Compared with New Jersey
12 of 26
compared fees are above the median.
8 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
73rd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New Jersey median
of 26 compared; 8 below, 6 about the same
See the feesFee schedule read Oct 26, 2026
Call-report figures are for Members 1St Of Nj 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. | Members 1St Of Nj Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 26, 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 $196K in Q2 2026, 45% below the same quarter a year earlier ($359K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
12 of 26 compared published fees sit above the New Jersey median; 8 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.
Monthly Maintenance
Can be waived with a minimum balance of $500 or more.
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for New Jersey, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 139% from Q3 2025 to Q2 2026, to $196K. Its share of revenue, 11%, is above the 7.2% median for credit unions with under $300M in assets.
$196K
Members 1St Of Nj 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.
Members 1St Of Nj Federal Credit Union · $134M in assets
Banks and credit unions in the Vineland, NJ metro
Banks and credit unions with branches in the Vineland, NJ metro: the local competitors for deposits and customers. They range from $50M to $2.7T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Members 1St Of Nj Federal Credit Union(this institution) | Vineland, NJ | $134M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of America, National Association | Charlotte, NC | $2.7T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bay Atlantic Federal Credit Union | Vineland, NJ | $97M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bridgeton Onized Federal Credit Union | Cedarville, NJ | $50M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Century Savings Bank | Vineland, NJ | $635M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Harvest Federal Credit Union | Deptford, NJ | $484M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fulton Bank, National Association | Lancaster, PA | $32.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Millville Savings Bank | Millville, NJ | $170M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Newfield National Bank | Newfield, NJ | $889M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| OceanFirst Bank, National Association | Toms River, NJ | $23.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| PNC Bank, National Association | Wilmington, DE | $609.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| TD Bank, National Association | Wilmington, DE | $342.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First National Bank of Elmer | Elmer, NJ | $408M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Truist Bank | Charlotte, NC | $548.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
13 peers selected · 9 publish this fee(monthly maintenance)
4 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $10 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 Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Members 1St Of Nj 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 | $196K | −$9K | −4.4% |
| Q1 2026 | $205K | −$59K | −22.3% |
| Q4 2025 | $264K | +$182K | +222.0% |
| Q3 2025 | $82K | −$277K | −77.2% |
| Q2 2025 | $359K | +$192K | +115.0% |
| Q1 2025 | $167K | −$37K | −18.1% |
| Q4 2024 | $204K | −$14K | −6.4% |
| Q3 2024 | $218K | +$36K | +19.8% |
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, Members 1St Of Nj 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 Members 1St Of Nj Federal Credit Union by share.
Amounts from Members 1St Of Nj Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour · Account Research $30.00 per hour
per item
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee (if minimum balance is not maintained) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Closing within 90 days | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheat Fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive IRA Account Fee (after 1 year and account balance is under $500.00) | $25Not compared: CD/IRA fee | Not stated | None |
| Monthly Dormant Account (no activity for 1 year on balances below $100) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $30Not compared: Charged per hour; comparison unavailable | per hour | Account Research $30.00 per hour |
| Paper Statement Fee | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Bad Address Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| ATM Overdraft Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Courtesy pay fee (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Courtesy Pay Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer | $7Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM/Visa Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Outgoing | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic Wire Incoming | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire Outgoing | $35Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| International Wire Incoming | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Certified Check | $20Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order Fee | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| ACH Stop Payment – available funds | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| ACH Stop Payment – unavailable funds | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Bill Pay Item Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Cashier Check Stop Payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Money Order Stop Payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment – available funds | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment – unavailable funds | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Foreign Draft Collection | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy – staff retrieval | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Cashier Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Counting (non-member) | 5% | Not stated | None |
| Return Deposited Item | $17Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary (non-member) | $20Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Late Fee (over 30 days) | $15Not compared: Box drilling or key fee | Not stated | None |
| Lost Key Fee | $30Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 Box Annual Rent | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10 Box Annual Rent | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 Box Annual Rent | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 5 Box Annual Rent | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Levy Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment (after 10 days) | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Card Fee (over $500.00) | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Visa Gift Card Fee (up to $500.00) | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Document Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy – staff retrieval | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | 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 26, 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 Members 1St Of Nj Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Bridgeton, NJ | 1 |
| Frisco, TX | 1 |
| Millville, NJ | 1 |
| Vineland, NJ | 1 |
Largest competitors nearby
Local market: Cumberland county, NJ, around its headquarters.
| 11 in its local market | Deposit share |
|---|---|
| Truist Bank | 41.1% |
| OceanFirst Bank, National Association | 21.8% |
| TD Bank, National Association | 12% |
| Newfield National Bank | 6.3% |
| Century Savings Bank | 6.1% |
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.