14 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 5, 2026.
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 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) 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. | 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 $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.
Comparison with U.S. medians for fees published by banks and credit unions.
Non-Network ATM
Wire Transfer (Domestic Out)
Wire Transfer (Domestic In)
A blank median means fewer than 5 publish the fee.
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.
$36K
Spencerport Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
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% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Spencerport Federal Credit Union’s own schedules, with a source for each figure.
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Below Minimum Balance on Share (per month) | $5 | per month | None |
| Early Account Closure Fee | $20 | Not stated | None |
| Dormant Fee (per month) | $5 | per month | None |
| Escheatment Fee | $25 | Not stated | None |
| Paper Statement Fee | $5 | Not stated | None |
| Returned Mail from Post Office (audience not stated, treated as personal) | $5 | Not stated | None |
ATM & Card | |||
| ATM Usage (First 10 transactions each month are free) | $1 | per item | None |
Wire Transfers | |||
| Wire Transfer (outgoing) (audience not stated, treated as personal) | $25 | Not stated | None |
| Wire Transfer (incoming) (audience not stated, treated as personal) | $10 | Not stated | None |
Check Services | |||
| SFCU Official Checks | $5 | Not stated | None |
| Canadian Check Collection (audience not stated, treated as personal) | $10 | Not stated | None |
| Copy of Item Deposited | $5 | Not stated | None |
| Copy of Share Draft (if less than 6 months old) | $2 | Not stated | None |
Cash & Deposit | |||
| Returned Deposited/Cashed Check | $25 | Not stated | None |
Lending Fees | |||
| Consumer Loan Late Fee (after 10 days) | $25 | 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) | $25 | Not stated | None |
Other Fees | |||
| Copy of Statement | $5 | 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.
Fee change alerts
We check once a day and send one email covering every change.