Circuit Federal Credit Union

Headquarters: Cheektowaga, New York
Charter: Credit Union
Assets: $11.5M
Fed district: New York
Regulator: NCUA

13 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 Circuit 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.	Circuit 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: Circuit 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 $8K in Q2 2026, about level with the same quarter a year earlier ($8K).
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)
Circuit Federal Credit Union: $35
Circuit Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Circuit Federal Credit Union: $35
Circuit Federal Credit Union: $35
U.S. median: no median
Non-Network ATM
Circuit Federal Credit Union: $1
Circuit 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 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 was about level from Q3 2025 to Q2 2026, at $8K.

Fee income, Q2 2026

$8K

$8KQ3 2025

$9KQ4 2025

$8KQ1 2026

$8KQ2 2026

Against the median

Circuit 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

Circuit Federal Credit Union · $11M 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 15 states.

Credit unions only
$11M to $12M in assets
Headquartered in 15 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
Circuit Federal Credit Union(this institution)	Cheektowaga, NY	$11M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Ben E Keith Company Employees Federal Credit Union	Fort Worth, TX	$12M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bradford Area Federal Credit Union	Bradford, PA	$11M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Espeeco Federal Credit Union	Bakersfield, CA	$12M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Gesb Sheet Metal Workers Federal Credit Union	Portage, IN	$12M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
I B E W Local 56 Federal Credit Union	Erie, PA	$11M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
I.B.E.W. Lu 66 Federal Credit Union	Pasadena, TX	$12M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Joliet Municipal Employees Federal Credit Union	joliet, IL	$11M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
K.C. Area Federal Credit Union	Kansas City, MO	$11M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Maternity B.V.M. Federal Credit Union	Bourbonnais, IL	$11M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Middletown Area Schools Federal Credit Union	Middletown, OH	$11M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
North Carolina Press Association Federal Credit Union	Raleigh, NC	$12M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Northwest Missouri Regional Federal Credit Union	Maryville, MO	$11M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
P.I.E. Federal Credit Union	Houston, TX	$12M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Pba Federal Credit Union	Pine Bluff, AR	$11M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Pittsburgh Federal Credit Union	Pittsburgh, PA	$12M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Provident Federal Credit Union	Dover, DE	$12M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Sing Sing Employees Federal Credit Union	Briarcliff Manor, NY	$11M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Sorg Bay West Federal Credit Union	Middletown, OH	$12M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Star Tech Federal Credit Union	Greenwood Village, CO	$11M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tompkins Employees Federal Credit Union	Ithaca, NY	$12M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Tuskegee Federal Credit Union	Tuskegee, AL	$11M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Vatat Federal Credit Union	Austin, TX	$11M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Vickswood Federal Credit Union	Vicksburg, MS	$11M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Wakefern Federal Credit Union	Elizabeth, NJ	$12M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Whitewater Community Federal Credit Union	harrison, OH	$11M	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 · 13 publish this fee(domestic wire)

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

Fee type

Peer pricing snapshot

Domestic wire is $20 (100%) above the median of similar-sized credit unions.

Its published price is $40, against a peer median of $20 among 13 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 31, 2026.

Domestic wire fee in dollars, one mark per institution

Circuit Federal Credit Un…Peer (equal prices stack)Peer median

Against this institution's domestic wire 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.

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 Circuit 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: $8K
vs prior quarter: $00.0%; from Q1 2026
vs a year earlier: $00.0%; from Q2 2025
vs start of range: −$2K−20.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Circuit 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	$8K	$0	0.0%
Q1 2026	$8K	−$1K	−11.1%
Q4 2025	$9K	+$1K	+12.5%
Q3 2025	$8K	$0	0.0%
Q2 2025	$8K	+$2K	+33.3%
Q1 2025	$6K	−$3K	−33.3%
Q4 2024	$9K	−$1K	−10.0%
Q3 2024	$10K	+$2K	+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 Circuit Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Returned Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay Fee$35
per item
Paid NSF Fee$35
per item
Returned NSF Fee$35
per item

ATM & Card

Nonproprietary ATM withdrawal$1
per item
ATM Debit Card (duplicate)$10
per item

Wire Transfers

Domestic Wire Transfer Fee$40
per item

Check Services

Bank Check (third party)$2
per item
Stop Payment Fee$35
per item
Check Cashing Fee for Non-Members$10
per item
Draft Copies$5
per item

Digital & Electronic

ACH Manual Post Fee$5
per item

Cash & Deposit

Deposit Returned$35
per item

Lending Fees

Loan late fee after 5 day grace period$35

Other Fees

Duplicate Lien Release/ Discharge of Mortg$20
per item

Fee	Amount	Basis	Note
Account Maintenance
Returned Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay Fee	$35	per item	None
Paid NSF Fee	$35	per item	None
Returned NSF Fee	$35	per item	None
ATM & Card
Nonproprietary ATM withdrawal	$1	per item	None
ATM Debit Card (duplicate)	$10	per item	None
Wire Transfers
Domestic Wire Transfer Fee	$40	per item	None
Check Services
Bank Check (third party)	$2	per item	None
Stop Payment Fee	$35	per item	None
Check Cashing Fee for Non-Members	$10	per item	None
Draft Copies	$5	per item	None
Digital & Electronic
ACH Manual Post Fee	$5	per item	None
Cash & Deposit
Deposit Returned	$35	per item	None
Lending Fees
Loan late fee after 5 day grace period	$35	Not stated	None
Other Fees
Duplicate Lien Release/ Discharge of Mortg	$20	per item	None

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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