Compared with Pennsylvania
1 of 16
compared fees are above the median.
14 below, 1 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
39th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Pennsylvania median
of 16 compared; 14 below, 1 about the same
See the feesFee schedule read Oct 20, 2026
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) 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. | 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
Fee income was 5.8% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (39th 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, 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.
1 of 16 compared published fees sit above the Pennsylvania median; 14 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.
NSF / Returned Item
Monthly Maintenance
Compared at $3, the middle of its prices
Overdraft (OD)
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 fell 11% from Q3 2025 to Q2 2026, to $8K. Its share of revenue, 5.8%, is below the 7.2% median for credit unions with under $300M in assets.
$8K
I B E W Local 56 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. *Monthly maintenance: Listed at $2 to $5; we compare the midpoint.
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).
| 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.
Peer pricing snapshot
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
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Oct 29, 2026. Total assets from FDIC and NCUA records.
Call reports for I B E W Local 56 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 | +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% |
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, I B E W Local 56 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 I B E W Local 56 Federal Credit Union by share.
Amounts from I B E W Local 56 Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per hour
per hour
per year
per item
per item
per item
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge (If minimum balance of $25 not maintained and the average monthly balance is less than $100) | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Close New Account Within 90 Days of Opening | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheat Fee (by law, if an account has no activity for three years it is turned over to the state) | $75Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactivity fee (after 10 months) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $20Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Re-enter Returned Item Fee | $5Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Protection Transfer Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Card Replacement Fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Domestic Wire Fee | $17Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Wire Fee | $11Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Outgoing Foreign Wire Fee | $40Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Money Order Fee | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Money Order Stop Payment Fee | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Digital & Electronic | |||
| ACH Returned Item Fee (Maximum of 3 per Posting - $60.00) | $20Inside the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Item Returned Fee | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Retirement & IRA | |||
| IRA Share Annual Maintenance Fee | $8Below the U.S. middle 50% ($10 to $25 nationally) | per year | None |
Gift & Prepaid Cards | |||
| Purchase CU Money VISA Gift Card | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
| Reload fee | $2Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
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 I B E W Local 56 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.