Community Financial Services Federal Credit Union

Headquarters: Roselle, New Jersey
Charter: Credit Union
Assets: $30.6M
Fed district: New York
Regulator: NCUA

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

Source: its fee schedule, read Feb 17, 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 Feb 17, 2026

How these figures are measured

Call-report figures are for Community Financial Services 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.	Community Financial Services Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Feb 17, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Community Financial Services 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 $56K in Q2 2026, 1.8% above the same quarter a year earlier ($55K).
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
Community Financial Services Federal Credit Union: No fee
Community Financial Services Federal Credit Union: No fee
U.S. median: no median
Overdraft (OD)
Community Financial Services Federal Credit Union: $33
Community Financial Services Federal Credit Union: $33
U.S. median: no median
NSF / Returned Item
Community Financial Services Federal Credit Union: $33
Community Financial Services Federal Credit Union: $33
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 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 15% from Q3 2025 to Q2 2026, to $56K.

Fee income, Q2 2026

$56K

$66KQ3 2025

$56KQ4 2025

$54KQ1 2026

$56KQ2 2026

Against the median

Community Financial Services 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

Community Financial Services Federal Credit Union · $31M 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 21 states.

Credit unions only
$30M to $31M in assets
Headquartered in 21 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
Community Financial Services Federal Credit Union(this institution)	Roselle, NJ	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Alcon Employees Federal Credit Union	Fort Worth, TX	$30M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bakersfield City Employees Federal Credit Union	Bakersfield, CA	$30M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cincinnati Interagency Federal Credit Union	Cincinnati, OH	$31M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Cusa Federal Credit Union	Covington, LA	$31M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
De Soto Mo Pac Federal Credit Union	De Soto, MO	$31M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Elca Federal Credit Union	Chicago, IL	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ferko Md Federal Credit Union	Frederick, MD	$30M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Financial Health Federal Credit Union	Indianapolis, IN	$30M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Area Federal Credit Union	Lewistown, PA	$30M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gates Chili Federal Credit Union	Rochester, NY	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Gateway Federal Credit Union	Springfield, OR	$31M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Huntington C & O Railway Employees Federal Credit Union	Huntington, WV	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Iowa Heartland Federal Credit Union	Mason City, IA	$30M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
K.U.M.C. Federal Credit Union	Shawnee, KS	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Kenowa Community Federal Credit Union	Wyoming, MI	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Leominster Employees Federal Credit Union	Leominster, MA	$30M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Meridian Mississippi Ang Federal Credit Union	Meridian, MS	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Neighborhood Community Federal Credit Union	Omaha, NE	$31M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pinpoint Federal Credit Union	Milton, PA	$30M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Postal Family Federal Credit Union	Fargo, ND	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sun Pacific Federal Credit Union	Richmond, CA	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Tennessee Employees Federal Credit Union	Nashville, TN	$31M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Texas Community Federal Credit Union	Kingsville, TX	$30M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
United Energy Federal Credit Union	Humble, TX	$30M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Walton County Teachers Federal Credit Union	Defuniak Springs, FL	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $5 (100%) below the median of similar-sized credit unions.

Its published price is $0, against a peer median of $5 among 10 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 Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

Community Financial Servi…Peer (equal prices stack)Peer medianInclude $20 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 Nov 4, 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 Community Financial Services 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: $56K
vs prior quarter: +$2K+3.7%; from Q1 2026
vs a year earlier: +$1K+1.8%; from Q2 2025
vs start of range: −$13K−18.8%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Community Financial Services 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	$56K	+$2K	+3.7%
Q1 2026	$54K	−$2K	−3.6%
Q4 2025	$56K	−$10K	−15.2%
Q3 2025	$66K	+$11K	+20.0%
Q2 2025	$55K	−$10K	−15.4%
Q1 2025	$65K	−$3K	−4.4%
Q4 2024	$68K	−$1K	−1.4%
Q3 2024	$69K	+$2K	+3.0%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Account monthly maintenance feeNo charge
per month
Escheat account fee$50
per item
Inactive account (inactive over 1 year, less than balance)$5
per month
Account reconcilements taking more than 15 minutes$10
Not compared: Charged per hour; comparison unavailable
per hour · Account reconcilements taking more than 15 minutes | $10.00 per hour
Bad Address (Returned mail by the post office-1st return free)$5
per month

Overdraft & NSF

Overdraft – Paid$33
per item
NSF - Returned dishonored share draft/check$33
per item
NSF – ATM / Debit insufficient fund fee$33
per transaction

ATM & Card

ATM replacement card$10
per item

Wire Transfers

Wires, outgoing:  Domestic$25
per item
Wires, incoming$10
per item

Check Services

Certified checks$5
Teller checks (Payable to Third Party)$5
Stop payment of share draft/check$35
per item
Copy of share draft/check$6
per item

Cash & Deposit

NSF - Returned deposit items$33
per item

Account Services

Notary serviceNo charge
Levy$50
per item

Other Fees

Copy of loan documents or statements$1
Not compared: Charged per page; comparison unavailable
per page · Copy of loan documents or statements | $ 1.00 per page
Photocopies$0.25
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Account monthly maintenance fee	No charge	per month	None
Escheat account fee	$50	per item	None
Inactive account (inactive over 1 year, less than balance)	$5	per month	None
Account reconcilements taking more than 15 minutes	$10Not compared: Charged per hour; comparison unavailable	per hour	Account reconcilements taking more than 15 minutes \| $10.00 per hour
Bad Address (Returned mail by the post office-1st return free)	$5	per month	None
Overdraft & NSF
Overdraft – Paid	$33	per item	None
NSF - Returned dishonored share draft/check	$33	per item	None
NSF – ATM / Debit insufficient fund fee	$33	per transaction	None
ATM & Card
ATM replacement card	$10	per item	None
Wire Transfers
Wires, outgoing:  Domestic	$25	per item	None
Wires, incoming	$10	per item	None
Check Services
Certified checks	$5	Not stated	None
Teller checks (Payable to Third Party)	$5	Not stated	None
Stop payment of share draft/check	$35	per item	None
Copy of share draft/check	$6	per item	None
Cash & Deposit
NSF - Returned deposit items	$33	per item	None
Account Services
Notary service	No charge	Not stated	None
Levy	$50	per item	None
Other Fees
Copy of loan documents or statements	$1Not compared: Charged per page; comparison unavailable	per page	Copy of loan documents or statements \| $ 1.00 per page
Photocopies	$0.25Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Feb 17, 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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