Syracuse Fire Department Employees Federal Credit Union

Headquarters: Syracuse, New York
Charter: Credit Union
Assets: $147.4M
Fed district: New York
Regulator: NCUA

Explore Hamilton View published fees

Compared with New York

3 of 18

compared fees are above the median.

12 below, 3 about the same.

About the same: within 1% of the median.

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
22nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 18 compared; 12 below, 3 about the same
See the fees
Fee schedule read Aug 10, 2026

How these figures are measured

Call-report figures are for Syracuse Fire Department 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 New York median	Published fees above the New York median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Syracuse Fire Department Employees Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Aug 10, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Syracuse Fire Department Employees 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 3.3% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (22nd 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 $76K in Q2 2026, 7.0% above the same quarter a year earlier ($71K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 18 compared published fees sit above the New York 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.

Fees against the market

Comparison with New York medians for fees published by banks and credit unions.

Non-Network ATM
Syracuse Fire Department Employees Federal Credit Union: $1
Syracuse Fire Department Employees Federal Credit Union: $1
New York median: $1.5085 publishNew York district median: $1.50116 publishU.S. median: $1.501,651 publish
NSF / Returned Item
Syracuse Fire Department Employees Federal Credit Union: $25
Syracuse Fire Department Employees Federal Credit Union: $25
New York median: $30140 publishNew York district median: $30194 publishU.S. median: $302,859 publish
Wire Transfer (Domestic Out)
Syracuse Fire Department Employees Federal Credit Union: $20
Syracuse Fire Department Employees Federal Credit Union: $20
New York median: $25136 publishNew York district median: $25191 publishU.S. median: $252,630 publish

Published schedulesBanks and credit unionsRead Aug 10, 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 17% from Q3 2025 to Q2 2026, to $76K. Its share of revenue, 3.3%, is below the 7.2% median for credit unions with under $300M in assets.

Fee income, Q2 2026

$76K

$65KQ3 2025

$71KQ4 2025

$55KQ1 2026

$76KQ2 2026

Against the median (NY for fees)

Share of revenue3.3% / 7.2%
Non‑network ATM$1 / $1.50

Syracuse Fire Department Employees 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.

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.

Is the lower share a matter of price, waivers, or a different mix of accounts?
Which fees make up most of fee income, and has that mix changed?

See a free sample report

Among its peers

Syracuse Fire Department Employees Federal Credit Union · $147M 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 13 states.

Credit unions only
$143M to $152M in assets
Headquartered in 13 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
Syracuse Fire Department Employees Federal Credit Union(this institution)	Syracuse, NY	$147M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Arkansas Best Federal Credit Union	Fort Smith, AR	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Buffalo Metropolitan Federal Credit Union	Buffalo, NY	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Celco Community Federal Credit Union	Narrows, VA	$144M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Cheney Federal Credit Union	Cheney, WA	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community First Federal Credit Union	Lakeview, MI	$149M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Consumers Professional Federal Credit Union	Lansing, MI	$150M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
East County Schools Federal Credit Union	El Cajon, CA	$147M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Fidelis Catholic Federal Credit Union	Arvada, CO	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Financial Builders Federal Credit Union	Kokomo, IN	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Financialedge Federal Credit Union	Bay City, MI	$147M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Florida West Coast Federal Credit Union	Brandon, FL	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Great Erie Federal Credit Union	Orchard Park, NY	$150M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hawaii County Employees Federal Credit Union	Hilo, HI	$148M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Heart Of Louisiana Federal Credit Union	Pineville, LA	$143M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Jm Associates Federal Credit Union	Jacksonville, FL	$151M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lenco Federal Credit Union	Adrian, MI	$145M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Maui Federal Credit Union	Kahului, HI	$146M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Meridia Community Federal Credit Union	Hamburg, NY	$144M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Alabama Educators Federal Credit Union	Huntsville, AL	$143M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Quantum Federal Credit Union	Wichita, KS	$143M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Siskiyou Federal Credit Union	Yreka, CA	$144M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The District Federal Credit Union	Aurora, CO	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Town Of Hempstead Employees Federal Credit Union	North Baldwin, NY	$149M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Tru Fi Federal Credit Union	Macclenny, FL	$146M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Xplore Federal Credit Union	Metairie, LA	$147M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	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

Syracuse Fire Department Employees Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $4 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 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Syracuse Fire Department Employees Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Syracuse Fire Department…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 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 Syracuse Fire Department Employees 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: $76K
vs prior quarter: +$21K+38.2%; from Q1 2026
vs a year earlier: +$5K+7.0%; from Q2 2025
vs start of range: +$16K+26.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Syracuse Fire Department Employees 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	$76K	+$21K	+38.2%
Q1 2026	$55K	−$16K	−22.5%
Q4 2025	$71K	+$6K	+9.2%
Q3 2025	$65K	−$6K	−8.5%
Q2 2025	$71K	+$14K	+24.6%
Q1 2025	$57K	+$2K	+3.6%
Q4 2024	$55K	−$5K	−8.3%
Q3 2024	$60K	−$7K	−10.4%

Fee-income share against its size cohort

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, Syracuse Fire Department Employees Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Syracuse Fire Department Employees Federal Credit Union: 3.3%
Percentile: 22nd
25th percentile: 3.7%
Median: 7.2%
75th percentile: 11%

Syracuse Fire Department Employees Federal Credit Union 3.3%Median 7.2%Middle half 3.7% to 11.4%Peers at each share21 above 30%, counted in the last bar

Find a peer (2,932)

The 15 closest to Syracuse Fire Department Employees Federal Credit Union by share.

Details

Source: NCUA 5300 call report
Entity: Each credit union, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026), year to date
Measure: Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: Account 131 / (Account 115 + Account 117)

Published fee schedule

Amounts from Syracuse Fire Department Employees Federal Credit Union’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Dormant Acocunt Fee$5
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Research Fee per hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail Fee$5
Inside the U.S. middle 50% ($5 to $7.50 nationally)

Overdraft & NSF

NSF (ACH/Sharedraft)$25
Inside the U.S. middle 50% ($25 to $32 nationally)

ATM & Card

ATM inquiries$1
Inside the U.S. middle 50% ($1 to $2 nationally)
ATM transactions (out of network)$1
Inside the U.S. middle 50% ($1 to $2 nationally)
Debit Card Replacement Fee$10
Inside the U.S. middle 50% ($5 to $10 nationally)
Debit Card Replacement Rush Fee$20
Below the U.S. middle 50% ($30 to $50 nationally)

Wire Transfers

Wire Transfer Fee$20
Inside the U.S. middle 50% ($20 to $25 nationally)
Incoming Wire Transfer Fee$20
Above the U.S. middle 50% ($5 to $15 nationally)
Wire Transfer Fee (International)$50
Inside the U.S. middle 50% ($40 to $50 nationally)

Check Services

Other Fees Cashier's Check Fee (audience not stated, treated as personal)$1
Below the U.S. middle 50% ($3 to $6 nationally)
Money Order Fee$3
Inside the U.S. middle 50% ($2 to $3 nationally)
Stop Payment Fee$15
Below the U.S. middle 50% ($20 to $30 nationally)
Check Copy Fee$2
Inside the U.S. middle 50% ($2 to $5 nationally)

Cash & Deposit

Deposit Item Return Fee$20
Inside the U.S. middle 50% ($9 to $25 nationally)

Account Services

Legal Processing Fee$25
Below the U.S. middle 50% ($50 to $150 nationally)

Gift & Prepaid Cards

VISA Gift Cards$3
Inside the U.S. middle 50% ($3 to $4.95 nationally)

Other Fees

Statement Copy Fee$2
Inside the U.S. middle 50% ($2 to $5 nationally)
Blazing Bucks Loan Application Fee$20
Inside the U.S. middle 50% ($20 to $37.50 nationally)
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Acocunt Fee	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Research Fee per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail Fee	$5Inside the U.S. middle 50% ($5 to $7.50 nationally)	Not stated	None
Overdraft & NSF
NSF (ACH/Sharedraft)	$25Inside the U.S. middle 50% ($25 to $32 nationally)	Not stated	None
ATM & Card
ATM inquiries	$1Inside the U.S. middle 50% ($1 to $2 nationally)	Not stated	None
ATM transactions (out of network)	$1Inside the U.S. middle 50% ($1 to $2 nationally)	Not stated	None
Debit Card Replacement Fee	$10Inside the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Debit Card Replacement Rush Fee	$20Below the U.S. middle 50% ($30 to $50 nationally)	Not stated	None
Wire Transfers
Wire Transfer Fee	$20Inside the U.S. middle 50% ($20 to $25 nationally)	Not stated	None
Incoming Wire Transfer Fee	$20Above the U.S. middle 50% ($5 to $15 nationally)	Not stated	None
Wire Transfer Fee (International)	$50Inside the U.S. middle 50% ($40 to $50 nationally)	Not stated	None
Check Services
Other Fees Cashier's Check Fee (audience not stated, treated as personal)	$1Below the U.S. middle 50% ($3 to $6 nationally)	Not stated	None
Money Order Fee	$3Inside the U.S. middle 50% ($2 to $3 nationally)	Not stated	None
Stop Payment Fee	$15Below the U.S. middle 50% ($20 to $30 nationally)	Not stated	None
Check Copy Fee	$2Inside the U.S. middle 50% ($2 to $5 nationally)	Not stated	None
Cash & Deposit
Deposit Item Return Fee	$20Inside the U.S. middle 50% ($9 to $25 nationally)	Not stated	None
Account Services
Legal Processing Fee	$25Below the U.S. middle 50% ($50 to $150 nationally)	Not stated	None
Gift & Prepaid Cards
VISA Gift Cards	$3Inside the U.S. middle 50% ($3 to $4.95 nationally)	Not stated	None
Other Fees
Statement Copy Fee	$2Inside the U.S. middle 50% ($2 to $5 nationally)	Not stated	None
Blazing Bucks Loan Application Fee	$20Inside the U.S. middle 50% ($20 to $37.50 nationally)	per item	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

Aug 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.

Branches and public record

Where Syracuse Fire Department Employees Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

4 offices in 2 states (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

Cities with the most offices

Syracuse, NY	2
Camillus, NY	1
Frisco, TX	1

Largest competitors nearby

Local market: Onondaga county, NY, around its headquarters.

24 in its local market	Deposit share
Manufacturers and Traders Trust Company	26.9%
KeyBank National Association	17.3%
JPMorgan Chase Bank, National Association	12.6%
Bank of America, National Association	9%
Solvay Bank	8%

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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