Fees from its schedule are under review and appear here once review is done.
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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
12th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Nov 1, 2026
Call-report figures are for M. C. T. 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 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. | M. C. T. Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 2.0% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (12th 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 $14K in Q2 2026, about level with the same quarter a year earlier ($14K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Call reports for M. C. T. 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 | $14K | $0 | 0.0% |
| Q1 2026 | $14K | $0 | 0.0% |
| Q4 2025 | $14K | −$2K | −12.5% |
| Q3 2025 | $16K | +$2K | +14.3% |
| Q2 2025 | $14K | +$1K | +7.7% |
| Q1 2025 | $13K | $0 | 0.0% |
| Q4 2024 | $13K | $0 | 0.0% |
| Q3 2024 | $13K | $0 | 0.0% |
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, M. C. T. 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 M. C. T. Federal Credit Union by share.
They stay out of every comparison until review is done.
per transaction
per item
per transaction
per month
per month
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
ATM & CardUnder review | |||
| ATM withdrawals (subsequent) (audience not stated, treated as personal) | $1 | per transaction | None |
| Inquiries requested with the ATM/Debit Card have (audience not stated, treated as personal) | $0.75 | Not stated | None |
| Non-Network ATM (audience not stated, treated as personal) | $1 | Not stated | None |
| Non-Network ATM (audience not stated, treated as personal) | $1 | Not stated | None |
| Replace a card (audience not stated, treated as personal) | $10 | per item | None |
Other feesUnder review | |||
| ATM withdrawals (subsequent) (audience not stated, treated as personal) | $1 | per transaction | None |
| ATM withdrawals—the first three are free, each subsequent withdrawal is (audience not stated, treated as personal) | $1 | Not stated | None |
| ATM withdrawals—the first three are free, each subsequent withdrawal is (audience not stated, treated as personal) | $1 | Not stated | None |
| Fixed Charges – ATM/Debit Card (audience not stated, treated as personal) | $1 | per month | None |
| Fixed Charges – There (audience not stated, treated as personal) | $1 | per month | None |
| Fixed Charges – There is a (audience not stated, treated as personal) | $1 | per month | None |
| Inquiries requested with the ATM/Debit Card have (audience not stated, treated as personal) | $0.75 | Not stated | None |
| Inquiries requested with the ATM/Debit Card have a (audience not stated, treated as personal) | $0.75 | Not stated | None |
| Replace a card (audience not stated, treated as personal) | $10 | per item | None |
| There (audience not stated, treated as personal) | $10 | Not stated | None |
| There is a (audience not stated, treated as personal) | $10 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 1, 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 M. C. T. Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Amsterdam, NY | 1 |
Largest competitors nearby
Local market: Montgomery county, NY, around its headquarters.
| 5 in its local market | Deposit share |
|---|---|
| NBT Bank, National Association | 44.2% |
| KeyBank National Association | 33.5% |
| Community Bank, National Association | 12.2% |
| Beacon Bank and Trust | 6.5% |
| TrustCo Bank | 3.5% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows