Compared with New Jersey
5 of 15
compared fees are above the median.
7 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
89th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New Jersey median
of 15 compared; 7 below, 3 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Essex County Teachers 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 Jersey median | Published fees above the New Jersey median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Essex County Teachers Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 16% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (89th 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 $44K in Q2 2026, 10% above the same quarter a year earlier ($40K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 15 compared published fees sit above the New Jersey median; 7 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 Jersey medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for New Jersey, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income was about level from Q3 2025 to Q2 2026, at $44K. Its share of revenue, 16%, is above the 7.2% median for credit unions with under $300M in assets.
$44K
Essex County Teachers 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.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Essex County Teachers Federal Credit Union · $22M 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 |
|---|---|---|---|---|---|---|---|
| Essex County Teachers Federal Credit Union(this institution) | Bloomfield, NJ | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| American Pride Federal Credit Union | Altoona, PA | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chelsea Employees Federal Credit Union | Chelsea, MA | $21M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Coopers Cave Federal Credit Union | Glens Falls, NY | $22M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Electrical Workers Local 58 Federal Credit Union | Detroit, MI | $21M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Encentus Federal Credit Union | Tulsa, OK | $21M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Express Federal Credit Union | Seattle, WA | $23M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Fayette County School Employees Federal Credit Union | Uniontown, PA | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ibew/Sj Cascade Federal Credit Union | Salem, OR | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Le Roy Federal Credit Union | Le Roy, NY | $21M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Local 804 Federal Credit Union | Port Washington, NY | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Mclennan County Employees Federal Credit Union | Waco, TX | $22M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mcmurrey Federal Credit Union | Tyler, TX | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Metro North Federal Credit Union | Jacksonville, FL | $22M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mopac Employees Federal Credit Union | Palestine, TX | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Niagara-Wheatfield Federal Credit Union | Sanborn, NY | $21M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Novo Federal Credit Union | Norco, CA | $21M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Railway Employees Federal Credit Union | Muscle Shoals, AL | $21M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Richmond Virginia Fire Police Credi Federal Credit Union | Richmond, VA | $21M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Special Metals Federal Credit Union | New Hartford, NY | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| St. Vincent'S Medical Center Federal Credit Union | Bridgeport, CT | $21M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Steel Valley Federal Credit Union | Cleveland, OH | $22M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tandem Federal Credit Union | Warren, MI | $22M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Churches Federal Credit Union | Taylor, MI | $22M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Warren Municipal Federal Credit Union | Warren, MI | $22M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wheat State Federal Credit Union | Wichita, KS | $22M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(out-of-network atm)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1.50 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 30, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Essex County Teachers 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 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Essex County Teachers 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 | $44K | −$4K | −8.3% |
| Q1 2026 | $48K | +$5K | +11.6% |
| Q4 2025 | $43K | −$1K | −2.3% |
| Q3 2025 | $44K | +$4K | +10.0% |
| Q2 2025 | $40K | −$1K | −2.4% |
| Q1 2025 | $41K | −$7K | −14.6% |
| Q4 2024 | $48K | −$6K | −11.1% |
| Q3 2024 | $54K | +$12K | +28.6% |
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, Essex County Teachers 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 Essex County Teachers Federal Credit Union by share.
Amounts from Essex County Teachers Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per item
per month
per item
per page · All Other Items Copy Fee | $1.00 per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Below Minimum Balance | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Closed Within 90 Days of Opening | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Returned Mail | $1Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Charge | $20Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Replacement/Additional Debit Card | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Check to 3rd Party | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Canceled Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Inactive Bill Pay Account | $1Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Returned Deposit Item/Loan Payment | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| By Phone Account Verification | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Verification of Account Letter | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Verification of Deposit | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| All Other Items Copy Fee | $1Not compared: Charged per page; comparison unavailable | per page | All Other Items Copy Fee | $1.00 per page |
| Lien Release Letter | $5Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Nonmember loan application fee | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Payoff Letter | $5Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Nov 2, 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 Essex County Teachers Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Bloomfield, NJ | 1 |
Largest competitors nearby
Local market: Essex county, NJ, around its headquarters.
| 46 in its local market | Deposit share |
|---|---|
| Flagstar Bank, National Association | 13.3% |
| JPMorgan Chase Bank, National Association | 12.8% |
| Bank of America, National Association | 10% |
| Wells Fargo Bank, National Association | 9.8% |
| Valley National Bank | 8.8% |
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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