The Summit Federal Credit Union

Headquarters: Rochester, New York
Charter: Credit Union
Assets: $1.5B
Fed district: New York
Regulator: NCUA

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

Source: its fee schedule, read Nov 5, 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 Nov 5, 2026

How these figures are measured

Call-report figures are for The Summit 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.	The Summit Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 5, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: The Summit 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 $1.5M in Q2 2026, 17% above the same quarter a year earlier ($1.3M).
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.

Monthly Maintenance
Compared at $2.98, the middle of its prices
The Summit Federal Credit Union: $0 to $5.95
The Summit Federal Credit Union: $0 to $5.95
U.S. median: no median
Overdraft (OD)
The Summit Federal Credit Union: $25
The Summit Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
The Summit Federal Credit Union: $25
The Summit Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 5, 2026View sources

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.

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 York: Banks and credit unions headquartered in New York 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 rose 7.8% from Q3 2025 to Q2 2026, to $1.5M.

Fee income, Q2 2026

$1.5M

$1.4MQ3 2025

$1.5MQ4 2025

$1.5MQ1 2026

$1.5MQ2 2026

Against the median

The Summit 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

The Summit Federal Credit Union · $1.5B 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.

Credit unions only
$1.5B in assets
Headquartered in 18 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
The Summit Federal Credit Union(this institution)	Rochester, NY	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Alabama One Federal Credit Union	Tuscaloosa, AL	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Allsouth Federal Credit Union	Columbia, SC	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Aloha Pacific Federal Credit Union	Honolulu, HI	$1.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Amoco Federal Credit Union	Texas City, TX	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Centris Federal Credit Union	Omaha, NE	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Collins Community Federal Credit Union	Cedar Rapids, IA	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Community Financial Federal Credit Union	Plymouth, MI	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Credit Union West	Glendale, AZ	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Dade County Federal Credit Union	Sweetwater, FL	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Del Norte Federal Credit Union	Los Alamos, NM	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Commonwealth Federal Credit Union	Lehigh Valley, PA	$1.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Community Federal Credit Union	Jamestown, ND	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Service Federal Credit Union	Houston, TX	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Listerhill Federal Credit Union	Sheffield, AL	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Multipli Federal Credit Union	Jefferson City, MO	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
One Nevada Federal Credit Union	Las Vegas, NV	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Onpath Federal Credit Union	Metairie, LA	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Palmetto Citizens Federal Credit Union	Columbia, SC	$1.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
S. C. State Federal Credit Union	Columbia, SC	$1.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Sikorsky Financial Federal Credit Union	Stratford, CT	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
U.S. Eagle Federal Credit Union	Albuquerque, NM	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
United States Senate Federal Credit Union	Alexandria, VA	$1.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
University Of Michigan Federal Credit Union	Ann Arbor, MI	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Utilities Employees Federal Credit Union	Reading, PA	$1.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Webster First Federal Credit Union	Worcester, MA	$1.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 18 publish this fee(monthly maintenance)

7 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $4.53 (60%) below the median of similar-sized credit unions.

Compared at $2.98, the middle of its three prices, against a peer median of $7.50 among 18 publishing peers.

Its three checking prices are $0, $5.95 and $5.95.

$2.98 is a comparison price, not a fee anyone is charged.

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

The Summit Federal Credit…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

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 The Summit 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: $1.5M
vs prior quarter: +$26K+1.8%; from Q1 2026
vs a year earlier: +$223K+17.4%; from Q2 2025
vs start of range: +$107K+7.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: The Summit 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	$1.5M	+$26K	+1.8%
Q1 2026	$1.5M	+$18K	+1.2%
Q4 2025	$1.5M	+$65K	+4.6%
Q3 2025	$1.4M	+$114K	+8.9%
Q2 2025	$1.3M	−$6K	−0.5%
Q1 2025	$1.3M	−$162K	−11.1%
Q4 2024	$1.5M	+$52K	+3.7%
Q3 2024	$1.4M	+$137K	+10.8%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Account Maintenance Fee$5.95
per month
Account Maintenance Fee: If applicable$5.95
per month
Maintenance Fee (audience not stated, treated as personal)No charge
MoneyMax Account Low Balance Fee$10
Premium Checking Low Balance Fee$5
Early Account Closure Fee (180 days of account opening)$5
» all loan and certificate account balances as of the last business: Inactivity Fee$15
Not compared: Quarterly charge, not monthly
per quarter
Dormant Account Fee$20
Inactivity$7.95
Balance Checkbook Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Research Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail/Bad Address Fee$5

Overdraft & NSF

Courtesy Pay Fee$25
Insufficient Funds Fee$25
Share-to-Share Overdraft Transfer Fee$10
per item

ATM & Card

Non-Summit Owned ATM machines$2

Check Services

Official Checks$5
Money Orders$2
per item
Stop Payments$25
Check Cashing Fee (non-members, per visit)$5
Check Copy Fee$5
Online Check CopiesNo charge

Account Services

Notary Fee (non-members)$2
Not compared: Daily charge, not per item
per day
Legal Order Processing Fee (per request)$95
per item
Mortgage Subordination Fee$125
Verification of Deposit (per request)$20
per item

Lending Fees

Late Payment Fee$35

Retirement & IRA

IRA Institution to Institution Transfer Fee$30

Other Fees

Interim statement copy$1
Statement copies for previous quarter$20
Not compared: Charged per hour; comparison unavailable
per hour

Fee	Amount	Basis	Note
Account Maintenance
Account Maintenance Fee	$5.95	per month	None
Account Maintenance Fee: If applicable	$5.95	per month	None
Maintenance Fee (audience not stated, treated as personal)	No charge	Not stated	None
MoneyMax Account Low Balance Fee	$10	Not stated	None
Premium Checking Low Balance Fee	$5	Not stated	None
Early Account Closure Fee (180 days of account opening)	$5	Not stated	None
» all loan and certificate account balances as of the last business: Inactivity Fee	$15Not compared: Quarterly charge, not monthly	per quarter	None
Dormant Account Fee	$20	Not stated	None
Inactivity	$7.95	Not stated	None
Balance Checkbook Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Research Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail/Bad Address Fee	$5	Not stated	None
Overdraft & NSF
Courtesy Pay Fee	$25	Not stated	None
Insufficient Funds Fee	$25	Not stated	None
Share-to-Share Overdraft Transfer Fee	$10	per item	None
ATM & Card
Non-Summit Owned ATM machines	$2	Not stated	None
Check Services
Official Checks	$5	Not stated	None
Money Orders	$2	per item	None
Stop Payments	$25	Not stated	None
Check Cashing Fee (non-members, per visit)	$5	Not stated	None
Check Copy Fee	$5	Not stated	None
Online Check Copies	No charge	Not stated	None
Account Services
Notary Fee (non-members)	$2Not compared: Daily charge, not per item	per day	None
Legal Order Processing Fee (per request)	$95	per item	None
Mortgage Subordination Fee	$125	Not stated	None
Verification of Deposit (per request)	$20	per item	None
Lending Fees
Late Payment Fee	$35	Not stated	None
Retirement & IRA
IRA Institution to Institution Transfer Fee	$30	Not stated	None
Other Fees
Interim statement copy	$1	Not stated	None
Statement copies for previous quarter	$20Not compared: Charged per hour; comparison unavailable	per hour	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 5, 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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