Compared with New Jersey
4 of 14
compared fees are above the median.
6 below, 4 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
73rd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New Jersey median
of 14 compared; 6 below, 4 about the same
See the feesFee schedule read Oct 9, 2026
Call-report figures are for Jersey Central 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. | Jersey Central Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 9, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 11% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (73rd 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 $50K in Q2 2026, 72% above the same quarter a year earlier ($29K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 14 compared published fees sit above the New Jersey 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 Jersey medians for fees published by banks and credit unions.
Debit Card Replacement
Stop Payment
Compared at $30, the middle of its prices
Cashier's Check
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 rose 61% from Q3 2025 to Q2 2026, to $50K. Its share of revenue, 11%, is above the 7.2% median for credit unions with under $300M in assets.
$50K
Jersey Central 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.
Jersey Central Federal Credit Union · $25M 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Jersey Central Federal Credit Union(this institution) | Cranford, NJ | $25M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Alliance Niagara Federal Credit Union | Sanborn, NY | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ang Federal Credit Union | Birmingham, AL | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Attleboro M E Federal Credit Union | Attleboro, MA | $25M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Concho Valley Federal Credit Union | San Angelo, TX | $26M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Dillard'S Federal Credit Union | Little Rock, AR | $25M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| District #6 Federal Credit Union | Hornell, NY | $25M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Employees Choice Federal Credit Union | El Cajon, CA | $25M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Energize Federal Credit Union | Oklahoma City, OK | $25M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Highway Crossroads Federal Credit Union | Sikeston, MO | $24M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Honeywell Philadelphia Div Federal Credit Union | Ft Washington, PA | $24M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Howard County Education Federal Credit Union | Ellicott City, MD | $25M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Kennedy Va Employees Federal Credit Union | Memphis, TN | $24M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Legacy Federal Credit Union | Joplin, MO | $25M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Michigan Coastal Federal Credit Union | Muskegon, MI | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| N.F.G. #2 Federal Credit Union | Warren, PA | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ny Firefighters Bravest Federal Credit Union | albany, NY | $24M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ok Members First Federal Credit Union | Tulsa, OK | $24M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| P & S Federal Credit Union | Salt Lake City, UT | $25M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Reliance Federal Credit Union | Kansas City, KS | $25M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Rim Country Federal Credit Union | Snowflake, AZ | $25M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Shared Resources Federal Credit Union | Pasadena, TX | $25M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sylvania Area Federal Credit Union | Sylvania, OH | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texas People Federal Credit Union | Fort Worth, TX | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Westside Community Federal Credit Union | Churchville, NY | $26M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Worcester Police Department Federal Credit Union | Worcester, MA | $25M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $3.95 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 15, 2026.
Monthly maintenance fee in dollars, one mark per institution
Jersey Central 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 Oct 15, 2026. Total assets from FDIC and NCUA records.
Call reports for Jersey Central 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 | $50K | +$7K | +16.3% |
| Q1 2026 | $43K | −$4K | −8.5% |
| Q4 2025 | $47K | +$16K | +51.6% |
| Q3 2025 | $31K | +$2K | +6.9% |
| Q2 2025 | $29K | −$19K | −39.6% |
| Q1 2025 | $48K | −$7K | −12.7% |
| Q4 2024 | $55K | +$3K | +5.8% |
| Q3 2024 | $52K | +$1K | +2.0% |
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, Jersey Central 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 Jersey Central Federal Credit Union by share.
Amounts from Jersey Central Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per month
per item
per item
per item
per transaction
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure Fee Fee is assessed for accounts that are closed within 6 months of opening | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Research/Dispute Research Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee Exemption for minors and members 65+ | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Invalid Address Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Transfer Fee Movement of available funds by the credit union to cover payments | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Card Replacement Fee Excessive requests for card replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Alternate Payee Fee Teller check withdrawals made payable to third party | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stale Dated Check Fee Teller checks not cashed within 90 days of issuance | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Teller Check Fee Teller check withdrawals less than $500.00 | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per transaction | None |
| ACH/Draft Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Teller Check Stop Payment Fee | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Copy of Paid Member Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Notary Public Services | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Levy Processing Fee | $25Below the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Lending Fees | |||
| Late Payment Fee Fee is assessed on each loan if payment is received more than 10 days after the due date | $10Below the U.S. middle 50% ($15 to $25 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Card Activation Fee | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Statement Copy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Application Fees | $15Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Modification/Refinance | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Oct 9, 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 Jersey Central Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Cherry Hill, NJ | 1 |
| Cranford, NJ | 1 |
Largest competitors nearby
Local market: Union county, NJ, around its headquarters.
| 47 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 22.6% |
| Bank of America, National Association | 14.1% |
| TD Bank, National Association | 10.6% |
| JPMorgan Chase Bank, National Association | 7.5% |
| Union County Savings Bank | 5.4% |
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.