North Towns Federal Credit Union

Headquarters: Clarence, New York
Charter: Credit Union
Assets: $51.7M
Fed district: New York
Regulator: NCUA

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

Source: its fee schedule, read Oct 17, 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 17, 2026

How these figures are measured

Call-report figures are for North Towns 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.	North Towns Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 17, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: North Towns 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 $19K in Q2 2026, 9.5% below the same quarter a year earlier ($21K).
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)
North Towns Federal Credit Union: $30
North Towns Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Compared at $32.50, the middle of its prices
North Towns Federal Credit Union: $30 to $35
North Towns Federal Credit Union: $30 to $35
U.S. median: no median
Wire Transfer (Domestic Out)
North Towns Federal Credit Union: $20
North Towns 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 17, 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 9.5% from Q3 2025 to Q2 2026, to $19K.

Fee income, Q2 2026

$19K

$21KQ3 2025

$21KQ4 2025

$19KQ1 2026

$19KQ2 2026

Against the median

North Towns 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

North Towns Federal Credit Union · $52M 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 18 states.

Credit unions only
$51M to $53M in assets
Headquartered in 18 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
North Towns Federal Credit Union(this institution)	Clarence, NY	$52M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Aeroquip Federal Credit Union	Jackson, MI	$52M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Badger-Globe Federal Credit Union	Neenah, WI	$52M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bar-Cons Federal Credit Union	Columbus, IN	$53M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Breco Federal Credit Union	Baton Rouge, LA	$51M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Brookline Municipal Federal Credit Union	Brookline, MA	$51M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Central Jersey Police & Fire Federal Credit Union	Hamilton, NJ	$52M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Finanta Federal Credit Union	Lancaster, PA	$51M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Firstenergy Choice Federal Credit Union	Greensburg, PA	$52M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Gr Consumers Federal Credit Union	Wyoming, MI	$52M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hastings Federal Credit Union	Hastings, NE	$52M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Lubrizol Employees' Federal Credit Union	Deer Park, TX	$51M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Maroon Financial Federal Credit Union	Chicago, IL	$52M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Mercer County Nj Teachers Federal Credit Union	Hamilton Square, NJ	$52M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Metro Plus Federal Credit Union	Lexington, KY	$51M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Money Federal Credit Union	Syracuse, NY	$51M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
North Memorial Federal Credit Union	Robbinsdale, MN	$51M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Pipefitters-Steamfitters Federal Credit Union	Woodbury, MN	$52M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Southeast Michigan State Employees Federal Credit Union	West Bloomfield, MI	$51M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Telco Federal Credit Union	Tarboro, NC	$51M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Trans Texas Southwest Federal Credit Union	San Angelo, TX	$51M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Truservice Community Federal Credit Union	Little Rock, AR	$53M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tuscaloosa V A Federal Credit Union	Tuscaloosa, AL	$52M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
U.P.S. Employees Federal Credit Union	Ontario, CA	$52M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Vocal Federal Credit Union	Helena, MT	$53M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
West Branch Valley Federal Credit Union	Williamsport, PA	$51M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	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.

Fee type

Peer pricing snapshot

North Towns Federal Credit Union does not publish an out-of-network ATM fee in the index.

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 15, 2026.

Out-of-network ATM fee in dollars, one mark per institution

North Towns Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.

North Towns Federal Credi…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 15, 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 North Towns 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: $19K
vs prior quarter: $00.0%; from Q1 2026
vs a year earlier: −$2K−9.5%; from Q2 2025
vs start of range: −$2K−9.5%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: North Towns 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	$19K	$0	0.0%
Q1 2026	$19K	−$2K	−9.5%
Q4 2025	$21K	$0	0.0%
Q3 2025	$21K	$0	0.0%
Q2 2025	$21K	+$2K	+10.5%
Q1 2025	$19K	−$3K	−13.6%
Q4 2024	$22K	+$1K	+4.8%
Q3 2024	$21K	+$3K	+16.7%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Dormant Account Fee$25
Account Research - Per Hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Debit Card Cash Back Free Returned Mail Fee - Per Item$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Overdraft Fee$30
Non-Sufficient Funds Fee$30
Non-Sufficient Funds Fee - Canadian Check$35
Overdraft Transfer Fee From Shares - Per Transaction$5
per transaction

ATM & Card

VISA Debit Card Replacement$10
VISA Debit Card Priority Rush Order 3-6 days$50
Currency Conversion Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Check Order - Price Varies Based on Style Charge Wire Transfer - Domestic$20
Wire Transfer - International$50

Check Services

Home Banking Free Stop Payment$35
Non Member Check Cashing Fee$10
Canadian Check Deposit$3
Check Copy Fee$5

Account Services

Notary Public Service Free Verification of Deposit Forms$15
Info Subpoena$30

Lending Fees

CD - Early WDL Dividend Penalty - 1 year or less 90 Days VISA Late Payment$25
Not compared: CD/IRA fee

Retirement & IRA

IRA Transfer to another Financial Institution$25

Gift & Prepaid Cards

VISA Gift Card$5
per item

Other Fees

E-Statement Free Statement - Duplicate - Per Each$2.50
per item
Photocopies - Each Copy$0.25
per item
VISA Statement Copy - Duplicate$5
Debit Card Purchases Free Skip-A-Pay Processing Fee$30
Lien Release - Duplicate$10

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$25	Not stated	None
Account Research - Per Hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Debit Card Cash Back Free Returned Mail Fee - Per Item	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Overdraft Fee	$30	Not stated	None
Non-Sufficient Funds Fee	$30	Not stated	None
Non-Sufficient Funds Fee - Canadian Check	$35	Not stated	None
Overdraft Transfer Fee From Shares - Per Transaction	$5	per transaction	None
ATM & Card
VISA Debit Card Replacement	$10	Not stated	None
VISA Debit Card Priority Rush Order 3-6 days	$50	Not stated	None
Currency Conversion Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Check Order - Price Varies Based on Style Charge Wire Transfer - Domestic	$20	Not stated	None
Wire Transfer - International	$50	Not stated	None
Check Services
Home Banking Free Stop Payment	$35	Not stated	None
Non Member Check Cashing Fee	$10	Not stated	None
Canadian Check Deposit	$3	Not stated	None
Check Copy Fee	$5	Not stated	None
Account Services
Notary Public Service Free Verification of Deposit Forms	$15	Not stated	None
Info Subpoena	$30	Not stated	None
Lending Fees
CD - Early WDL Dividend Penalty - 1 year or less 90 Days VISA Late Payment	$25Not compared: CD/IRA fee	Not stated	None
Retirement & IRA
IRA Transfer to another Financial Institution	$25	Not stated	None
Gift & Prepaid Cards
VISA Gift Card	$5	per item	None
Other Fees
E-Statement Free Statement - Duplicate - Per Each	$2.50	per item	None
Photocopies - Each Copy	$0.25	per item	None
VISA Statement Copy - Duplicate	$5	Not stated	None
Debit Card Purchases Free Skip-A-Pay Processing Fee	$30	Not stated	None
Lien Release - Duplicate	$10	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 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.

Fee change alerts

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