Compared with New York
9 of 22
compared fees are above the median.
10 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
23rd percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 22 compared; 10 below, 3 about the same
See the feesFee schedule read Oct 26, 2026
Call-report figures are for Jovia Financial 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 452 credit unions with $1B to $10B 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. | Jovia Financial 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 4.2% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (23rd 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 $2.7M in Q2 2026, about level with the same quarter a year earlier ($2.7M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
9 of 22 compared published fees sit above the New York median; 10 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
Wire Transfer (Domestic Out)
Stop Payment
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 fell 8.2% from Q3 2025 to Q2 2026, to $2.7M. Its share of revenue, 4.2%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$2.7M
Jovia Financial 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Jovia Financial Federal Credit Union · $4.6B 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Jovia Financial Federal Credit Union(this institution) | Westbury, NY | $4.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Affinity Federal Credit Union | Basking Ridge, NJ | $4.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ascend Federal Credit Union | Tullahoma, TN | $4.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Blaze Federal Credit Union | Falcon Heights, MN | $4.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Consumers Federal Credit Union | lake Forest, IL | $4.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Covantage Federal Credit Union | Antigo, WI | $4.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Eecu Federal Credit Union | Fort Worth, TX | $4.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Empower Federal Credit Union | Syracuse, NY | $4.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| General Electric Federal Credit Union | Cincinnati, OH | $4.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Georgia'S Own Federal Credit Union | Atlanta, GA | $4.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Goldenwest Federal Credit Union | Ogden, UT | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Liberty Federal Credit Union | Evansville, IN | $4.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Michigan Schools And Government Federal Credit Union | Clinton Township, MI | $4.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Navigant Federal Credit Union | Smithfield, RI | $4.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Northwest Federal Credit Union | Herndon, VA | $4.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Numerica Federal Credit Union | Spokane Valley, WA | $4.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Oneaz Federal Credit Union | Phoenix, AZ | $4.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peak Federal Credit Union | Olympia, WA | $4.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Rally Federal Credit Union | Corpus Christi, TX | $4.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Rogue Federal Credit Union | Medford, OR | $4.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Safe Federal Credit Union | Folsom, CA | $4.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Stanford Federal Credit Union | Palo Alto, CA | $4.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sunward Federal Credit Union | Albuquerque, NM | $4.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Technology Federal Credit Union | San Jose, CA | $4.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| United Federal Credit Union | St Joseph, MI | $4.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| University Federal Credit Union | Austin, TX | $4.3B | 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 · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 13 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 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Jovia Financial 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 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Jovia Financial 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 | $2.7M | −$56K | −2.0% |
| Q1 2026 | $2.7M | −$129K | −4.5% |
| Q4 2025 | $2.9M | −$54K | −1.8% |
| Q3 2025 | $2.9M | +$248K | +9.3% |
| Q2 2025 | $2.7M | −$32K | −1.2% |
| Q1 2025 | $2.7M | −$113K | −4.0% |
| Q4 2024 | $2.8M | +$26K | +0.9% |
| Q3 2024 | $2.8M | +$283K | +11.3% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Jovia Financial 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 Jovia Financial Federal Credit Union by share.
Amounts from Jovia Financial Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Account Research (per hour) | $20.00 |
per item
per item
per item
per item
per item
per item
per item
per hour · Search and process of Subpoena | $10.00/hr |
per statement · Copy of Statement (per statement) | $5.00 |
per statement · Statement copy | $1.00/statement |
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Abandoned Property Account Processing | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | Account Research (per hour) | $20.00 | |
| Paper Statements for EChecking Accounts | $5Above the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Bad Name/Address (undeliverable mail returned) | $3Below the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
ATM & Card | |||
| Inquiries at Non-Jovia ATMs (per inquiry) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Lost VISA® Debit and Credit Cards | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer (conducted in person) — Outgoing within U.S. (per wire) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer (conducted in person) — Outgoing outside U.S. (per wire) | $40Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Teller Check for Less Than $1,000 | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order (per item) | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment (per 6-month request) Personal & Teller Checks, Money Order, ACH, or Bill Payment Check | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Counter Checks (aka Starter Checks) (8 FREE at account opening) | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Foreign Collection Item | $35Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Incoming Collection Item | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of Bill Payment Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Deposited Check or Slip — item deposited more than six months ago OR check amount unknown (per item) | $6Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Deposited Check or Slip — item deposited within prior six months AND check amount known (per item) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Money Order (per item) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Teller Check (per copy) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Item Returned Unpaid or ACH Stop Payment on a Personal Account | $30Inside the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
| Bill Payment | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Requesting money through Zelle | $3Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Zelle Payment Dispute[6](#disclaimer6) | $35Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Item Returned (per item) | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Public Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box 10 x 10 x 18 | $185Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 x 18 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 5 x 18 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 x 18 | $95Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5 x 18 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Break-In Fee | $200Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Key Replacement | $15Not compared: Box drilling or key fee | Not stated | None |
| Research Subpoena fee | $75Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Search and process of Subpoena | $10Not compared: Charged per hour; comparison unavailable | per hour | Search and process of Subpoena | $10.00/hr | |
Retirement & IRA | |||
| IRA Custodial Service | No chargeBelow the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| IRA trustee to trustee transfer (outgoing only) | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement (per statement) | $5Not compared: Charged per statement; comparison unavailable | per statement | Copy of Statement (per statement) | $5.00 | |
| Statement copy | $1Not compared: Charged per statement; comparison unavailable | per statement | Statement copy | $1.00/statement | |
| Payoff Letter (Mortgage) | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
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 Jovia Financial Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
20 offices in 1 state (June 30, 2026)
Each dot is one office.
3 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Bay Shore, NY | 1 |
| Commack, NY | 1 |
| Deer Park, NY | 1 |
| Franklin Square, NY | 1 |
| Greenvale, NY | 1 |
| Hempstead, NY | 1 |
| Huntington Station, NY | 1 |
| Huntington, NY | 1 |
Largest competitors nearby
Local market: Nassau county, NY, around its headquarters.
| 47 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 22.5% |
| Webster Bank, National Association | 18.2% |
| Citibank, National Association | 11.5% |
| TD Bank, National Association | 8.4% |
| Bank of America, National Association | 6.8% |
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.