I B E W Local 56 Federal Credit Union

Headquarters: Erie, Pennsylvania
Charter: Credit Union
Assets: $10.8M
Fed district: Cleveland
Regulator: NCUA

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 20, 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 20, 2026

How these figures are measured

Call-report figures are for I B E W Local 56 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.	I B E W Local 56 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

Details

Source: NCUA 5300 call report
Entity: I B E W Local 56 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, 33% above the same quarter a year earlier ($6K).
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.

Monthly Maintenance
Compared at $3, the middle of its prices
I B E W Local 56 Federal Credit Union: $2 to $5
I B E W Local 56 Federal Credit Union: $2 to $5
U.S. median: no median
Overdraft (OD)
I B E W Local 56 Federal Credit Union: $20
I B E W Local 56 Federal Credit Union: $20
U.S. median: no median
NSF / Returned Item
I B E W Local 56 Federal Credit Union: $5
I B E W Local 56 Federal Credit Union: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 2026View sources

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.

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).
Pennsylvania: Banks and credit unions headquartered in Pennsylvania that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 fell 11% from Q3 2025 to Q2 2026, to $8K.

Fee income, Q2 2026

$8K

$9KQ3 2025

$7KQ4 2025

$8KQ1 2026

$8KQ2 2026

Against the median

I B E W Local 56 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

I B E W Local 56 Federal Credit Union · $11M in assets

Banks and credit unions in the Erie, PA metro

Banks and credit unions with branches in the Erie, PA metro: the local competitors for deposits and customers. They range from $8M to $609.8B in assets, so compare prices here, not size.

Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).

Banks and credit unions
$8M to $609.8B in assets
Headquartered in 5 states

See the 15 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
I B E W Local 56 Federal Credit Union(this institution)	Erie, PA	$11M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Americo Federal Credit Union	Erie, PA	$90M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Citizens Bank, National Association	Providence, RI	$232.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
CNB Bank	Clearfield, PA	$8.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Erie Federal Credit Union	Erie, PA	$808M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Erie Firefighters Federal Credit Union	Erie, PA	$10M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First National Bank of Pennsylvania	Greenville, PA	$50.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
KeyBank National Association	Cleveland, OH	$188.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Locomotive & Control Employees Federal Credit Union	Erie, PA	$20M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Marquette Savings Bank	Erie, PA	$1.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Northwest Bank	Warren, PA	$17.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Phb Employees Federal Credit Union	Fairview, PA	$8M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
PNC Bank, National Association	Wilmington, DE	$609.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Huntington National Bank	Columbus, OH	$283.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Widget Federal Credit Union	Erie, PA	$480M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Woodforest National Bank	The Woodlands, TX	$9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

15 peers selected · 9 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $4.50 (60%) below the median of local competitors.

Compared at $3, the middle of its three prices, against a peer median of $7.50 among 9 publishing peers.

Its three checking prices are $2, $3 and $5.

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 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

I B E W Local 56 Federal…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Compare local deposit competitors in Hamilton

Source: Bank Fee Index, published fee schedules, as of Oct 29, 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 I B E W Local 56 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: +$2K+33.3%; from Q2 2025
vs start of range: +$1K+14.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: I B E W Local 56 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	+14.3%
Q4 2025	$7K	−$2K	−22.2%
Q3 2025	$9K	+$3K	+50.0%
Q2 2025	$6K	−$2K	−25.0%
Q1 2025	$8K	−$2K	−20.0%
Q4 2024	$10K	+$3K	+42.9%
Q3 2024	$7K	−$2K	−22.2%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from I B E W Local 56 Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee$3
per month
Monthly maintenance fee$5
per month
Monthly Service Charge (If minimum balance of $25 not maintained and the average monthly balance is less than $100)$2
per month
Close New Account Within 90 Days of Opening$5
Escheat Fee (by law, if an account has no activity for three years it is turned over to the state)$75
Inactivity fee (after 10 months)$5
per month
Account Reconciliation Fee$15
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee$15
Not compared: Charged per hour; comparison unavailable
per hour
Share Annual Locating Fee (If statements returned due to bad address)$5
Not compared: Annual charge, not monthly
per year

Overdraft & NSF

Overdraft Fee$20
per item
Re-enter Returned Item Fee$5
per item
Overdraft Protection Transfer Fee$3

ATM & Card

Card Replacement Fee$7
per item

Wire Transfers

Outgoing Domestic Wire Fee$17
per item
Incoming Wire Fee$11
per item
Outgoing Foreign Wire Fee$40
per item

Check Services

Money Order Fee$2
per item
Money Order Stop Payment Fee$10
per item
Stop Payment Fee$15
per item

Digital & Electronic

ACH Returned Item Fee (Maximum of 3 per Posting - $60.00)$20
per item

Cash & Deposit

Deposited Item Returned Fee$15
per item

Retirement & IRA

IRA Share Annual Maintenance Fee$8
per year

Gift & Prepaid Cards

Purchase CU Money VISA Gift Card$2.50
per item
Reload fee$2

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee	$3	per month	None
Monthly maintenance fee	$5	per month	None
Monthly Service Charge (If minimum balance of $25 not maintained and the average monthly balance is less than $100)	$2	per month	None
Close New Account Within 90 Days of Opening	$5	Not stated	None
Escheat Fee (by law, if an account has no activity for three years it is turned over to the state)	$75	Not stated	None
Inactivity fee (after 10 months)	$5	per month	None
Account Reconciliation Fee	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Share Annual Locating Fee (If statements returned due to bad address)	$5Not compared: Annual charge, not monthly	per year	None
Overdraft & NSF
Overdraft Fee	$20	per item	None
Re-enter Returned Item Fee	$5	per item	None
Overdraft Protection Transfer Fee	$3	Not stated	None
ATM & Card
Card Replacement Fee	$7	per item	None
Wire Transfers
Outgoing Domestic Wire Fee	$17	per item	None
Incoming Wire Fee	$11	per item	None
Outgoing Foreign Wire Fee	$40	per item	None
Check Services
Money Order Fee	$2	per item	None
Money Order Stop Payment Fee	$10	per item	None
Stop Payment Fee	$15	per item	None
Digital & Electronic
ACH Returned Item Fee (Maximum of 3 per Posting - $60.00)	$20	per item	None
Cash & Deposit
Deposited Item Returned Fee	$15	per item	None
Retirement & IRA
IRA Share Annual Maintenance Fee	$8	per year	None
Gift & Prepaid Cards
Purchase CU Money VISA Gift Card	$2.50	per item	None
Reload fee	$2	Not stated	None

Correct a fee source

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.

Fee change alerts

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