Mid-State Federal Credit Union

Headquarters: Carteret, New Jersey
Charter: Credit Union
Assets: $23.4M
Fed district: New York

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

Source: its fee schedule, read Oct 26, 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 26, 2026

How these figures are measured

Call-report figures are for Mid-State 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.	Mid-State Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 26, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Mid-State 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 $11K in Q2 2026, 15% below the same quarter a year earlier ($13K).
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.

Overdraft (OD)
Mid-State Federal Credit Union: $35
Mid-State Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Mid-State Federal Credit Union: $30
Mid-State Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Mid-State Federal Credit Union: $40
Mid-State Federal Credit Union: $40
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 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 8.3% from Q3 2025 to Q2 2026, to $11K.

Fee income, Q2 2026

$11K

$12KQ3 2025

$13KQ4 2025

$11KQ1 2026

$11KQ2 2026

Against the median

Mid-State 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

Mid-State Federal Credit Union · $23M 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 20 states.

Credit unions only
$23M to $24M in assets
Headquartered in 20 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
Mid-State Federal Credit Union(this institution)	Carteret, NJ	$23M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Advantage One Federal Credit Union	Morrison, IL	$24M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Alliance Niagara Federal Credit Union	Sanborn, NY	$24M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Bayou City Federal Credit Union	Houston, TX	$24M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Billerica Municipal Employees Federal Credit Union	Billerica, MA	$24M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Chattahoochee Federal Credit Union	Valley, AL	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Express Federal Credit Union	Seattle, WA	$23M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Financial Educators Federal Credit Union	Daytona Beach, FL	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Glynn County Federal Employees	Brunswick, GA	$23M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hamakua Federal Credit Union	Pepeekeo, HI	$23M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Honeywell Philadelphia Div Federal Credit Union	Ft Washington, PA	$24M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Main Impact Federal Credit Union	Murray, KY	$23M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Members 1St Federal Credit Union	Brattleboro, VT	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Mint Valley Federal Credit Union	Longview, WA	$24M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Monroe County Teachers Federal Credit Union	Key West, FL	$24M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ontario Public Employees Federal Credit Union	Ontario, CA	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Priority Plus Federal Credit Union	Wilmington, DE	$23M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
S C I Federal Credit Union	Florence, SC	$24M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Strategic Federal Credit Union	Sterling, VA	$23M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tee-Pak Federal Credit Union	Danville, IL	$24M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Thiokol Elkton Federal Credit Union	Elkton, MD	$24M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Trades & Labor Federal Credit Union	Albert Lea, MN	$23M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Unite Federal Credit Union	Cedar Falls, IA	$24M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
West Penn P&P Federal Credit Union	Beaver, PA	$23M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Westmoreland Water Federal Credit Union	Greensburg, PA	$24M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wolf Point Federal Credit Union	Wolf Point, MT	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Mid-State Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 9 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 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Mid-State Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Mid-State Federal Credit…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 1, 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 Mid-State 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: $11K
vs prior quarter: $00.0%; from Q1 2026
vs a year earlier: −$2K−15.4%; from Q2 2025
vs start of range: −$1K−8.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Mid-State 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	$11K	$0	0.0%
Q1 2026	$11K	−$2K	−15.4%
Q4 2025	$13K	+$1K	+8.3%
Q3 2025	$12K	−$1K	−7.7%
Q2 2025	$13K	+$1K	+8.3%
Q1 2025	$12K	$0	0.0%
Q4 2024	$12K	$0	0.0%
Q3 2024	$12K	+$1K	+9.1%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Below Minimum Balance Fee$10
Below Minimum Balance Fee$10
Account Closure Fee (if closed within 45 days of opening)$25
Dormant-Inactive Account/monthly$10
per month
Paper Statement Fee (per statement)$3
Not compared: Charged per statement; comparison unavailable
per statement · Paper Statement Fee (per statement) | $3
Incorrect Address Fee Monthly$5
per month

Overdraft & NSF

Courtesy Pay$35
Returned-NSF or Uncollected Fee$30

ATM & Card

Replacement, Lost/Stolen Card$20
Overnight Card$50

Wire Transfers

Outgoing Wire-Domestic$40
Incoming Wire$10
Outgoing Wire-Foreign$50

Check Services

Cashier Check to Third Party$10
Stop Payment (share drafts personal)$25
On Us Check Cashing. (to non-member)$15
Foreign Check Collection$25
Share Draft (check) Copy$5

Account Services

Levies/Liens$100

Retirement & IRA

IRA Account Closure or Transfer$25

Gift & Prepaid Cards

Visa Gift Card (less than $250)$2.50
Visa Gift Card (more than $250)$5

Other Fees

Overnight Mail$25
Copy of Account Statement$7.50

Fee	Amount	Basis	Note
Account Maintenance
Below Minimum Balance Fee	$10	Not stated	None
Below Minimum Balance Fee	$10	Not stated	None
Account Closure Fee (if closed within 45 days of opening)	$25	Not stated	None
Dormant-Inactive Account/monthly	$10	per month	None
Paper Statement Fee (per statement)	$3Not compared: Charged per statement; comparison unavailable	per statement	Paper Statement Fee (per statement) \| $3
Incorrect Address Fee Monthly	$5	per month	None
Overdraft & NSF
Courtesy Pay	$35	Not stated	None
Returned-NSF or Uncollected Fee	$30	Not stated	None
ATM & Card
Replacement, Lost/Stolen Card	$20	Not stated	None
Overnight Card	$50	Not stated	None
Wire Transfers
Outgoing Wire-Domestic	$40	Not stated	None
Incoming Wire	$10	Not stated	None
Outgoing Wire-Foreign	$50	Not stated	None
Check Services
Cashier Check to Third Party	$10	Not stated	None
Stop Payment (share drafts personal)	$25	Not stated	None
On Us Check Cashing. (to non-member)	$15	Not stated	None
Foreign Check Collection	$25	Not stated	None
Share Draft (check) Copy	$5	Not stated	None
Account Services
Levies/Liens	$100	Not stated	None
Retirement & IRA
IRA Account Closure or Transfer	$25	Not stated	None
Gift & Prepaid Cards
Visa Gift Card (less than $250)	$2.50	Not stated	None
Visa Gift Card (more than $250)	$5	Not stated	None
Other Fees
Overnight Mail	$25	Not stated	None
Copy of Account Statement	$7.50	Not stated	None

Correct a fee source

Oct 26, 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

Get an email when Mid-State Federal Credit Union's foreign transaction changes in our data

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