Compared with New York
6 of 14
compared fees are above the median.
6 below, 2 about the same.
About the same: within 1% of the median.
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
17th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 14 compared; 6 below, 2 about the same
See the feesFee schedule read Oct 20, 2026
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) 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. | 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
Fee income was 2.7% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (17th 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 $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.
6 of 14 compared published fees sit above the New York median; 6 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 New York medians for fees published by banks and credit unions.
NSF / Returned Item
Wire Transfer (Domestic Out)
Stop Payment
Compared at $27.50, the middle of its prices
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.
Fee income fell 13% from Q3 2025 to Q2 2026, to $7K. Its share of revenue, 2.7%, is below the 7.2% median for credit unions with under $300M in assets.
$7K
Cadets 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.
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.
| 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.
Peer pricing snapshot
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.
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.
Call reports for Cadets 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 | $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% |
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, Cadets 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 Cadets Federal Credit Union by share.
Amounts from Cadets Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item · Only assessed if account is closed or re-opened within 180 days of being opened
per month
per item · For returned mail - non-notification of address change
per item
per item
per item · Per share draft check
per item
per item
per item
per item
per item
per item · Per computer printout
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure Fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Closure Fee / Account Re-Open Fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | per item | Only assessed if account is closed or re-opened within 180 days of being opened |
| Dormant / Inactive Account Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Automatic Overdraft Transfer from Savings | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfers - Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Stop Payment Fee (Over-the Counter Check) | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Fee (Share Draft Check) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | Per share draft check |
| Check Cashing Fee for Non-Members | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Copies | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Return Fee | $25Inside the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Deposit Item Returned (Return Check Fee) | $25Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Legal Services & Judgments | $50Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
Other Fees | |||
| Account History Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | Per computer printout |
| Statement Copies | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Discharge of Mortgage | $55Above the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Lien Release Copy | $5Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Refinancing Fee | $50Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
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.
Where Cadets Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Buffalo, NY | 1 |
| Elma, NY | 1 |
Largest competitors nearby
Local market: Erie county, NY, around its headquarters.
| 61 in its local market | Deposit share |
|---|---|
| Manufacturers and Traders Trust Company | 66.2% |
| KeyBank National Association | 9.8% |
| HSBC Bank USA, National Association | 5.4% |
| Bank of America, National Association | 4.3% |
| Citizens Bank, National Association | 3.7% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.