Compared with Pennsylvania
2 of 15
compared fees are above the median.
5 below, 8 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
34th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Pennsylvania median
of 15 compared; 5 below, 8 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for First Choice 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. | First Choice Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.0% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (34th 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 $81K in Q2 2026, 27% above the same quarter a year earlier ($64K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 15 compared published fees sit above the Pennsylvania median; 5 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.
Wire Transfer (Domestic In)
Overdraft (OD)
Wire Transfer (Domestic Out)
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 rose 29% from Q3 2025 to Q2 2026, to $81K. Its share of revenue, 5.0%, is below the 7.2% median for credit unions with under $300M in assets.
$81K
First Choice 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.
First Choice Federal Credit Union · $95M 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 21 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Choice Federal Credit Union(this institution) | New Castle, PA | $95M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chicago Firefighter'S Federal Credit Union | Chicago, IL | $93M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Christian Family Federal Credit Union | North Canton, OH | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coastal Community Federal Credit Union | Galveston, TX | $93M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Dakota Plains Federal Credit Union | Edgeley, ND | $93M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Family Advantage Federal Credit Union | Spring Hill, TN | $93M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ferguson Federal Credit Union | Monticello, MS | $94M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Class Community Federal Credit Union | West Des Moines, IA | $96M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Formation Federal Credit Union | Baton Rouge, LA | $93M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Freedom United Federal Credit Union | Rochester, PA | $94M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Independent Federal Credit Union | Anderson, IN | $94M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Irco Community Federal Credit Union | Phillipsburg, NJ | $94M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Lower Columbia Longshoremen Federal Credit Union | Longview, WA | $96M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lufthansa Emp. Federal Credit Union | Westbury, NY | $95M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mckesson & Healthcare Providers Federal Credit Union | Martinez, CA | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Choice Wv Federal Credit Union | Charleston, WV | $94M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northwoods Community Federal Credit Union | Park Falls, WI | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Postal & Community Federal Credit Union | Saint Joseph, MO | $95M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Progressions Federal Credit Union | Spokane, WA | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sheboygan Area Federal Credit Union | Sheboygan, WI | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Torrington Municipal And Teachers Federal Credit Union | Torrington, CT | $94M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Transit Employees Federal Credit Union | Greenbelt, MD | $93M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Traverse Catholic Federal Credit Union | Traverse City, MI | $92M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Upward Federal Credit Union | Burlingame, CA | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Washington County Teachers Federal Credit Union | Hagerstown, MD | $96M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wnc Community Credit Union | Waynesville, NC | $96M | Monthly maintenance not published | Out-of-network ATM not published | 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 $7.50 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 27, 2026.
Monthly maintenance fee in dollars, one mark per institution
First Choice 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 27, 2026. Total assets from FDIC and NCUA records.
Call reports for First Choice 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 | $81K | +$15K | +22.7% |
| Q1 2026 | $66K | −$7K | −9.6% |
| Q4 2025 | $73K | +$10K | +15.9% |
| Q3 2025 | $63K | −$1K | −1.6% |
| Q2 2025 | $64K | +$7K | +12.3% |
| Q1 2025 | $57K | −$14K | −19.7% |
| Q4 2024 | $71K | +$10K | +16.4% |
| Q3 2024 | $61K | −$10K | −14.1% |
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, First Choice 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 First Choice Federal Credit Union by share.
Amounts from First Choice Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Account Reconciliation/Research | $10.00/hr
per image · Share Draft Copy | $5.00/image
per page · Statement Reproduction | $1.00/page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Member Closeout (<6 months) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactivity Fee (Dormant for 12 months) | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation/Research | $10Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation/Research | $10.00/hr |
| Undeliverable Statement (need new address) | $3Below the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
| Undeliverable Statement (No new address) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Protection Engaged (up to $500) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
ATM & Card | |||
| Lost Debit / MAC Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire (Domestic) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Certified Checks (after first 3 free/mo.) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing Service Only | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Share Draft Copy | $5Not compared: Charged per image; comparison unavailable | per image | Share Draft Copy | $5.00/image |
Digital & Electronic | |||
| NSF ACH / ATM Return | $30Inside the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
| Bill Pay Inactivity Fee (after 90 days of no sch. payments) | $2Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Lending Fees | |||
| Visa Credit Card late payment | $15Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Reload Visa Travel Card | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Visa Gift Card | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Visa Reloadable Travel Card | $5.95Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Statement Reproduction | $1Not compared: Charged per page; comparison unavailable | per page | Statement Reproduction | $1.00/page |
Oct 31, 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 First Choice Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| New Castle, PA | 4 |
| Youngstown, OH | 1 |
Largest competitors nearby
Local market: Lawrence county, PA, around its headquarters.
| 11 in its local market | Deposit share |
|---|---|
| First National Bank of Pennsylvania | 32.2% |
| The Huntington National Bank | 24.8% |
| PNC Bank, National Association | 14.6% |
| WesBanco Bank, Inc. | 13.6% |
| First Commonwealth Bank | 12.2% |
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.