Compared with New York
8 of 13
compared fees are above the median.
3 below, 2 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
35th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 13 compared; 3 below, 2 about the same
See the feesFee schedule read Oct 17, 2026
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) 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. | 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
Fee income was 5.2% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (35th 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 $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.
8 of 13 compared published fees sit above the New York median; 3 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 New York medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
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.
Fee income was about level from Q3 2025 to Q2 2026, at $8K. Its share of revenue, 5.2%, is below the 7.2% median for credit unions with under $300M in assets.
$8K
Circuit 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.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Circuit 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 | $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% |
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, Circuit 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 Circuit Federal Credit Union by share.
Amounts from Circuit Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per item
per item
per item
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 | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Paid NSF Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned NSF Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Nonproprietary ATM withdrawal | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM Debit Card (duplicate) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Domestic Wire Transfer Fee | $40Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Bank Check (third party) | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Fee | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing Fee for Non-Members | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Draft Copies | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Manual Post Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Cash & Deposit | |||
| Deposit Returned | $35Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Lending Fees | |||
| Loan late fee after 5 day grace period | $35Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Lien Release/ Discharge of Mortg | $20Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
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.
Where Circuit 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
| Cheektowaga, NY | 1 |
| Hamburg, NY | 1 |
Largest competitors nearby
Local market: Erie county, NY, around its headquarters.
| 61 in its local market | Deposit share |
|---|---|
| Manufacturers and Traders Trust Company | 66.2% |
| KeyBank National Association | 9.8% |
| HSBC Bank USA, National Association | 5.4% |
| Bank of America, National Association | 4.3% |
| Citizens Bank, National Association | 3.7% |
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.