Compared with Pennsylvania
1 of 13
compared fees are above the median.
12 below, 0 about the same.
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
26th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Pennsylvania median
of 13 compared; 12 below, 0 about the same
See the feesFee schedule read Oct 10, 2026
Call-report figures are for Phb Employees 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 2,932 credit unions with under $300M 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 Pennsylvania median | Published fees above the Pennsylvania median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Phb Employees Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 10, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 3.9% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (26th 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 $5K in Q2 2026, about level with the same quarter a year earlier ($5K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
1 of 13 compared published fees sit above the Pennsylvania median; 12 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 Pennsylvania medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Cleveland 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 $5K. Its share of revenue, 3.9%, is below the 7.2% median for credit unions with under $300M in assets.
$5K
Phb Employees 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 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Phb Employees Federal Credit Union · $8M in assets
Banks and credit unions in the Erie, PA metro
Banks and credit unions with branches in the Erie, PA metro: the local competitors for deposits and customers. They range from $10M to $609.8B in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Phb Employees Federal Credit Union(this institution) | Fairview, PA | $8M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Americo Federal Credit Union | Erie, PA | $90M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens Bank, National Association | Providence, RI | $232.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| CNB Bank | Clearfield, PA | $8.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Erie Federal Credit Union | Erie, PA | $808M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Erie Firefighters Federal Credit Union | Erie, PA | $10M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First National Bank of Pennsylvania | Greenville, PA | $50.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| I B E W Local 56 Federal Credit Union | Erie, PA | $11M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| KeyBank National Association | Cleveland, OH | $188.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Locomotive & Control Employees Federal Credit Union | Erie, PA | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Marquette Savings Bank | Erie, PA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Northwest Bank | Warren, PA | $17.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| PNC Bank, National Association | Wilmington, DE | $609.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Huntington National Bank | Columbus, OH | $283.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Widget Federal Credit Union | Erie, PA | $480M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Woodforest National Bank | The Woodlands, TX | $9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
15 peers selected · 10 publish this fee(monthly maintenance)
5 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.25 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 Oct 29, 2026.
Monthly maintenance fee in dollars, one mark per institution
Phb Employees 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.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.
Call reports for Phb Employees 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 | $5K | +$2K | +66.7% |
| Q1 2026 | $3K | −$2K | −40.0% |
| Q4 2025 | $5K | $0 | 0.0% |
| Q3 2025 | $5K | $0 | 0.0% |
| Q2 2025 | $5K | +$2K | +66.7% |
| Q1 2025 | $3K | −$2K | −40.0% |
| Q4 2024 | $5K | +$1K | +25.0% |
| Q3 2024 | $4K | $0 | 0.0% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Phb Employees 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 Phb Employees Federal Credit Union by share.
Amounts from Phb Employees Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheat Fee - (audience not stated, treated as personal) | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account reconcilement | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive withdrawal (youth) | $1Below the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
| Bad address/no forwarding | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
| Bad address/postal notification | $1Below the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft (with phone call) | $5Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Debit card transaction | $20Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF Fee (per item) | $20Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM withdrawals exceeding 8 per mo | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Card replacement fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Cashiers Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Check printing (order) price varies according to styleDeposited item return fee | $12Inside the U.S. middle 50% ($0.20 to $18.69 nationally) | Not stated | None |
| Stop Payment Fee (per item) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Copy of cleared check | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited item return fee | $12Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Garnishment/Levy | $10Below the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Lending Fees | |||
| Late Fee | $15Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 10, 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 Phb Employees Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Fairview, PA | 1 |
Largest competitors nearby
Local market: Erie county, PA, around its headquarters.
| 24 in its local market | Deposit share |
|---|---|
| PNC Bank, National Association | 30.5% |
| First National Bank of Pennsylvania | 18.8% |
| Northwest Bank | 16.5% |
| CNB Bank | 12.4% |
| Marquette Savings Bank | 11.3% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
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