Compared with Pennsylvania
5 of 20
compared fees are above the median.
10 below, 5 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
26th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Pennsylvania median
of 20 compared; 10 below, 5 about the same
See the feesFee schedule read Oct 20, 2026
Call-report figures are for Americo 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. | Americo Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 20, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 3.8% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (26th 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 $45K in Q2 2026, 2.2% below the same quarter a year earlier ($46K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 20 compared published fees sit above the Pennsylvania median; 10 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
Overdraft (OD)
NSF / Returned Item
Compared at $28, the middle of its prices
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 was about level from Q3 2025 to Q2 2026, at $45K. Its share of revenue, 3.8%, is below the 7.2% median for credit unions with under $300M in assets.
$45K
Americo 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.
Americo Federal Credit Union · $90M 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 |
|---|---|---|---|---|---|---|---|
| Americo Federal Credit Union(this institution) | Erie, PA | $90M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| County Schools Federal Credit Union | Ventura, CA | $91M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Daniels-Sheridan Federal Credit Union | Scobey, MT | $92M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Dc Federal Credit Union | Washington, DC | $89M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Evansville Federal Credit Union | Evansville, IN | $90M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Goetz Federal Credit Union | St Joseph, MO | $90M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Good Neighbors Federal Credit Union | Depew, NY | $92M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jefferson Credit Union | Hoover, AL | $91M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lampco Federal Credit Union | Anderson, IN | $90M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Marshfield Medical Center Federal Credit Union | Marshfield, WI | $91M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Members Source Federal Credit Union | Merrillville, IN | $92M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Multi-States Federal Credit Union | Springfield, MO | $91M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| My Pensacola Federal Credit Union | Pensacola, FL | $89M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| New South Credit Union | Knoxville, TN | $90M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ravalli County Federal Credit Union | Hamilton, MT | $89M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Shelby County Federal Credit Union | Memphis, TN | $92M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Snocope Federal Credit Union | Everett, WA | $89M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southland Federal Credit Union | Lufkin, TX | $89M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| St. Thomas Federal Credit Union | Charlotte Amalie, VI | $90M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sunset Science Park Federal Credit Union | Portland, OR | $92M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Taylor Federal Credit Union | Medford, WI | $89M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| The Credit Union For All | Bloomington, IL | $90M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Vision One Federal Credit Union | Sacramento, CA | $92M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Welcome Federal Credit Union | Morrisville, NC | $92M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Wellspring Federal Credit Union | Bridge City, TX | $92M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Wexford Community Federal Credit Union | Cadillac, MI | $89M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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.
Peer pricing snapshot
Compared at $1, the middle of its two prices, against a peer median of $1 among 14 publishing peers.
Its two prices are $1 and $1.
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 31, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Against this institution's out-of-network atm fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Americo 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 | $45K | +$4K | +9.8% |
| Q1 2026 | $41K | −$4K | −8.9% |
| Q4 2025 | $45K | $0 | 0.0% |
| Q3 2025 | $45K | −$1K | −2.2% |
| Q2 2025 | $46K | +$4K | +9.5% |
| Q1 2025 | $42K | −$9K | −17.6% |
| Q4 2024 | $51K | +$5K | +10.9% |
| Q3 2024 | $46K | +$2K | +4.5% |
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, Americo 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 Americo Federal Credit Union by share.
Amounts from Americo Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per hour
per item
per item
per item
per item
per item
per item
per item
per item
per month
per item
per item
per statement · Copy of statement | $3.00 / statement
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactivity Fee | $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 | $28Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Courtesy Pay | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft | $28Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Recurring Debit Overdraft | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Mastercard Return Payment | $28Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Online Banking: Stop Payment Return Items | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Return item | $28Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Inquiry | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM Withdrawal/transfer | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Card Rush | $50Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Check Services | |||
| Official Checks | $2.50Below 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 |
| Money Order stop payment | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Non-member check cashing | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Canadian check processing | $35Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of Paid Share Draft | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Payer | $5.75Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Deposited item return | $28Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Court order / legal / tax levy | $35Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Account verification processing | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late payment fee (after 10 days) | $15Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Account Closure | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
| IRA Account Outgoing Transfer | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Gift & Prepaid Cards | |||
| VISA Gift Card | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Copy of statement | $3Not compared: Charged per statement; comparison unavailable | per statement | Copy of statement | $3.00 / statement |
Oct 20, 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 Americo Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Erie, PA | 2 |
Largest competitors nearby
Local market: Erie county, PA, around its headquarters.
| 24 in its local market | Deposit share |
|---|---|
| PNC Bank, National Association | 30.5% |
| First National Bank of Pennsylvania | 18.8% |
| Northwest Bank | 16.5% |
| CNB Bank | 12.4% |
| Marquette Savings Bank | 11.3% |
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.