Compared with Pennsylvania
5 of 17
compared fees are above the median.
8 below, 4 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
64th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Pennsylvania median
of 17 compared; 8 below, 4 about the same
See the feesFee schedule read Oct 22, 2026
Call-report figures are for Armstrong Associates 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 Pennsylvania median | Published fees above the Pennsylvania median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Armstrong Associates Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 22, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.4% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (64th 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 $98K in Q2 2026, 7.7% above the same quarter a year earlier ($91K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 17 compared published fees sit above the Pennsylvania median; 8 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 Pennsylvania medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $1.25, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 6.7% from Q3 2025 to Q2 2026, to $98K. Its share of revenue, 9.4%, is above the 7.2% median for credit unions with under $300M in assets.
$98K
Armstrong Associates 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.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $0.50 to $2; we compare the midpoint.
Armstrong Associates Federal Credit Union · $82M 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Armstrong Associates Federal Credit Union(this institution) | Ford City, PA | $82M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 1St Mississippi Federal Credit Union | Meridian, MS | $83M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Baylor Health Care System Federal Credit Union | Dallas, TX | $81M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| California Community Federal Credit Union | Sacramento, CA | $83M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Dynamic Federal Credit Union | Celina, OH | $83M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Fannin Federal Credit Union | Bonham, TX | $81M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Forrit Federal Credit Union | Clackamas, OR | $82M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Great Meadow Federal Credit Union | Hudson Falls, NY | $84M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kemba Indianapolis Federal Credit Union | Indianapolis, IN | $82M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Lake Huron Federal Credit Union | Saginaw, MI | $82M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Limestone Financial Federal Credit Union | Manistique, MI | $83M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Metro Medical Federal Credit Union | Dallas, TX | $83M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Muskegon Federal Credit Union | Muskegon, MI | $81M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Nikkei Federal Credit Union | Gardena, CA | $82M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ou Federal Credit Union | Norman, OK | $83M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pittsburgh Firefighters' Federal Credit Union | Pittsburgh, PA | $81M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Primesource Federal Credit Union | Spokane, WA | $84M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Revity Federal Credit Union | Greensboro, NC | $83M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Rva Financial Federal Credit Union | Richmond, VA | $83M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| State Police Credit Union Inc. | Meriden, CT | $84M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Technicolor Federal Credit Union | Burbank, CA | $83M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Timberline Federal Credit Union | Crossett, AR | $80M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Triboro Postal Federal Credit Union | Flushing, NY | $84M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Uark Federal Credit Union | Fayetteville, AR | $82M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Valley Oak Federal Credit Union | Three Rivers, CA | $82M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Westport Federal Credit Union | Westport, MA | $82M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ 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.
Peer pricing snapshot
The peer median is $4 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 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Armstrong Associates Federal Credit Union does not publish a monthly maintenance 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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Armstrong Associates 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 | $98K | −$13K | −11.7% |
| Q1 2026 | $111K | +$11K | +11.0% |
| Q4 2025 | $100K | −$5K | −4.8% |
| Q3 2025 | $105K | +$14K | +15.4% |
| Q2 2025 | $91K | +$3K | +3.4% |
| Q1 2025 | $88K | $0 | 0.0% |
| Q4 2024 | $88K | −$3K | −3.3% |
| Q3 2024 | $91K | +$4K | +4.6% |
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, Armstrong Associates 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 Armstrong Associates Federal Credit Union by share.
Amounts from Armstrong Associates Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per hour · Account Research Fee | $20.00 per hour
per statement · Return Statement Fee | $25.00 per statement
per item
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Escheat Fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Account Research Fee | $20Not compared: Charged per hour; comparison unavailable | per hour | Account Research Fee | $20.00 per hour |
| Return Statement Fee | $25Not compared: Charged per statement; comparison unavailable | per statement | Return Statement Fee | $25.00 per statement |
Overdraft & NSF | |||
| Overdraft Privilege Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer Fee | $7.50Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Surcharge (Foreign Transactions Only) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM Transaction Fee: First ten (10) transactions free | $0.50Below the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Card Replacement Fee (Credit or Debit, Limit 2/Year) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer (Outgoing) Fee | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer (Incoming) Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Official Check Fee | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Official Check Stale Date Fee | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order Fee | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment (ACH Item) Fee | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment (CU Official Check) Fee | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Return Check Fee | $27Above the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
| Return Check/Return Deposit Fee | $30Above the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Garnishment/Writ/Levy Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Subordination (Gas & Oil) | $50Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
Lending Fees | |||
| Late Payment Fee | $22Inside the U.S. middle 50% ($15 to $25 nationally) | per item | None |
| Home Equity Appraisal (for loans less than $10,000) | $150Inside the U.S. middle 50% ($125 to $468.75 nationally) | Not stated | None |
Other Fees | |||
| Photo Copy Fee | $0.10Not compared: Charged per page; comparison unavailable | per page | Photo Copy Fee | $0.10 per page |
| Photocopy Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copy Fee | $3Not compared: Monthly charge, not per item | per month | None |
Oct 22, 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 Armstrong Associates 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
| Ford City, PA | 2 |
| Kittanning, PA | 1 |
Largest competitors nearby
Local market: Armstrong county, PA, around its headquarters.
| 11 in its local market | Deposit share |
|---|---|
| NEXTIER BANK, NATIONAL ASSOCIATION | 41.3% |
| Elderton State Bank | 18.7% |
| Citizens Bank, National Association | 14.3% |
| S&T Bank | 8.2% |
| Apollo Trust Company | 4.9% |
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.