Trailnorth Federal Credit Union

Headquarters: Ticonderoga, New York
Charter: Credit Union
Assets: $179.6M
Fed district: New York
Regulator: NCUA

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

Source: its fee schedule, read Oct 8, 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 8, 2026

How these figures are measured

Call-report figures are for Trailnorth 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.	Trailnorth Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 8, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Trailnorth 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 $215K in Q2 2026, 7.5% above the same quarter a year earlier ($200K).
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.

Overdraft (OD)
Trailnorth Federal Credit Union: $30
Trailnorth Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Trailnorth Federal Credit Union: $30
Trailnorth Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Trailnorth Federal Credit Union: $18
Trailnorth Federal Credit Union: $18
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 8, 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 5.3% from Q3 2025 to Q2 2026, to $215K.

Fee income, Q2 2026

$215K

$227KQ3 2025

$224KQ4 2025

$220KQ1 2026

$215KQ2 2026

Against the median

Trailnorth 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

Trailnorth Federal Credit Union · $180M 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 20 states.

Credit unions only
$176M to $184M in assets
Headquartered in 20 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
Trailnorth Federal Credit Union(this institution)	Ticonderoga, NY	$180M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Achieve Financial Federal Credit Union	Berlin, CT	$176M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Appalachian Community Federal Credit Union	Kingsport, TN	$183M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Arize Federal Credit Union	State College, PA	$176M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Associated Healthcare Federal Credit Union	Woodbury, MN	$176M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Century Federal Credit Union	Saint Louis, MO	$182M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Code Federal Credit Union	Dayton, OH	$176M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Compass Community Federal Credit Union	Eureka, CA	$179M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Cornerstone Federal Credit Union	Freeport, IL	$177M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Diamond Valley Federal Credit Union	Evansville, IN	$179M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Ellafi Federal Credit Union	Middletown, CT	$178M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Greenville Heritage Federal Credit Union	Greenville, SC	$181M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Health Advantage Federal Credit Union	Saginaw, MI	$179M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Heritage South Federal Credit Union	Sylacauga, AL	$184M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Johnsonville Tva Employees Federal Credit Union	Camden, TN	$181M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Lincone Federal Credit Union	Lincoln, NE	$184M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mid Carolina Federal Credit Union	Lugoff, SC	$182M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
N.E.W. Federal Credit Union	Oconto Falls, WI	$178M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Naveo Federal Credit Union	Somerville, MA	$176M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Police Federal Credit Union	Upper Marlboro, MD	$176M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Regional Federal Credit Union	Winfield, IN	$180M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Rio Grande Valley Credit Union	Harlingen, TX	$180M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Southwest Louisiana Federal Credit Union	Lake Charles, LA	$183M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Ufcw Community Federal Credit Union	Wyoming, PA	$181M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Ulster Federal Credit Union	Kingston, NY	$179M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Western Sun Federal Credit Union	Broken Arrow, OK	$181M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

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

The peer median is $5.25 among 10 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 Nov 6, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

Trailnorth Federal Credit…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 6, 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 Trailnorth 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: $215K
vs prior quarter: −$5K−2.3%; from Q1 2026
vs a year earlier: +$15K+7.5%; from Q2 2025
vs start of range: +$8K+3.9%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Trailnorth 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	$215K	−$5K	−2.3%
Q1 2026	$220K	−$4K	−1.8%
Q4 2025	$224K	−$3K	−1.3%
Q3 2025	$227K	+$27K	+13.5%
Q2 2025	$200K	+$4K	+2.0%
Q1 2025	$196K	−$24K	−10.9%
Q4 2024	$220K	+$13K	+6.3%
Q3 2024	$207K	+$10K	+5.1%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Closed Account (if closed within 60 days)$15
Reporting Abandoned Accounts to NY State$10
Account Research/Reconstruction/Reconciliation$20
Returned Mail/Bad Contact (after 1 time)$2

Overdraft & NSF

Courtesy Pay$30
Non-sufficient Funds (NSF) or Uncollected Funds$30
Overdraft Transfer Protection from savings$5

ATM & Card

Card Replacement$5

Wire Transfers

Wire Transfers (Outgoing)$18
Wire Transfers (Incoming)$10
Wire Transfers (International)$40

Check Services

Stop Payment Request$20
Starter Checks (in excess of 4)$1
Collection Item - Member Checks$15

Account Services

Professional Counsel Review/Legal Processing$100

Other Fees

Interim Statement$2
Statement Copies$2

Fee	Amount	Basis	Note
Account Maintenance
Closed Account (if closed within 60 days)	$15	Not stated	None
Reporting Abandoned Accounts to NY State	$10	Not stated	None
Account Research/Reconstruction/Reconciliation	$20	Not stated	None
Returned Mail/Bad Contact (after 1 time)	$2	Not stated	None
Overdraft & NSF
Courtesy Pay	$30	Not stated	None
Non-sufficient Funds (NSF) or Uncollected Funds	$30	Not stated	None
Overdraft Transfer Protection from savings	$5	Not stated	None
ATM & Card
Card Replacement	$5	Not stated	None
Wire Transfers
Wire Transfers (Outgoing)	$18	Not stated	None
Wire Transfers (Incoming)	$10	Not stated	None
Wire Transfers (International)	$40	Not stated	None
Check Services
Stop Payment Request	$20	Not stated	None
Starter Checks (in excess of 4)	$1	Not stated	None
Collection Item - Member Checks	$15	Not stated	None
Account Services
Professional Counsel Review/Legal Processing	$100	Not stated	None
Other Fees
Interim Statement	$2	Not stated	None
Statement Copies	$2	Not stated	None

Correct a fee source

Oct 8, 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

Get an email when Trailnorth Federal Credit Union's wire transfer changes in our data

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