Compared with New York
1 of 11
compared fees are above the median.
7 below, 3 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
9th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 11 compared; 7 below, 3 about the same
See the feesFee schedule read Feb 17, 2026
Call-report figures are for Chen-Del-O 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. | Chen-Del-O Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Feb 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 1.6% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (9th 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 $9K in Q2 2026, 50% 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.
1 of 11 compared published fees sit above the New York median; 7 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.
Deposited Item Return
NSF / Returned Item
Wire Transfer (Domestic Out)
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 rose 50% from Q3 2025 to Q2 2026, to $9K. Its share of revenue, 1.6%, is below the 7.2% median for credit unions with under $300M in assets.
$9K
Chen-Del-O 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.
Chen-Del-O Federal Credit Union · $35M 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Chen-Del-O Federal Credit Union(this institution) | Franklin, NY | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Alpena Community Federal Credit Union | Alpena, MI | $36M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alpha Federal Credit Union | Boston, MA | $35M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Brazos Star Federal Credit Union | College Station, TX | $36M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Canals & Trails Federal Credit Union | Lockport, IL | $34M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Christiansted Federal Credit Union | Christiansted, VI | $34M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Common Cents Federal Credit Union | Beaumont, TX | $34M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ct Firefighters Federal Credit Union | Hartford, CT | $35M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| ECU Federal Credit Union | Seminole, FL | $34M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| El Monte Community Federal Credit Union | El Monte, CA | $34M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Eweb Employees Federal Credit Union | Eugene, OR | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greater Valley Federal Credit Union | Fresno, CA | $34M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Jessop Community Federal Credit Union | Washington, PA | $34M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Koin Federal Credit Union | Brentwood, TN | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Montana Educators' Federal Credit Union | Missoula, MT | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northwestern Energy Employees Federal Credit Union | Butte, MT | $35M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Nsp Federal Credit Union | Maplewood, MN | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| O And R Utilities Employees Federal Credit Union | Monroe, NY | $35M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Outreach Federal Credit Union | Hermitage, TN | $35M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Postal Employees Federal Credit Union | Yardville, NJ | $36M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Reliance Federal Credit Union | King of Prussia, PA | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Schofield Federal Credit Union | Wahiawa, HI | $34M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Service Plus Federal Credit Union | Moline, IL | $35M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Steuben Citizens Federal Credit Union | Bath, NY | $36M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| U S P L K Employees Federal Credit Union | Leavenworth, KS | $34M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Utility District Federal Credit Union | Oakland, CA | $34M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(out-of-network atm)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1 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.
Out-of-network ATM fee in dollars, one mark per institution
Chen-Del-O Federal Credit Union does not publish an out-of-network atm 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 Chen-Del-O 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 | $9K | +$4K | +80.0% |
| Q1 2026 | $5K | −$1K | −16.7% |
| Q4 2025 | $6K | $0 | 0.0% |
| Q3 2025 | $6K | $0 | 0.0% |
| Q2 2025 | $6K | $0 | 0.0% |
| Q1 2025 | $6K | −$1K | −14.3% |
| Q4 2024 | $7K | $0 | 0.0% |
| Q3 2024 | $7K | +$1K | +16.7% |
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, Chen-Del-O 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 Chen-Del-O Federal Credit Union by share.
Amounts from Chen-Del-O Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month · No activity for 1 year
per item · 1 year or more prior
per hour
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | No activity for 1 year |
| Account History Printout (1+ year prior) | $2Below the U.S. middle 50% ($6 to $25 nationally) | per item | 1 year or more prior |
| Account Reconciliation | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Personal Check, NSF (Each time an item is submitted or resubmitted for payment) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
Wire Transfers | |||
| Domestic Wire Out | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Wire Fee | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| International Wire Out | $30Below the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Stop Payment ACH / Electronics | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Credit Union Check | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Share Draft | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Photocopy of Check | $1.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH NSF Return (Each time an item is submitted or resubmitted for payment) | $30Inside the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Returned Deposit Check | $30Above the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary (non members) | $2Inside the U.S. middle 50% ($0 to $5 nationally) | per item | For non-members only |
Feb 17, 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 Chen-Del-O Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Amherst, NY | 1 |
| Cooperstown, NY | 1 |
| Franklin, NY | 1 |
Largest competitors nearby
Local market: Delaware county, NY, around its headquarters.
| 5 in its local market | Deposit share |
|---|---|
| Wayne Bank | 32.2% |
| The Delaware National Bank of Delhi | 28.3% |
| NBT Bank, National Association | 28.1% |
| Community Bank, National Association | 11.4% |
| Sidney Federal Credit Union | Credit union |
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.