Southern Chautauqua Federal Credit Union

Headquarters: Lakewood, New York
Charter: Credit Union
Assets: $163.1M
Fed district: New York
Regulator: NCUA

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

Source: its fee schedule, read Oct 5, 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 5, 2026

How these figures are measured

Call-report figures are for Southern Chautauqua 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.	Southern Chautauqua Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 5, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Southern Chautauqua 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 $317K in Q2 2026, 28% below the same quarter a year earlier ($440K).
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.

Monthly Maintenance
Rebound checking
Southern Chautauqua Federal Credit Union: $7
Southern Chautauqua Federal Credit Union: $7
U.S. median: no median
Overdraft (OD)
Southern Chautauqua Federal Credit Union: $24
Southern Chautauqua Federal Credit Union: $24
U.S. median: no median
NSF / Returned Item
Southern Chautauqua Federal Credit Union: $29
Southern Chautauqua Federal Credit Union: $29
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 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 33% from Q3 2025 to Q2 2026, to $317K.

Fee income, Q2 2026

$317K

$473KQ3 2025

$504KQ4 2025

$448KQ1 2026

$317KQ2 2026

Against the median

Southern Chautauqua 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

Southern Chautauqua Federal Credit Union · $163M 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 15 states.

Credit unions only
$160M to $167M in assets
Headquartered in 15 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
Southern Chautauqua Federal Credit Union(this institution)	Lakewood, NY	$163M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Best Reward Federal Credit Union	Brook Park, OH	$163M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bfg Federal Credit Union	Akron, OH	$160M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Buckeye State Federal Credit Union	Akron, OH	$167M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Communities Of Abilene Federal Credit Union	Abilene, TX	$161M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Community Service Federal Credit Union	Huntsville, TX	$164M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Epic Federal Credit Union	Metairie, LA	$164M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fd Community Federal Credit Union	Waterbury, CT	$163M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Choice Federal Credit Union	West Palm Beach, FL	$161M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Four Points Federal Credit Union	Omaha, NE	$165M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Georgia Heritage Federal Credit Union	Savannah, GA	$163M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hartford Federal Credit Union	Hartford, CT	$160M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hello Federal Credit Union	Panama City, FL	$160M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Jefferson Parish Employees Federal Credit Union	Harahan, LA	$166M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kings Federal Credit Union	Hanford, CA	$162M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Lincoln Maine Federal Credit Union	Lincoln, ME	$163M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Minnesota Power Employees Federal Credit Union	Duluth, MN	$162M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Priority One Credit Union	Sunrise, FL	$162M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Scenic Community Federal Credit Union	Hixson, TN	$164M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Shoreline Federal Credit Union	Two Rivers, WI	$160M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
South Bay Federal Credit Union	Redondo Beach, CA	$161M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Focus Federal Credit Union	Oklahoma City, OK	$163M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Tulare County Federal Credit Union	Tulare, CA	$167M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Utah Heritage Federal Credit Union	Moroni, UT	$167M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Wayne-Westland Federal Credit Union	Westland, MI	$161M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Wymar Federal Credit Union	Geismar, LA	$165M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $0.50 (6.7%) below the median of similar-sized credit unions.

Its published price is $7, against a peer median of $7.50 among 14 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 25, 2026.

Monthly maintenance fee in dollars, one mark per institution

Southern Chautauqua Feder…Peer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 25, 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 Southern Chautauqua 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: $317K
vs prior quarter: −$131K−29.2%; from Q1 2026
vs a year earlier: −$123K−28.0%; from Q2 2025
vs start of range: −$143K−31.1%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Southern Chautauqua 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	$317K	−$131K	−29.2%
Q1 2026	$448K	−$56K	−11.1%
Q4 2025	$504K	+$31K	+6.6%
Q3 2025	$473K	+$33K	+7.5%
Q2 2025	$440K	+$5K	+1.1%
Q1 2025	$435K	+$52K	+13.6%
Q4 2024	$383K	−$77K	−16.7%
Q3 2024	$460K	+$44K	+10.6%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Rebound checking Monthly service charge$7
per month
Dormant account fee (per month after 12 months of no activity)$30
per month
Account reconciliation fee/Research fee (min of 1/hour)$25
Not compared: Charged per hour; comparison unavailable
per hour
Debit card dispute$25
Return statement fee$15

Overdraft & NSF

ACH Overdraft$24
Courtesy pay/Overdraft fee$24
Debit Card Overdraft$24
NSF Fee$29

ATM & Card

Replacement visa debit card$10
Replacement visa debit card pin #$5

Wire Transfers

Wire transfer (domestic/outgoing)$23
Wire Transfer (domestic/incoming)$17
Wire Transfer (International)$77

Check Services

Teller/corporate check drawn on credit union account (first 4 checks/month, free)$1
Stop payment ACH/Personal check/Teller check/Corporate check$22
Copy of member check$5
per item

Digital & Electronic

Internet Bill Pay service feeNo charge

Cash & Deposit

Deposited item returned$36

Account Services

Notary servicesNo charge
Restraining notice/subpoena/levy fee/legal process$100
Legal Process$100
Preparation of subordination agreement$75

Lending Fees

Loan payment late fee$20

Retirement & IRA

IRA custodial feeNo charge

Other Fees

Incoming and outgoing faxNo charge
Statement Copy$10
Not compared: Monthly charge, not per item
per month
Loan application feeNo charge

Fee	Amount	Basis	Note
Account Maintenance
Rebound checking Monthly service charge	$7	per month	None
Dormant account fee (per month after 12 months of no activity)	$30	per month	None
Account reconciliation fee/Research fee (min of 1/hour)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Debit card dispute	$25	Not stated	None
Return statement fee	$15	Not stated	None
Overdraft & NSF
ACH Overdraft	$24	Not stated	None
Courtesy pay/Overdraft fee	$24	Not stated	None
Debit Card Overdraft	$24	Not stated	None
NSF Fee	$29	Not stated	None
ATM & Card
Replacement visa debit card	$10	Not stated	None
Replacement visa debit card pin #	$5	Not stated	None
Wire Transfers
Wire transfer (domestic/outgoing)	$23	Not stated	None
Wire Transfer (domestic/incoming)	$17	Not stated	None
Wire Transfer (International)	$77	Not stated	None
Check Services
Teller/corporate check drawn on credit union account (first 4 checks/month, free)	$1	Not stated	None
Stop payment ACH/Personal check/Teller check/Corporate check	$22	Not stated	None
Copy of member check	$5	per item	None
Digital & Electronic
Internet Bill Pay service fee	No charge	Not stated	None
Cash & Deposit
Deposited item returned	$36	Not stated	None
Account Services
Notary services	No charge	Not stated	None
Restraining notice/subpoena/levy fee/legal process	$100	Not stated	None
Legal Process	$100	Not stated	None
Preparation of subordination agreement	$75	Not stated	None
Lending Fees
Loan payment late fee	$20	Not stated	None
Retirement & IRA
IRA custodial fee	No charge	Not stated	None
Other Fees
Incoming and outgoing fax	No charge	Not stated	None
Statement Copy	$10Not compared: Monthly charge, not per item	per month	None
Loan application fee	No charge	Not stated	None

Correct a fee source

Oct 5, 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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