Sidney Federal Credit Union

Headquarters: Sidney, New York
Charter: Credit Union
Assets: $1.3B
Fed district: New York
Regulator: NCUA

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

Source: its fee schedule, read Nov 3, 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 3, 2026

How these figures are measured

Call-report figures are for Sidney 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.	Sidney Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 3, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Sidney 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 $929K in Q2 2026, 2.8% above the same quarter a year earlier ($904K).
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
Dividend Checking
Sidney Federal Credit Union: $2
Sidney Federal Credit Union: $2
U.S. median: no median
Overdraft (OD)
Sidney Federal Credit Union: $25
Sidney Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Sidney Federal Credit Union: $25
Sidney 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 3, 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 fell 6.3% from Q3 2025 to Q2 2026, to $929K.

Fee income, Q2 2026

$929K

$991KQ3 2025

$943KQ4 2025

$889KQ1 2026

$929KQ2 2026

Against the median

Sidney 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

Sidney Federal Credit Union · $1.3B 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
$1.2B to $1.3B 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
Sidney Federal Credit Union(this institution)	Sidney, NY	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Amplify Federal Credit Union	Austin, TX	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cobalt Federal Credit Union	Papillion, NE	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Diamond Federal Credit Union	Pottstown, PA	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Dutrac Community Federal Credit Union	Dubuque, IA	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Efcu Financial Federal Credit Union	Baton Rouge, LA	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Farmers Insurance Federal Credit Union	Los Angeles, CA	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Five Star Federal Credit Union	Dothan, AL	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Guardian Federal Credit Union	Prattville, AL	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gulf Coast Educators Federal Credit Union	Pasadena, TX	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Harvard Federal Credit Union	Cambridge, MA	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Island Federal Credit Union	Hauppauge, NY	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Los Angeles Federal Credit Union	Glendale, CA	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Municipal Empl.Credit Union of Balt	Baltimore, MD	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Orion Federal Credit Union	Memphis, TN	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pacific Service Federal Credit Union	Concord, CA	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Rave Financial Federal Credit Union	Beaumont, TX	$1.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Rev Federal Credit Union	Charleston, SC	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Rize Federal Credit Union	El Monte, CA	$1.3B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Sesloc Federal Credit Union	San Luis Obispo, CA	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sharonview Federal Credit Union	Fort Mill, SC	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Silver State Schools Federal Credit Union	Las Vegas, NV	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Southland Federal Credit Union	Los Alamitos, CA	$1.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
State Employees Federal Credit Union	Santa Fe, NM	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Truity Federal Credit Union	Bartlesville, OK	$1.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wright Patman Congressional Federal Credit Union	Washington, DC	$1.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $4.49 (69%) below the median of similar-sized credit unions.

Its published price is $2, against a peer median of $6.49 among 14 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 27, 2026.

Monthly maintenance fee in dollars, one mark per institution

Sidney Federal Credit Uni…Peer (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 27, 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 Sidney 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: $929K
vs prior quarter: +$40K+4.5%; from Q1 2026
vs a year earlier: +$25K+2.8%; from Q2 2025
vs start of range: −$54K−5.5%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Sidney 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	$929K	+$40K	+4.5%
Q1 2026	$889K	−$54K	−5.7%
Q4 2025	$943K	−$48K	−4.8%
Q3 2025	$991K	+$87K	+9.6%
Q2 2025	$904K	+$20K	+2.3%
Q1 2025	$884K	+$31K	+3.6%
Q4 2024	$853K	−$130K	−13.2%
Q3 2024	$983K	+$150K	+18.0%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Dividend Checking Monthly service charge$2
per month
Abandoned Property Account: or less: ACH/Debit Loan Payments by phone$10

Overdraft & NSF

Courtesy Pay Item$25
Return Items$25

ATM & Card

Foreign ATM – transactions/inquires$1
Replacement Card$10
Mail Rush Card$25

Check Services

Official Check$1
Stop Payment$25
Non-Member Check Cashing$5
per transaction
Foreign Check Collection$30

Cash & Deposit

Return Deposit Item$15

Account Services

Legal Processing$100
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Dividend Checking Monthly service charge	$2	per month	None
Abandoned Property Account: or less: ACH/Debit Loan Payments by phone	$10	Not stated	None
Overdraft & NSF
Courtesy Pay Item	$25	Not stated	None
Return Items	$25	Not stated	None
ATM & Card
Foreign ATM – transactions/inquires	$1	Not stated	None
Replacement Card	$10	Not stated	None
Mail Rush Card	$25	Not stated	None
Check Services
Official Check	$1	Not stated	None
Stop Payment	$25	Not stated	None
Non-Member Check Cashing	$5	per transaction	None
Foreign Check Collection	$30	Not stated	None
Cash & Deposit
Return Deposit Item	$15	Not stated	None
Account Services
Legal Processing	$100Not compared: Monthly charge, not per item	per month	None

Correct a fee source

Nov 3, 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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