Utica District Telephone Employees Federal Credit Union

Headquarters: Utica, New York
Charter: Credit Union
Assets: $40.3M
Fed district: New York
Regulator: NCUA

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

Source: its fee schedule, read Oct 12, 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 12, 2026

How these figures are measured

Call-report figures are for Utica District Telephone Employees 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.	Utica District Telephone Employees Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 12, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Utica District Telephone Employees 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 $7K in Q2 2026, 133% above the same quarter a year earlier ($3K).
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
Utica District Telephone Employees Federal Credit Union: $25
Utica District Telephone Employees Federal Credit Union: $25
U.S. median: no median
Stop Payment
Utica District Telephone Employees Federal Credit Union: $15
Utica District Telephone Employees Federal Credit Union: $15
U.S. median: no median
Cashier's Check
Utica District Telephone Employees Federal Credit Union: $1
Utica District Telephone Employees Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 12, 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 rose 40% from Q3 2025 to Q2 2026, to $7K.

Fee income, Q2 2026

$7K

$5KQ3 2025

$4KQ4 2025

$5KQ1 2026

$7KQ2 2026

Against the median

Utica District Telephone Employees 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

Utica District Telephone Employees Federal Credit Union · $40M 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 21 states.

Credit unions only
$40M to $41M in assets
Headquartered in 21 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
Utica District Telephone Employees Federal Credit Union(this institution)	Utica, NY	$40M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Campus Federal Credit Union	Wichita, KS	$41M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Chaves County School Employees Federal Credit Union	Roswell, NM	$40M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Connection Federal Credit Union	Silverdale, WA	$40M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Credit Union One of Oklahoma	Oklahoma City, OK	$40M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Diablo Valley Federal Credit Union	Concord, CA	$40M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Erie Community Federal Credit Union	Sandusky, OH	$40M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Golden Valley Federal Credit Union	Manteca, CA	$40M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Grand Trunk Battle Creek Emp Federal Credit Union	Battle Creek, MI	$40M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hotel And Travel Industry Federal Credit Union	Honolulu, HI	$40M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Jax Fire Federal Credit Union	Jacksonville, FL	$40M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Keystone Federal Credit Union	Tyler, TX	$40M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
M O Federal Credit Union	Huron, SD	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
M.P.D. Community Federal Credit Union	Nashville, TN	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Manchester Municipal Federal Credit Union	Manchester, CT	$40M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Niagara Regional Federal Credit Union	North Tonawanda, NY	$40M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Patent And Trademark Office Federal Credit Union	Alexandria, VA	$40M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pee Dee Federal Credit Union	Florence, SC	$41M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Planites Federal Credit Union	Chicago, IL	$40M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Public Service Federal Credit Union	Middlesex, NJ	$40M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Red Oak Federal Credit Union	Tuscaloosa, AL	$40M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
San Angelo Federal Credit Union	San Angelo, TX	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Sioux Valley Coop Federal Credit Union	Watertown, SD	$41M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Valex Federal Credit Union	Alexandria, LA	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Visionary Federal Credit Union	Bridgeville, PA	$41M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Westchester Schools' Federal Credit Union	Rye Brook, NY	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(out-of-network atm)

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

Fee type

Peer pricing snapshot

Utica District Telephone Employees Federal Credit Union does not publish an out-of-network ATM fee in the index.

The peer median is $1 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 30, 2026.

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

Utica District Telephone Employees Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.

Utica District Telephone…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 30, 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 Utica District Telephone Employees 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: $7K
vs prior quarter: +$2K+40.0%; from Q1 2026
vs a year earlier: +$4K+133.3%; from Q2 2025
vs start of range: +$2K+40.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Utica District Telephone Employees 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	$7K	+$2K	+40.0%
Q1 2026	$5K	+$1K	+25.0%
Q4 2025	$4K	−$1K	−20.0%
Q3 2025	$5K	+$2K	+66.7%
Q2 2025	$3K	−$2K	−40.0%
Q1 2025	$5K	+$2K	+66.7%
Q4 2024	$3K	−$2K	−40.0%
Q3 2024	$5K	+$1K	+25.0%

Fee-income share against its size cohort

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

Published fee schedule

Amounts from Utica District Telephone Employees Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account (after 1 year of inactivity)$5
per month
Research Fee$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Returned Item (NSF)$25
per item
Overdraft Transfer Fee (NSF)$5
per item

ATM & Card

Debit Card Replacement$10
per item
Expedite Replacement Debit Card$50
per item

Check Services

Teller Checks$1
per item
Money Orders ($1,200 limit)$1
per item
Stop Payment Request$15
per item
Share Draft Copy$5
per item

Digital & Electronic

Bill PayNo charge

Cash & Deposit

Returned Deposited Item$10
per item

Account Services

Notary Public ServiceNo charge
Legal Process Fee$25
per item

Gift & Prepaid Cards

VISA Gift Cards$5
per item

Other Fees

Photocopy$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account (after 1 year of inactivity)	$5	per month	None
Research Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Returned Item (NSF)	$25	per item	None
Overdraft Transfer Fee (NSF)	$5	per item	None
ATM & Card
Debit Card Replacement	$10	per item	None
Expedite Replacement Debit Card	$50	per item	None
Check Services
Teller Checks	$1	per item	None
Money Orders ($1,200 limit)	$1	per item	None
Stop Payment Request	$15	per item	None
Share Draft Copy	$5	per item	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Cash & Deposit
Returned Deposited Item	$10	per item	None
Account Services
Notary Public Service	No charge	Not stated	None
Legal Process Fee	$25	per item	None
Gift & Prepaid Cards
VISA Gift Cards	$5	per item	None
Other Fees
Photocopy	$1Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 12, 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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