Compared with New York
3 of 13
compared fees are above the median.
4 below, 6 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
77th 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; 4 below, 6 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for Buffalo Metropolitan 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. | Buffalo Metropolitan Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 12% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (77th 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 $315K in Q2 2026, 2.9% above the same quarter a year earlier ($306K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 13 compared published fees sit above the New York median; 4 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.
Non-Network ATM
NSF / Returned Item
Compared at $30, the middle of its prices
Wire Transfer (Domestic Out)
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 rose 4.0% from Q3 2025 to Q2 2026, to $315K. Its share of revenue, 12%, is above the 7.2% median for credit unions with under $300M in assets.
$315K
Buffalo Metropolitan 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.
Buffalo Metropolitan Federal Credit Union · $144M 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Buffalo Metropolitan Federal Credit Union(this institution) | Buffalo, NY | $144M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Arkansas Best Federal Credit Union | Fort Smith, AR | $144M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Baptist Health South Florida Federal Credit Union | Miami, FL | $140M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Celco Community Federal Credit Union | Narrows, VA | $144M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Central Missouri Community Federal Credit Union | Warrensburg, MO | $140M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cheney Federal Credit Union | Cheney, WA | $148M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community Powered Federal Credit Union | Bear, DE | $142M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| East County Schools Federal Credit Union | El Cajon, CA | $147M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Financialedge Federal Credit Union | Bay City, MI | $147M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Florida West Coast Federal Credit Union | Brandon, FL | $144M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heart Of Louisiana Federal Credit Union | Pineville, LA | $143M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lenco Federal Credit Union | Adrian, MI | $145M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Market USA Federal Credit Union | Laurel, MD | $142M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Maui Federal Credit Union | Kahului, HI | $146M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Meridia Community Federal Credit Union | Hamburg, NY | $144M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Alabama Educators Federal Credit Union | Huntsville, AL | $143M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pacific Cascade Federal Credit Union | Eugene, OR | $140M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Pacific Horizon Federal Credit Union | Springville, UT | $141M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Quantum Federal Credit Union | Wichita, KS | $143M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| R T P Federal Credit Union | Rtp, NC | $142M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Siskiyou Federal Credit Union | Yreka, CA | $144M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Syracuse Fire Department Employees Federal Credit Union | Syracuse, NY | $147M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Tru Fi Federal Credit Union | Macclenny, FL | $146M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wcla Federal Credit Union | Olympia, WA | $142M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| West Virginia Federal Credit Union | South Charleston, WV | $142M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Xplore Federal Credit Union | Metairie, LA | $147M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 11 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 Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Buffalo Metropolitan Federal Credit Union does not publish a monthly maintenance 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Buffalo Metropolitan 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 | $315K | +$14K | +4.7% |
| Q1 2026 | $301K | −$2K | −0.7% |
| Q4 2025 | $303K | $0 | 0.0% |
| Q3 2025 | $303K | −$3K | −1.0% |
| Q2 2025 | $306K | −$2K | −0.6% |
| Q1 2025 | $308K | −$65K | −17.4% |
| Q4 2024 | $373K | −$58K | −13.5% |
| Q3 2024 | $431K | +$38K | +9.7% |
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, Buffalo Metropolitan 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 Buffalo Metropolitan Federal Credit Union by share.
Amounts from Buffalo Metropolitan Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per transaction
per item
per transaction
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account reconciliation/research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned statement (bad address) | $2Below the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| ACH non-sufficient funds | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Checks returned non-sufficient funds | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| CU Service Center returned check | $40Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM services at non-Credit Union | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Replacement Instant Issue Debit Card | $20Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Foreign transaction fee | 1%of the transaction | per transaction | None |
| Foreign transactions | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Domestic wire transfer | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Wires | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Cashier's check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Certified check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money order | $1.50Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop payment order | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Cash advance (audience not stated, treated as personal) | 3%of the advance | Not stated | None |
Account Services | |||
| Non-member notary | $2Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Restraining notice/subpoena | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa gift card activation | $3.75Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Additional statement copies | $2Not compared: Monthly charge, not per item | per month | None |
| Photocopy | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 16, 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 Buffalo Metropolitan 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.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Buffalo, NY | 1 |
Largest competitors nearby
Local market: Erie county, NY, around its headquarters.
| 61 in its local market | Deposit share |
|---|---|
| Manufacturers and Traders Trust Company | 66.2% |
| KeyBank National Association | 9.8% |
| HSBC Bank USA, National Association | 5.4% |
| Bank of America, National Association | 4.3% |
| Citizens Bank, National Association | 3.7% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.