bad Address (per item) | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Nonsufficient funds fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Manual Transfer Overdraft Protection | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Replacement ATM or Debit Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement card fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Rush delivery ATM/Debit Card | $30Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Check Services | |||
| Stop Payment on Automatic Debit | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment on Share Draft | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Copy of Share Draft | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Lending Fees | |||
| Mortgage Loan Late Fee after 15 Days | $35Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Personal Loan Late Fee after 15 days | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Annual Fee | $20Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA Premature Withdrawal Fee | $10Below the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Copies (hourly fee plus page fee) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Statement Copies per page | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Skip-A-Pay | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 19, 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 Rochester & Monroe Co Emp Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 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
| Rochester, NY | 3 |
Largest competitors nearby
Local market: Monroe county, NY, around its headquarters.
| 30 in its local market | Deposit share |
|---|---|
| Manufacturers and Traders Trust Company | 22.5% |
| KeyBank National Association | 16.2% |
| JPMorgan Chase Bank, National Association | 15.5% |
| The Canandaigua National Bank and Trust Company | 12.5% |
| Bank of America, National Association | 8.3% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
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