Buffalo Metropolitan Federal Credit Union

Headquarters: Buffalo, New York
Charter: Credit Union
Assets: $143.9M
Fed district: New York

13 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 16, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 16, 2026

How these figures are measured

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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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

Details

Source: NCUA 5300 call report
Entity: Buffalo Metropolitan Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
Compared at $30, the middle of its prices
Buffalo Metropolitan Federal Credit Union: $30 to $40
Buffalo Metropolitan Federal Credit Union: $30 to $40
U.S. median: no median
Non-Network ATM
Buffalo Metropolitan Federal Credit Union: $2
Buffalo Metropolitan Federal Credit Union: $2
U.S. median: no median
Wire Transfer (Domestic Out)
Buffalo Metropolitan Federal Credit Union: $25
Buffalo Metropolitan Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income rose 4.0% from Q3 2025 to Q2 2026, to $315K.

Fee income, Q2 2026

$315K

$303KQ3 2025

$303KQ4 2025

$301KQ1 2026

$315KQ2 2026

Against the median

Buffalo Metropolitan Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

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.

Credit unions only
$140M to $148M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

Buffalo Metropolitan Federal Credit Union does not publish a monthly maintenance fee in the index.

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.

Buffalo Metropolitan Fede…Peer (equal prices stack)Peer medianInclude 4 outliers ($2.50, $3, $9, $12.50)Shown past the axis break, not to scale, so the rest of the set has room.

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Buffalo Metropolitan Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $315K
vs prior quarter: +$14K+4.7%; from Q1 2026
vs a year earlier: +$9K+2.9%; from Q2 2025
vs start of range: −$116K−26.9%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Buffalo Metropolitan Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

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%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Buffalo Metropolitan Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account reconciliation/research$20
Not compared: Charged per hour; comparison unavailable
per hour
Returned statement (bad address)$2

Overdraft & NSF

ACH non-sufficient funds$30
Checks returned non-sufficient funds$30
per item
CU Service Center returned check$40
per item

ATM & Card

ATM services at non-Credit Union$2
per transaction
Replacement Instant Issue Debit Card$20
per item
Foreign transaction fee1%of the transaction
per transaction
Foreign transactions1%of the transaction

Wire Transfers

Domestic wire transfer$25
per item
Incoming Wires$10
per item

Check Services

Cashier's check$5
Certified check$5
Money order$1.50
Stop payment order$30
per item

Cash & Deposit

Cash advance (audience not stated, treated as personal)3%of the advance

Account Services

Non-member notary$2
Restraining notice/subpoena$100

Gift & Prepaid Cards

Visa gift card activation$3.75
per item

Other Fees

Additional statement copies$2
Not compared: Monthly charge, not per item
per month
Photocopy$1
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)	$2	Not stated	None
Overdraft & NSF
ACH non-sufficient funds	$30	Not stated	None
Checks returned non-sufficient funds	$30	per item	None
CU Service Center returned check	$40	per item	None
ATM & Card
ATM services at non-Credit Union	$2	per transaction	None
Replacement Instant Issue Debit Card	$20	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	$25	per item	None
Incoming Wires	$10	per item	None
Check Services
Cashier's check	$5	Not stated	None
Certified check	$5	Not stated	None
Money order	$1.50	Not stated	None
Stop payment order	$30	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	$2	Not stated	None
Restraining notice/subpoena	$100	Not stated	None
Gift & Prepaid Cards
Visa gift card activation	$3.75	per item	None
Other Fees
Additional statement copies	$2Not compared: Monthly charge, not per item	per month	None
Photocopy	$1	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

Correct a fee source

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.

Fee change alerts

Get an email when Buffalo Metropolitan Federal Credit Union's foreign transaction changes in our data

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