Compared with New Jersey
16 of 23
compared fees are above the median.
3 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 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New Jersey median
of 23 compared; 3 below, 4 about the same
See the feesFee schedule read Oct 27, 2026
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) Year to date through the quarter. Median and percentile from each of 569 credit unions with $300M to $1B 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. | 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
Fee income was 3.0% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B 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 $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.
16 of 23 compared published fees sit above the New Jersey median; 3 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.
Non-Network ATM
NSF / Returned Item
Wire Transfer (Domestic Out)
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 was about level from Q3 2025 to Q2 2026, at $166K. Its share of revenue, 3.0%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$166K
Picatinny 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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.
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.
Call reports for Picatinny 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 | $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% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Picatinny 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 Picatinny Federal Credit Union by share.
Amounts from Picatinny Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour · Share draft reconciliation per hour (must have reconciled within past 3 months) | $15.00
per month
per month
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Money Market Account Fee – balances below minimum, monthly | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Membership accounts closed within 3 months of opening | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Account Fee, monthly - charged | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account Fee, monthly - charged after 12 months of inactivity | $10Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $5Above the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Invalid Address Fee, each month | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Nonsufficient/Uncollected Funds (per unpaid or returned item or per failed preauthorized transaction) | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Nonsufficient/Uncollected Funds 1 | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Transfer Fee - to cover overdraft from line of credit | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Transfer Fee - to cover overdraft from shares | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Each ATM transaction, not our machine and not part of the Allpoint Network | $3Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replace Visa Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Instant issue debit card fee | $10Below the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Overnight Delivery - Visa Debit Card or PIN | $40Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfers (outgoing) | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfers (incoming) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Foreign Wire Transfer (outgoing) | $40Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Check | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashiers Checks | $20Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Draft or ACH Stop Payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop payment on Cashiers Checks | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| On-Us Check Cashing (for non-members) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned deposited item or loan payment | $35Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service, non-members | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Levies and Liens | $60Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Retirement & IRA | |||
| IRA Transfer/Closeout | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Cards | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement or Share Draft | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Subordination request | $300Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
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.
Where Picatinny Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state (June 30, 2026)
Each dot is one office.
4 of 5 offices on the map.
Cities with the most offices
| Denville, NJ | 1 |
| Dover, NJ | 1 |
| Flanders, NJ | 1 |
| Parsippany, NJ | 1 |
| Picatinny Arsenal, NJ | 1 |
Largest competitors nearby
Local market: Morris county, NJ, around its headquarters.
| 33 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 14.1% |
| Bank of America, National Association | 13.5% |
| TD Bank, National Association | 11.8% |
| Provident Bank | 9.5% |
| Wells Fargo Bank, National Association | 8.7% |
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.