Compared with New York
2 of 14
compared fees are above the median.
10 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
36th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 14 compared; 10 below, 2 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Special Metals 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. | Special Metals 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 5.4% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (36th 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 $11K in Q2 2026, 31% below the same quarter a year earlier ($16K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 14 compared published fees sit above the New York median; 10 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.
Deposited Item Return
NSF / Returned Item
Wire Transfer (Domestic Out)
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 fell 8.3% from Q3 2025 to Q2 2026, to $11K. Its share of revenue, 5.4%, is below the 7.2% median for credit unions with under $300M in assets.
$11K
Special Metals 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.
Special Metals Federal Credit Union · $22M 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Special Metals Federal Credit Union(this institution) | New Hartford, NY | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| American Pride Federal Credit Union | Altoona, PA | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chelsea Employees Federal Credit Union | Chelsea, MA | $21M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Coopers Cave Federal Credit Union | Glens Falls, NY | $22M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Electrical Workers Local 58 Federal Credit Union | Detroit, MI | $21M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Encentus Federal Credit Union | Tulsa, OK | $21M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Essex County Teachers Federal Credit Union | Bloomfield, NJ | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Express Federal Credit Union | Seattle, WA | $23M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Fayette County School Employees Federal Credit Union | Uniontown, PA | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Glynn County Federal Employees | Brunswick, GA | $23M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ibew/Sj Cascade Federal Credit Union | Salem, OR | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Local 804 Federal Credit Union | Port Washington, NY | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Mclennan County Employees Federal Credit Union | Waco, TX | $22M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mcmurrey Federal Credit Union | Tyler, TX | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Members 1St Federal Credit Union | Brattleboro, VT | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Metro North Federal Credit Union | Jacksonville, FL | $22M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mopac Employees Federal Credit Union | Palestine, TX | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Niagara-Wheatfield Federal Credit Union | Sanborn, NY | $21M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Novo Federal Credit Union | Norco, CA | $21M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| St. Vincent'S Medical Center Federal Credit Union | Bridgeport, CT | $21M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Steel Valley Federal Credit Union | Cleveland, OH | $22M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tandem Federal Credit Union | Warren, MI | $22M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Churches Federal Credit Union | Taylor, MI | $22M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Warren Municipal Federal Credit Union | Warren, MI | $22M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| West Penn P&P Federal Credit Union | Beaver, PA | $23M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wheat State Federal Credit Union | Wichita, KS | $22M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(out-of-network atm)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1.50 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 30, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Special Metals Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Special Metals 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 | $11K | −$7K | −38.9% |
| Q1 2026 | $18K | +$8K | +80.0% |
| Q4 2025 | $10K | −$2K | −16.7% |
| Q3 2025 | $12K | −$4K | −25.0% |
| Q2 2025 | $16K | −$1K | −5.9% |
| Q1 2025 | $17K | +$2K | +13.3% |
| Q4 2024 | $15K | +$5K | +50.0% |
| Q3 2024 | $10K | +$4K | +66.7% |
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, Special Metals 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 Special Metals Federal Credit Union by share.
Amounts from Special Metals Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive Account Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Address Change - Failure to notify | $1Below the U.S. middle 50% ($7 to $25 nationally) | per item | None |
Overdraft & NSF | |||
| NSF ACH | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF Share Draft | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| VISA Card Replacement (Lost or Stolen) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
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 Special Metals 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
| New Hartford, NY | 1 |
Largest competitors nearby
Local market: Oneida county, NY, around its headquarters.
| 19 in its local market | Deposit share |
|---|---|
| Bank of Utica | 22.3% |
| NBT Bank, National Association | 15.4% |
| Manufacturers and Traders Trust Company | 14.9% |
| Beacon Bank and Trust | 12.6% |
| Adirondack Bank | 12.5% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts