Picatinny Federal Credit Union

Headquarters: Dover, New Jersey
Charter: Credit Union
Assets: $459.1M
Fed district: New York
Regulator: NCUA

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

Source: its fee schedule, read Oct 27, 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 27, 2026

How these figures are measured

Call-report figures are for Picatinny 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.	Picatinny Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 27, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Picatinny 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 $166K in Q2 2026, 1.8% above the same quarter a year earlier ($163K).
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
Picatinny Federal Credit Union: $35
Picatinny Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Picatinny Federal Credit Union: $3
Picatinny Federal Credit Union: $3
U.S. median: no median
Wire Transfer (Domestic Out)
Picatinny Federal Credit Union: $30
Picatinny Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 27, 2026View sources

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.

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 Jersey: Banks and credit unions headquartered in New Jersey 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 was about level from Q3 2025 to Q2 2026, at $166K.

Fee income, Q2 2026

$166K

$167KQ3 2025

$166KQ4 2025

$170KQ1 2026

$166KQ2 2026

Against the median

Picatinny 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

Picatinny Federal Credit Union · $459M 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.

Credit unions only
$448M to $471M in assets
Headquartered in 16 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
Picatinny Federal Credit Union(this institution)	Dover, NJ	$459M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Alabama State Employees Federal Credit Union	Montgomery, AL	$471M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Aod Federal Credit Union	Bynum, AL	$467M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Assemblies Of God Federal Credit Union	Springfield, MO	$450M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Baton Rouge Telco Federal Credit Union	Baton Rouge, LA	$458M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Boston Firefighters Federal Credit Union	Dorchester, MA	$453M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Canton School Employees Federal Credit Union	North Canton, OH	$462M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cascade Community Federal Credit Union	Roseburg, OR	$465M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Centric Federal Credit Union	West Monroe, LA	$448M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Century Federal Credit Union	Independence, OH	$470M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Cornerstone Community Financial Federal Credit Union	Auburn Hills, MI	$470M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Cu Hawaii Federal Credit Union	Hilo, HI	$460M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fedchoice Federal Credit Union	Lanham, MD	$469M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Fort Community Federal Credit Union	Fort Atkinson, WI	$450M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gain Federal Credit Union	Burbank, CA	$454M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Infuze Federal Credit Union	Fort Leonard Wood, MO	$457M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Millbury Federal Credit Union	Millbury, MA	$468M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
North Star Community Federal Credit Union	Maddock, ND	$465M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Ouachita Valley Federal Credit Union	West Monroe, LA	$464M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Public Service Federal Credit Union	Romulus, MI	$468M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
St. Cloud Financial Federal Credit Union	Sartell, MN	$456M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Suma Federal Credit Union	Yonkers, NY	$468M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Tidemark Federal Credit Union	Seaford, DE	$469M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Trona Valley Community Federal Credit Union	Green River, WY	$470M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wheelhouse Federal Credit Union	San Diego, CA	$460M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Wmcu Federal Credit Union	Grand Rapids, MI	$455M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ 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.

Fee type

Peer pricing snapshot

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

The peer median is $6 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 Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Picatinny Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Picatinny Federal Credit…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 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 Picatinny 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: $166K
vs prior quarter: −$4K−2.4%; from Q1 2026
vs a year earlier: +$3K+1.8%; from Q2 2025
vs start of range: +$2K+1.2%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Picatinny 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	$166K	−$4K	−2.4%
Q1 2026	$170K	+$4K	+2.4%
Q4 2025	$166K	−$1K	−0.6%
Q3 2025	$167K	+$4K	+2.5%
Q2 2025	$163K	+$4K	+2.5%
Q1 2025	$159K	−$7K	−4.2%
Q4 2024	$166K	+$2K	+1.2%
Q3 2024	$164K	+$12K	+7.9%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Money Market Account Fee – balances below minimum, monthly$10
per month
Membership accounts closed within 3 months of opening$25
Inactive Account Fee, monthly - charged$10
per month
Inactive Account Fee, monthly - charged after 12 months of inactivity$10
per month
Share draft reconciliation per hour (must have reconciled within past 3 months)$15
Not compared: Charged per hour; comparison unavailable
per hour · Share draft reconciliation per hour (must have reconciled within past 3 months) | $15.00
Online Banking with Paper Statement, monthly$5
per month
Invalid Address Fee, each month$10
per month

Overdraft & NSF

Nonsufficient/Uncollected Funds (per unpaid or returned item or per failed preauthorized transaction)$35
Nonsufficient/Uncollected Funds 1$35
Transfer Fee - to cover overdraft from line of credit$3
per item
Transfer Fee - to cover overdraft from shares$10
per item

ATM & Card

Each ATM transaction, not our machine and not part of the Allpoint Network$3
per item
Replace Visa Debit Card$10
Instant issue debit card fee$10
per item
Overnight Delivery - Visa Debit Card or PIN$40
per item

Wire Transfers

Wire Transfers (outgoing)$30
per item
Wire Transfers (incoming)$15
per item
Foreign Wire Transfer (outgoing)$40
per item

Check Services

Cashier’s Check$10
Cashiers Checks$20
Draft or ACH Stop Payment$20
per item
Stop payment on Cashiers Checks$20
On-Us Check Cashing (for non-members)$5

Cash & Deposit

Returned deposited item or loan payment$35
per item

Account Services

Notary Service, non-members$5
Levies and Liens$60
per item

Retirement & IRA

IRA Transfer/Closeout$50

Gift & Prepaid Cards

Visa Gift Cards$4

Other Fees

Copy of Statement or Share Draft$5
per item
Subordination request$300

Fee	Amount	Basis	Note
Account Maintenance
Money Market Account Fee – balances below minimum, monthly	$10	per month	None
Membership accounts closed within 3 months of opening	$25	Not stated	None
Inactive Account Fee, monthly - charged	$10	per month	None
Inactive Account Fee, monthly - charged after 12 months of inactivity	$10	per month	None
Share draft reconciliation per hour (must have reconciled within past 3 months)	$15Not compared: Charged per hour; comparison unavailable	per hour	Share draft reconciliation per hour (must have reconciled within past 3 months) \| $15.00
Online Banking with Paper Statement, monthly	$5	per month	None
Invalid Address Fee, each month	$10	per month	None
Overdraft & NSF
Nonsufficient/Uncollected Funds (per unpaid or returned item or per failed preauthorized transaction)	$35	Not stated	None
Nonsufficient/Uncollected Funds 1	$35	Not stated	None
Transfer Fee - to cover overdraft from line of credit	$3	per item	None
Transfer Fee - to cover overdraft from shares	$10	per item	None
ATM & Card
Each ATM transaction, not our machine and not part of the Allpoint Network	$3	per item	None
Replace Visa Debit Card	$10	Not stated	None
Instant issue debit card fee	$10	per item	None
Overnight Delivery - Visa Debit Card or PIN	$40	per item	None
Wire Transfers
Wire Transfers (outgoing)	$30	per item	None
Wire Transfers (incoming)	$15	per item	None
Foreign Wire Transfer (outgoing)	$40	per item	None
Check Services
Cashier’s Check	$10	Not stated	None
Cashiers Checks	$20	Not stated	None
Draft or ACH Stop Payment	$20	per item	None
Stop payment on Cashiers Checks	$20	Not stated	None
On-Us Check Cashing (for non-members)	$5	Not stated	None
Cash & Deposit
Returned deposited item or loan payment	$35	per item	None
Account Services
Notary Service, non-members	$5	Not stated	None
Levies and Liens	$60	per item	None
Retirement & IRA
IRA Transfer/Closeout	$50	Not stated	None
Gift & Prepaid Cards
Visa Gift Cards	$4	Not stated	None
Other Fees
Copy of Statement or Share Draft	$5	per item	None
Subordination request	$300	Not stated	None

Correct a fee source

Oct 27, 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

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