Compared with New Jersey
3 of 14
compared fees are above the median.
7 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
7th 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; 7 below, 4 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Central Jersey Police & Fire 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. | Central Jersey Police & Fire Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 1.3% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (7th 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 $8K in Q2 2026, 11% below the same quarter a year earlier ($9K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 14 compared published fees sit above the New Jersey median; 7 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.
Deposited Item Return
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 was about level from Q3 2025 to Q2 2026, at $8K. Its share of revenue, 1.3%, is below the 7.2% median for credit unions with under $300M in assets.
$8K
Central Jersey Police & Fire 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.
Central Jersey Police & Fire Federal Credit Union · $52M 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 |
|---|---|---|---|---|---|---|---|
| Central Jersey Police & Fire Federal Credit Union(this institution) | Hamilton, NJ | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Aeroquip Federal Credit Union | Jackson, MI | $52M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Altonized Community Federal Credit Union | Alton, IL | $53M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Badger-Globe Federal Credit Union | Neenah, WI | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bar-Cons Federal Credit Union | Columbus, IN | $53M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cutting Edge Federal Credit Union | Milwaukie, OR | $53M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Firstenergy Choice Federal Credit Union | Greensburg, PA | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Gr Consumers Federal Credit Union | Wyoming, MI | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hastings Federal Credit Union | Hastings, NE | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Lubrizol Employees' Federal Credit Union | Deer Park, TX | $51M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Maroon Financial Federal Credit Union | Chicago, IL | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Mercer County Nj Teachers Federal Credit Union | Hamilton Square, NJ | $52M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Money Federal Credit Union | Syracuse, NY | $51M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| North Towns Federal Credit Union | Clarence, NY | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pipefitters-Steamfitters Federal Credit Union | Woodbury, MN | $52M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Qside Federal Credit Union | Queens Village, NY | $53M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Ravenswood Federal Credit Union | Ravenswood, WV | $54M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southeast Michigan State Employees Federal Credit Union | West Bloomfield, MI | $51M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Spirit Of America Federal Credit Union | Lincoln, NE | $53M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Telco Federal Credit Union | Tarboro, NC | $51M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Trans Texas Southwest Federal Credit Union | San Angelo, TX | $51M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Truservice Community Federal Credit Union | Little Rock, AR | $53M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tuscaloosa V A Federal Credit Union | Tuscaloosa, AL | $52M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| U.P.S. Employees Federal Credit Union | Ontario, CA | $52M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Vocal Federal Credit Union | Helena, MT | $53M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Yuma County Federal Credit Union | Yuma, CO | $53M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(out-of-network atm)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1.50 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 26, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Central Jersey Police & Fire Federal Credit Union does not publish an out-of-network atm 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 26, 2026. Total assets from FDIC and NCUA records.
Call reports for Central Jersey Police & Fire 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 | $8K | $0 | 0.0% |
| Q1 2026 | $8K | $0 | 0.0% |
| Q4 2025 | $8K | $0 | 0.0% |
| Q3 2025 | $8K | −$1K | −11.1% |
| Q2 2025 | $9K | +$2K | +28.6% |
| Q1 2025 | $7K | $0 | 0.0% |
| Q4 2024 | $7K | −$1K | −12.5% |
| Q3 2024 | $8K | $0 | 0.0% |
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, Central Jersey Police & Fire 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 Central Jersey Police & Fire Federal Credit Union by share.
Amounts from Central Jersey Police & Fire Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Closing and/or Escheat | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Car Fax | $20Inside the U.S. middle 50% ($6.25 to $25 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Insufficient Funds (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Expedited Overnight Card | $35Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Rush (2 day) Debit card | $20Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Wire | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Return Fee (audience not stated, treated as personal) | $20Inside the U.S. middle 50% ($19.50 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposit | $30Above the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Lending Fees | |||
| Credit Card Late Payment | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Loan Payment Late Fee | 5% | Not stated | None |
| Loan Payment Late Fee (audience not stated, treated as personal) | 5% | Not stated | None |
Other Fees | |||
| Express and Overnight Mail correspondence (audience not stated, treated as personal) | $10Below the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Duplicate Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Application | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Used Vehicle Loan Application with Car Fax | $20Inside the U.S. middle 50% ($20 to $37.50 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 11, 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 Central Jersey Police & Fire 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
| Hamilton, NJ | 2 |
Largest competitors nearby
Local market: Mercer county, NJ, around its headquarters.
| 34 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 28.5% |
| Wells Fargo Bank, National Association | 14.3% |
| PNC Bank, National Association | 13.5% |
| TD Bank, National Association | 7.5% |
| JPMorgan Chase Bank, 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.