Raritan Bay Federal Credit Union

Headquarters: Sayreville, New Jersey
Charter: Credit Union
Assets: $107.5M
Fed district: New York

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

Source: its fee schedule, read Oct 19, 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 19, 2026

How these figures are measured

Call-report figures are for Raritan Bay 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.	Raritan Bay Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 19, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Raritan Bay 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 $173K in Q2 2026, 4.4% below the same quarter a year earlier ($181K).
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
Flex Checking
Raritan Bay Federal Credit Union: $5
Raritan Bay Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Raritan Bay Federal Credit Union: $30
Raritan Bay Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Compared at $40, the middle of its prices
Raritan Bay Federal Credit Union: $30 to $50
Raritan Bay Federal Credit Union: $30 to $50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 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 fell 1.7% from Q3 2025 to Q2 2026, to $173K.

Fee income, Q2 2026

$173K

$176KQ3 2025

$183KQ4 2025

$168KQ1 2026

$173KQ2 2026

Against the median

Raritan Bay 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

Raritan Bay Federal Credit Union · $108M 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
$105M to $110M 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
Raritan Bay Federal Credit Union(this institution)	Sayreville, NJ	$108M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Advanced Financial Federal Credit Union	New Providence, NJ	$107M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Advantage Federal Credit Union	Newton, IA	$106M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ascension Federal Credit Union	Gonzales, LA	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Bay Area Federal Credit Union	Oregon, OH	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cherokee Strip Federal Credit Union	Ponca City, OK	$106M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Farmway Federal Credit Union	Beloit, KS	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First California Federal Credit Union	Fresno, CA	$110M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Eagle Federal Credit Union	Owings Mills, MD	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hibbing Cooperative Federal Credit Union	Hibbing, MN	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Kaiperm Federal Credit Union	Walnut Creek, CA	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lassen County Federal Credit Union	Susanville, CA	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Membersfirst Ct Federal Credit Union	Meriden, CT	$107M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Membersown Federal Credit Union	Lincoln, NE	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Money One Federal Credit Union	Largo, MD	$105M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Onenebraska Federal Credit Union	Columbus, NE	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Palco Fcu Federal Credit Union	Muncy, PA	$109M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Rancho Federal Credit Union	Downey, CA	$109M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Roanoke Valley Community Federal Credit Union	Roanoke, VA	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Rockdale Federal Credit Union	Rockdale, TX	$108M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Seaport Federal Credit Union	Elizabeth, NJ	$110M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Local Federal Credit Union	Sterling Heights, MI	$107M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Valley 1St Community Federal Credit Union	Monessen, PA	$107M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Vue Community Federal Credit Union	Bismarck, ND	$106M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Weld Community Federal Credit Union	Greeley, CO	$110M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Worcester Federal Credit Union	Worcester, MA	$107M	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 · 13 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $0.95 (16%) below the median of similar-sized credit unions.

Its published price is $5, against a peer median of $5.95 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

Raritan Bay Federal Credi…Peer (equal prices stack)Peer medianInclude $30 outlierShown past the axis break, not to scale, so the rest of the set has room.

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 Raritan Bay 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: $173K
vs prior quarter: +$5K+3.0%; from Q1 2026
vs a year earlier: −$8K−4.4%; from Q2 2025
vs start of range: −$2K−1.1%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Raritan Bay 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	$173K	+$5K	+3.0%
Q1 2026	$168K	−$15K	−8.2%
Q4 2025	$183K	+$7K	+4.0%
Q3 2025	$176K	−$5K	−2.8%
Q2 2025	$181K	+$12K	+7.1%
Q1 2025	$169K	−$10K	−5.6%
Q4 2024	$179K	+$4K	+2.3%
Q3 2024	$175K	−$14K	−7.4%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Unlimited checking transactions Monthly service fee$5
per month
Account Closed within 60 days of Opening$25
Dormant Account Fee (per month)$5
per month
Escheat Processing (per account)$50
Account Research (per hour, 1 hour minimum)$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Advance (per item)$30
per item
NSF- Insufficient Funds (per item)$50
per item
NSF-Insufficient Funds (per item)$30
per item
Overdraft Transfer (per item, charged per day)$10
per item

ATM & Card

ATM Cash Advance$5
Plastic Card Replacement$7.50
Rush Domestic Delivery of Replace Card (additional)$45
Foreign Transaction1%of the transaction

Wire Transfers

Wire Fee: Outgoing Domestic$25
Wire Fee: Incoming Domestic$10

Check Services

Cashier's Check (certified equivalent)$10
per item
Money Order (not valid over $1,500)$5
Stop Payment (per item)$50
per item
Stop Payment (per item)$30
per item
Stop Payment Range- sequentially numbered (up to 25 items)$40
Temporary Checks$2
per item · set of 4
Temporary Checks (set of 4)$2
Copy of Cleared Check (per item, over 1 year)$10
per item
Copy of Cleared Check (per item)$5
per item
Corporate Check Copy (less than 6 months old)$5
per item

Digital & Electronic

Bill Pay ServiceNo charge

Cash & Deposit

Coin Processing (per roll)$0.05
per item
Cash Advances$10
per transaction
Debit Card Cash Advance$2.50

Account Services

Notary Public ServiceNo charge
Levy Processing$100
Account Verification Letter$20

Lending Fees

Late Payment5%

Retirement & IRA

IRA Closed Account$20

Gift & Prepaid Cards

VISA Gift Card (per card)$4
per item

Other Fees

Overnight Mail Processing (plus postage)$15
Faxing (per page)$1
per item
Statement Reprint (per statement)$5
Early Payoff Letter$10
Loan Modification Fee$100

Fee	Amount	Basis	Note
Account Maintenance
Unlimited checking transactions Monthly service fee	$5	per month	None
Account Closed within 60 days of Opening	$25	Not stated	None
Dormant Account Fee (per month)	$5	per month	None
Escheat Processing (per account)	$50	Not stated	None
Account Research (per hour, 1 hour minimum)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Advance (per item)	$30	per item	None
NSF- Insufficient Funds (per item)	$50	per item	None
NSF-Insufficient Funds (per item)	$30	per item	None
Overdraft Transfer (per item, charged per day)	$10	per item	None
ATM & Card
ATM Cash Advance	$5	Not stated	None
Plastic Card Replacement	$7.50	Not stated	None
Rush Domestic Delivery of Replace Card (additional)	$45	Not stated	None
Foreign Transaction	1%of the transaction	Not stated	None
Wire Transfers
Wire Fee: Outgoing Domestic	$25	Not stated	None
Wire Fee: Incoming Domestic	$10	Not stated	None
Check Services
Cashier's Check (certified equivalent)	$10	per item	None
Money Order (not valid over $1,500)	$5	Not stated	None
Stop Payment (per item)	$50	per item	None
Stop Payment (per item)	$30	per item	None
Stop Payment Range- sequentially numbered (up to 25 items)	$40	Not stated	None
Temporary Checks	$2	per item	set of 4
Temporary Checks (set of 4)	$2	Not stated	None
Copy of Cleared Check (per item, over 1 year)	$10	per item	None
Copy of Cleared Check (per item)	$5	per item	None
Corporate Check Copy (less than 6 months old)	$5	per item	None
Digital & Electronic
Bill Pay Service	No charge	Not stated	None
Cash & Deposit
Coin Processing (per roll)	$0.05	per item	None
Cash Advances	$10	per transaction	None
Debit Card Cash Advance	$2.50	Not stated	None
Account Services
Notary Public Service	No charge	Not stated	None
Levy Processing	$100	Not stated	None
Account Verification Letter	$20	Not stated	None
Lending Fees
Late Payment	5%	Not stated	None
Retirement & IRA
IRA Closed Account	$20	Not stated	None
Gift & Prepaid Cards
VISA Gift Card (per card)	$4	per item	None
Other Fees
Overnight Mail Processing (plus postage)	$15	Not stated	None
Faxing (per page)	$1	per item	None
Statement Reprint (per statement)	$5	Not stated	None
Early Payoff Letter	$10	Not stated	None
Loan Modification Fee	$100	Not stated	None

Correct a fee source

Oct 19, 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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