Rt Federal Credit Union

Headquarters: Rome, New York
Charter: Credit Union
Assets: $59.2M
Fed district: New York
Regulator: NCUA

Explore Hamilton View published fees

Compared with New York

7 of 16

compared fees are above the median.

4 below, 5 about the same.

About the same: within 1% of the median.

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
16th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 16 compared; 4 below, 5 about the same
See the fees
Fee schedule read Oct 19, 2026

How these figures are measured

Call-report figures are for Rt 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.	Rt Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 19, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Rt 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 2.5% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (16th 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 $17K in Q2 2026, 31% above the same quarter a year earlier ($13K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 16 compared published fees sit above the New York median; 4 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.

Fees against the market

Comparison with New York medians for fees published by banks and credit unions.

Cashier's Check
Rt Federal Credit Union: $2
Rt Federal Credit Union: $2
New York median: $5126 publishNew York district median: $5182 publishU.S. median: $52,586 publish
Overdraft (OD)
Rt Federal Credit Union: $30
Rt Federal Credit Union: $30
New York median: $30101 publishNew York district median: $30145 publishU.S. median: $302,603 publish
NSF / Returned Item
Rt Federal Credit Union: $30
Rt Federal Credit Union: $30
New York median: $30140 publishNew York district median: $30194 publishU.S. median: $302,857 publish

Published schedulesBanks and credit unionsRead Oct 19, 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 42% from Q3 2025 to Q2 2026, to $17K. Its share of revenue, 2.5%, is below the 7.2% median for credit unions with under $300M in assets.

Fee income, Q2 2026

$17K

$12KQ3 2025

$14KQ4 2025

$13KQ1 2026

$17KQ2 2026

Against the median (NY for fees)

Share of revenue2.5% / 7.2%
Overdraft$30 / $30

Rt 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.

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.

Is the lower share a matter of price, waivers, or a different mix of accounts?
Which fees make up most of fee income, and has that mix changed?

See a free sample report

Among its peers

Rt Federal Credit Union · $59M 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.

Credit unions only
$58M to $60M in assets
Headquartered in 17 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
Rt Federal Credit Union(this institution)	Rome, NY	$59M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Access Federal Credit Union	Broadview, IL	$58M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Acclaim Federal Credit Union	Greensboro, NC	$60M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
American Lake Federal Credit Union	Lakewood, WA	$60M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Baton Rouge City Parish Emp Federal Credit Union	Baton Rouge, LA	$58M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Gratiot Community Federal Credit Union	Alma, MI	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Green River Area Federal Credit Union	Owensboro, KY	$60M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Healthnet Federal Credit Union	Cordova, TN	$58M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Horizon Federal Credit Union	Macon, MO	$59M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Horizon Federal Credit Union	Kingsport, TN	$60M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Joplin Metro Federal Credit Union	Joplin, MO	$58M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lm Federal Credit Union	Baltimore, MD	$60M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Loudoun Credit Union	Leesburg, VA	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Metco Federal Credit Union	Cedar Rapids, IA	$59M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mill Town Federal Credit Union	Everett, WA	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Motion Federal Credit Union	Linden, NJ	$60M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
My Federal Credit Union	Haslet, TX	$58M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
New Century Federal Credit Union	Joliet, IL	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Nordstrom Federal Credit Union	Everett, WA	$60M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Notre Dame Community Federal Credit Union	Fall River, MA	$58M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pennstar Federal Credit Union	Hermitage, PA	$59M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Promedica Federal Credit Union	Toledo, OH	$60M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Remington Federal Credit Union	Ilion, NY	$60M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Saratoga'S Community Federal Credit Union	Saratoga Springs, NY	$58M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Select Federal Credit Union	San Antonio, TX	$58M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Summit Federal Credit Union	Akron, OH	$59M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

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

The peer median is $4.06 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 26, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

Rt Federal Credit UnionPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 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 Rt 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: $17K
vs prior quarter: +$4K+30.8%; from Q1 2026
vs a year earlier: +$4K+30.8%; from Q2 2025
vs start of range: +$3K+21.4%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Rt 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	$17K	+$4K	+30.8%
Q1 2026	$13K	−$1K	−7.1%
Q4 2025	$14K	+$2K	+16.7%
Q3 2025	$12K	−$1K	−7.7%
Q2 2025	$13K	+$2K	+18.2%
Q1 2025	$11K	−$2K	−15.4%
Q4 2024	$13K	−$1K	−7.1%
Q3 2024	$14K	$0	0.0%

Fee-income share against its size cohort

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, Rt Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Rt Federal Credit Union: 2.5%
Percentile: 16th
25th percentile: 3.7%
Median: 7.2%
75th percentile: 11%

Rt Federal Credit Union 2.5%Median 7.2%Middle half 3.7% to 11.4%Peers at each share21 above 30%, counted in the last bar

Find a peer (2,932)

The 15 closest to Rt Federal Credit Union by share.

Details

Source: NCUA 5300 call report
Entity: Each credit union, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026), year to date
Measure: Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: Account 131 / (Account 115 + Account 117)

Published fee schedule

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

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Inactive Account Fee (Charged after 1 year of inactivity)$5
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Account Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

ACH Overdraft Fee$30
Inside the U.S. middle 50% ($25 to $33 nationally)
per item
Debit Card Overdraft Fee$30
Inside the U.S. middle 50% ($25 to $33 nationally)
per item
NSF Fee$30
Inside the U.S. middle 50% ($25 to $32 nationally)
per item
Returned Item Fee$30
Inside the U.S. middle 50% ($25 to $32 nationally)
per item

Fee	Amount	Basis	Note
Account Maintenance
Inactive Account Fee (Charged after 1 year of inactivity)	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Account Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
ACH Overdraft Fee	$30Inside the U.S. middle 50% ($25 to $33 nationally)	per item	None
Debit Card Overdraft 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
Returned Item Fee	$30Inside the U.S. middle 50% ($25 to $32 nationally)	per item	None
ATM & Card
Card Replacement Fee	$15Above the U.S. middle 50% ($5 to $10 nationally)	per item	None
Rush Card/PIN Fee	$45Inside the U.S. middle 50% ($30 to $50 nationally)	per item	None
Wire Transfers
Domestic Outgoing Wire Transfer Fee	$25Inside the U.S. middle 50% ($20 to $25 nationally)	per item	None
Wire Transfer Fee (Incoming)	$15Inside the U.S. middle 50% ($5 to $15 nationally)	per item	None
International Outgoing Wire Transfer Fee	$45Inside the U.S. middle 50% ($40 to $50 nationally)	per item	None
Check Services
Teller's Check (If made payable to other than account owner)	$2Below the U.S. middle 50% ($3 to $6 nationally)	per item	None
Money Order	$2Inside the U.S. middle 50% ($2 to $3 nationally)	per item	None
Stop Payment Fee	$15Below the U.S. middle 50% ($20 to $30 nationally)	per item	None
Share Draft Copy	$5Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Teller's Check copy	$5Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Cash & Deposit
Deposited Item Return Fee	$25Inside the U.S. middle 50% ($9 to $25 nationally)	per item	None
Account Services
Key Replacement	$20Not compared: Box drilling or key fee	Not stated	None
Legal Process Fee	$25Below the U.S. middle 50% ($50 to $150 nationally)	per item	None
Gift & Prepaid Cards
VISA Gift Card Fee	$4Inside the U.S. middle 50% ($3 to $4.95 nationally)	per item	None
Other Fees
Statement Copy Fee	$5Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None

Showing 5 of 22 fees.

Correct a fee source

Oct 19, 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.

Branches and public record

Where Rt 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.

This credit unionOther banks and credit unions

Cities with the most offices

Camden, NY	1
Lyons Falls, NY	1
Rome, NY	1

Largest competitors nearby

Local market: Oneida county, NY, around its headquarters.

19 in its local market	Deposit share
Bank of Utica	22.3%
NBT Bank, National Association	15.4%
Manufacturers and Traders Trust Company	14.9%
Beacon Bank and Trust	12.6%
Adirondack Bank	12.5%

Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.

Fee change alerts

Rt Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

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

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Rt Federal Credit Union changes in our data

Rt Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

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

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Rt Federal Credit Union changes in our data