Cadets Federal Credit Union

Headquarters: Elma, New York
Charter: Credit Union
Assets: $17.7M
Fed district: New York
Regulator: NCUA

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

Source: its fee schedule, read Oct 20, 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 20, 2026

How these figures are measured

Call-report figures are for Cadets 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.	Cadets Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 20, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Cadets 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 $7K in Q2 2026, 17% above the same quarter a year earlier ($6K).
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.

NSF / Returned Item
Cadets Federal Credit Union: $25
Cadets Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Cadets Federal Credit Union: $20
Cadets Federal Credit Union: $20
U.S. median: no median
Stop Payment
Compared at $27.50, the middle of its prices
Cadets Federal Credit Union: $20 to $35
Cadets Federal Credit Union: $20 to $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 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 13% from Q3 2025 to Q2 2026, to $7K.

Fee income, Q2 2026

$7K

$8KQ3 2025

$6KQ4 2025

$6KQ1 2026

$7KQ2 2026

Against the median

Cadets 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

Cadets Federal Credit Union · $18M 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 19 states.

Credit unions only
$17M to $19M in assets
Headquartered in 19 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
Cadets Federal Credit Union(this institution)	Elma, NY	$18M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
1166 Federal Credit Union	Swedesboro, NJ	$17M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Academic Employees Federal Credit Union	Columbia, MO	$17M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bayou Community Federal Credit Union	Saint Gabriel, LA	$18M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Cbi Federal Credit Union	Plainfield, IL	$17M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Combined Employees Federal Credit Union	Warner Robins, GA	$18M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community Healthcare Federal Credit Union	Manchester, CT	$18M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Energy People Federal Credit Union	Medford, NJ	$18M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Farm Credit Employees Federal Credit Union	Saint Paul, MN	$17M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Fasny Federal Credit Union	Albany, NY	$18M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Lincoln Federal Credit Union	Lincoln, NE	$18M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fontana Federal Credit Union	Fontana, CA	$17M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Linkage Federal Credit Union	Waco, TX	$18M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Local Union 392 Federal Credit Union	Cincinnati, OH	$18M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Med Park Federal Credit Union	Grand Forks, ND	$18M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mid-Island Federal Credit Union	Christiansted, VI	$18M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Minerva Area Federal Credit Union	Minerva, OH	$18M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northern Illinois Federal Credit Union	Dekalb, IL	$18M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Parthenon Federal Credit Union	Nashville, TN	$17M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Santo Christo Federal Credit Union	Fall River, MA	$19M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
South Atlantic Federal Credit Union	Boca Raton, FL	$18M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
South Coast Ilwu Federal Credit Union	North Bend, OR	$18M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
The West Tennessee Federal Credit Union	Atoka, TN	$18M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Txdot Federal Credit Union	Abilene, TX	$18M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Victoria Teachers Federal Credit Union	Victoria, TX	$18M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
White County Federal Credit Union	Searcy, AR	$17M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Cadets Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 8 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 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

Cadets Federal Credit Uni…Peer (equal prices stack)Peer medianInclude 3 outliers ($2, $3.98, $7)Shown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 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 Cadets 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: $7K
vs prior quarter: +$1K+16.7%; from Q1 2026
vs a year earlier: +$1K+16.7%; from Q2 2025
vs start of range: −$1K−12.5%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Cadets 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	$7K	+$1K	+16.7%
Q1 2026	$6K	$0	0.0%
Q4 2025	$6K	−$2K	−25.0%
Q3 2025	$8K	+$2K	+33.3%
Q2 2025	$6K	−$2K	−25.0%
Q1 2025	$8K	−$6K	−42.9%
Q4 2024	$14K	+$6K	+75.0%
Q3 2024	$8K	−$2K	−20.0%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Account Closure Fee$25
Account Closure Fee / Account Re-Open Fee$25
per item · Only assessed if account is closed or re-opened within 180 days of being opened
Dormant / Inactive Account Fee$10
per month
Return Mail Fee$5
Not compared: Per-occurrence charge, not monthly
per item · For returned mail - non-notification of address change

Overdraft & NSF

Non-Sufficient Funds Fee$25
per item
Automatic Overdraft Transfer from Savings$2
per item

ATM & Card

Debit Card Replacement Fee$10
per item

Wire Transfers

Wire Transfers - Outgoing$20
per item

Check Services

Stop Payment Fee (Over-the Counter Check)$35
Stop Payment Fee (Share Draft Check)$20
per item · Per share draft check
Check Cashing Fee for Non-Members$10
per item
Check Copies$2
per item

Digital & Electronic

ACH Return Fee$25
per item

Cash & Deposit

Deposit Item Returned (Return Check Fee)$25
per item

Account Services

Legal Services & Judgments$50
per item

Other Fees

Account History Copy$2
per item · Per computer printout
Statement Copies$5
Discharge of Mortgage$55
per item
Lien Release Copy$5
Loan Refinancing Fee$50

Fee	Amount	Basis	Note
Account Maintenance
Account Closure Fee	$25	Not stated	None
Account Closure Fee / Account Re-Open Fee	$25	per item	Only assessed if account is closed or re-opened within 180 days of being opened
Dormant / Inactive Account Fee	$10	per month	None
Return Mail Fee	$5Not compared: Per-occurrence charge, not monthly	per item	For returned mail - non-notification of address change
Overdraft & NSF
Non-Sufficient Funds Fee	$25	per item	None
Automatic Overdraft Transfer from Savings	$2	per item	None
ATM & Card
Debit Card Replacement Fee	$10	per item	None
Wire Transfers
Wire Transfers - Outgoing	$20	per item	None
Check Services
Stop Payment Fee (Over-the Counter Check)	$35	Not stated	None
Stop Payment Fee (Share Draft Check)	$20	per item	Per share draft check
Check Cashing Fee for Non-Members	$10	per item	None
Check Copies	$2	per item	None
Digital & Electronic
ACH Return Fee	$25	per item	None
Cash & Deposit
Deposit Item Returned (Return Check Fee)	$25	per item	None
Account Services
Legal Services & Judgments	$50	per item	None
Other Fees
Account History Copy	$2	per item	Per computer printout
Statement Copies	$5	Not stated	None
Discharge of Mortgage	$55	per item	None
Lien Release Copy	$5	Not stated	None
Loan Refinancing Fee	$50	Not stated	None

Correct a fee source

Oct 20, 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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