Niagara'S Choice Federal Credit Union

Headquarters: Niagara Falls, New York
Charter: Credit Union
Assets: $265.4M
Fed district: New York
Regulator: NCUA

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

Source: its fee schedule, read Oct 18, 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 18, 2026

How these figures are measured

Call-report figures are for Niagara'S 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) 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.	Niagara'S Choice Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 18, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Niagara'S Choice 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 $127K in Q2 2026, 4.1% above the same quarter a year earlier ($122K).
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
Niagara'S Choice Federal Credit Union: $25
Niagara'S Choice Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Niagara'S Choice Federal Credit Union: $2
Niagara'S Choice Federal Credit Union: $2
U.S. median: no median
Wire Transfer (Domestic Out)
Niagara'S Choice Federal Credit Union: $20
Niagara'S Choice Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 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 16% from Q3 2025 to Q2 2026, to $127K.

Fee income, Q2 2026

$127K

$151KQ3 2025

$142KQ4 2025

$130KQ1 2026

$127KQ2 2026

Against the median

Niagara'S Choice 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

Niagara'S Choice Federal Credit Union · $265M 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
$258M to $273M 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
Niagara'S Choice Federal Credit Union(this institution)	Niagara Falls, NY	$265M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Auburn University Federal Credit Union	Auburn, AL	$268M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central State Federal Credit Union	Stockton, CA	$258M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Department Of The Interior Federal Credit Union	Washington, DC	$268M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Elevate Federal Credit Union	Brigham City, UT	$260M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Energy Capital Federal Credit Union	Houston, TX	$261M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Filer Federal Credit Union	Manistee, MI	$262M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gerber Federal Credit Union	Fremont, MI	$260M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Gold Coast Federal Credit Union	Palm Springs, FL	$270M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gulf Coast Federal Credit Union	Corpus Christi, TX	$260M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hidden River Federal Credit Union	Pottsville, PA	$259M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Illiana Financial Federal Credit Union	Calumet City, IL	$264M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Landings Federal Credit Union	Tempe, AZ	$263M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Long Beach City Employees Federal Credit Union	Signal Hill, CA	$271M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Midcoast Federal Credit Union	Freeport, ME	$267M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Midwest Community Federal Credit Union	Defiance, OH	$267M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mygeorgia Federal Credit Union	Gainesville, GA	$258M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Central Area Federal Credit Union	Houghton Lake, MI	$272M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
One Federal Credit Union	Springfield, VT	$264M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
People'S Community Federal Credit Union	Vancouver, WA	$269M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Saint Lawrence Federal Credit Union	Ogdensburg, NY	$272M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Service One Federal Credit Union	Bowling Green, KY	$269M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Southwest Heritage Federal Credit Union	Odessa, TX	$261M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Spc Federal Credit Union	Hartsville, SC	$266M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Usx Federal Credit Union	Cranberry Twp, PA	$258M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Weststar Federal Credit Union	Las Vegas, NV	$273M	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

Niagara'S Choice Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $7.50 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 Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Niagara'S Choice Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Niagara'S Choice Federal…Peer (equal prices stack)Peer median

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 Niagara'S Choice 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: $127K
vs prior quarter: −$3K−2.3%; from Q1 2026
vs a year earlier: +$5K+4.1%; from Q2 2025
vs start of range: −$30K−19.1%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Niagara'S Choice 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	$127K	−$3K	−2.3%
Q1 2026	$130K	−$12K	−8.5%
Q4 2025	$142K	−$9K	−6.0%
Q3 2025	$151K	+$29K	+23.8%
Q2 2025	$122K	$0	0.0%
Q1 2025	$122K	−$20K	−14.1%
Q4 2024	$142K	−$15K	−9.6%
Q3 2024	$157K	+$13K	+9.0%

Fee-income share against its size cohort

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

Published fee schedule

Amounts from Niagara'S Choice Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account (No Activity 1 year)$25
Not compared: Quarterly charge, not monthly
per quarter
Account Reconciliation (per hour)$15
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail$2
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Returned Check$25

ATM & Card

Non NCFCU ATM Withdrawals (Over 4 per month)$2
per item
Card Replacement$15
per item
Rush Debit Card (2-Business Days)$45

Wire Transfers

Wire Transfer (Outgoing)$20
Wire Transfer International$50

Check Services

Certified Checks$10
Money Order ($1,500.00 or less)$1
ACH Stop Payment$15
Corporate Check/Money Order Stop Payment$20
per item
Personal Draft Stop Payment (audience not stated, treated as personal)$15
Canadian Check Processing (audience not stated, treated as personal)$25
Check Collection Fee (Domestic or Foreign)$25
Share Draft Photocopy$1

Digital & Electronic

ACH Return Item$25

Cash & Deposit

Deposited Returned Check$20

Account Services

Legal Compliance, Levy, Restraints, Subpoena etc$50
per item

Retirement & IRA

IRA Premature Closing (within 6 months of opening account)$25

Gift & Prepaid Cards

Gift Cards$3.75

Other Fees

Statement Copy$2

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account (No Activity 1 year)	$25Not compared: Quarterly charge, not monthly	per quarter	None
Account Reconciliation (per hour)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail	$2Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Returned Check	$25	Not stated	None
ATM & Card
Non NCFCU ATM Withdrawals (Over 4 per month)	$2	per item	None
Card Replacement	$15	per item	None
Rush Debit Card (2-Business Days)	$45	Not stated	None
Wire Transfers
Wire Transfer (Outgoing)	$20	Not stated	None
Wire Transfer International	$50	Not stated	None
Check Services
Certified Checks	$10	Not stated	None
Money Order ($1,500.00 or less)	$1	Not stated	None
ACH Stop Payment	$15	Not stated	None
Corporate Check/Money Order Stop Payment	$20	per item	None
Personal Draft Stop Payment (audience not stated, treated as personal)	$15	Not stated	None
Canadian Check Processing (audience not stated, treated as personal)	$25	Not stated	None
Check Collection Fee (Domestic or Foreign)	$25	Not stated	None
Share Draft Photocopy	$1	Not stated	None
Digital & Electronic
ACH Return Item	$25	Not stated	None
Cash & Deposit
Deposited Returned Check	$20	Not stated	None
Account Services
Legal Compliance, Levy, Restraints, Subpoena etc	$50	per item	None
Retirement & IRA
IRA Premature Closing (within 6 months of opening account)	$25	Not stated	None
Gift & Prepaid Cards
Gift Cards	$3.75	Not stated	None
Other Fees
Statement Copy	$2	Not stated	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

Oct 18, 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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