Compared with New York
4 of 14
compared fees are above the median.
4 below, 6 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
41st 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; 4 below, 6 about the same
See the feesFee schedule read Oct 5, 2026
Call-report figures are for Spencerport 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. | Spencerport Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 5, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.0% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (41st 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 $36K in Q2 2026, 44% above the same quarter a year earlier ($25K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 14 compared published fees sit above the New York median; 4 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
Wire Transfer (Domestic Out)
Wire Transfer (Domestic In)
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 rose 29% from Q3 2025 to Q2 2026, to $36K. Its share of revenue, 6.0%, is below the 7.2% median for credit unions with under $300M in assets.
$36K
Spencerport 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.
Spencerport Federal Credit Union · $43M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Spencerport Federal Credit Union(this institution) | Spencerport, NY | $43M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| 705 Federal Credit Union | Lafayette, LA | $43M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| B.O.N.D. Community Federal Credit Union | Atlanta, GA | $44M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| B&V Federal Credit Union | Overland Park, KS | $43M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| City-County Employees Federal Credit Union | Clearwater, FL | $42M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Credit Union of Emporia | Emporia, KS | $42M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Epb Employees Federal Credit Union | Chattanooga, TN | $43M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Ft Randall Federal Credit Union | Wagner, SD | $44M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Golden Rule Community Federal Credit Union | Ripon, WI | $43M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| H E A Federal Credit Union | Warner Robins, GA | $43M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Haynes Community Federal Credit Union | Kokomo, IN | $42M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Hope Federal Credit Union | Bridgeport, WV | $43M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Mcpherson Co-Op Federal Credit Union | Mcpherson, KS | $44M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mississippi National Guard Federal Credit Union | Jackson, MS | $43M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northern Kentucky Federal Credit Union | Highland Heights, KY | $43M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Omaha Douglas Federal Credit Union | Omaha, NE | $43M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Parks Heritage Federal Credit Union | Glens Falls, NY | $42M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Port City Federal Credit Union | Muskegon, MI | $42M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sioux Valley Community Federal Credit Union | Sioux City, IA | $44M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Solutions Federal Credit Union | Elmira, NY | $43M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Streator Community Federal Credit Union | Streator, IL | $42M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Travis County Federal Credit Union | Austin, TX | $43M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wea Federal Credit Union | Madison, WI | $43M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| West Metro Schools Federal Credit Union | Hopkins, MN | $44M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wyrope Williamsport Federal Credit Union | S Williamsport, PA | $44M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| York Educational Federal Credit Union | York, PA | $43M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $4.50 among 8 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 27, 2026.
Monthly maintenance fee in dollars, one mark per institution
Spencerport Federal Credit Union does not publish a monthly maintenance 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 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Spencerport 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 | $36K | +$5K | +16.1% |
| Q1 2026 | $31K | +$11K | +55.0% |
| Q4 2025 | $20K | −$8K | −28.6% |
| Q3 2025 | $28K | +$3K | +12.0% |
| Q2 2025 | $25K | +$2K | +8.7% |
| Q1 2025 | $23K | $0 | 0.0% |
| Q4 2024 | $23K | +$3K | +15.0% |
| Q3 2024 | $20K | −$5K | −20.0% |
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, Spencerport 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 Spencerport Federal Credit Union by share.
Amounts from Spencerport Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Below Minimum Balance on Share (per month) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closure Fee | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Fee (per month) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment Fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Paper Statement Fee | $5Above the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Returned Mail from Post Office (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
ATM & Card | |||
| ATM Usage (First 10 transactions each month are free) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer (outgoing) (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (incoming) (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| SFCU Official Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Canadian Check Collection (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of Item Deposited | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Share Draft (if less than 6 months old) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposited/Cashed Check | $25Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Lending Fees | |||
| Consumer Loan Late Fee (after 10 days) | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Real Estate Loan Late Fee (after 10 days) (audience not stated, treated as personal) | 2% | Not stated | None |
| Visa Late Fee (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | 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
Oct 5, 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 Spencerport 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
| Spencerport, NY | 1 |
Largest competitors nearby
Local market: Monroe county, NY, around its headquarters.
| 30 in its local market | Deposit share |
|---|---|
| Manufacturers and Traders Trust Company | 22.5% |
| KeyBank National Association | 16.2% |
| JPMorgan Chase Bank, National Association | 15.5% |
| The Canandaigua National Bank and Trust Company | 12.5% |
| Bank of America, National Association | 8.3% |
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.