Compared with New York
7 of 16
compared fees are above the median.
8 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
15th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 16 compared; 8 below, 1 about the same
See the feesFee schedule read Mar 17, 2026
Call-report figures are for Morton Lane 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. | Morton Lane Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Mar 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 2.4% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (15th 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 $20K in Q2 2026, 11% above the same quarter a year earlier ($18K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 16 compared published fees sit above the New York median; 8 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
Compared at $1, the middle of its prices
Monthly Maintenance
Overdraft (OD)
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 5.3% from Q3 2025 to Q2 2026, to $20K. Its share of revenue, 2.4%, is below the 7.2% median for credit unions with under $300M in assets.
$20K
Morton Lane 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. *Non-network ATM: Listed at $0.75 to $1; we compare the midpoint.
Morton Lane Federal Credit Union · $63M 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 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Morton Lane Federal Credit Union(this institution) | Buffalo, NY | $63M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Acme Continental Federal Credit Union | Riverdale, IL | $62M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Atlantic City Electric Co Emp Federal Credit Union | Mays Landing, NJ | $63M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bopti Federal Credit Union | San Pedro, CA | $63M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| C C S E Federal Credit Union | Salamanca, NY | $61M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Calcasieu Teachers And Employees Federal Credit Union | Lake Charles, LA | $63M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cranberry Federal Credit Union | West Wareham, MA | $63M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Doches Federal Credit Union | Nacogdoches, TX | $65M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Five Star Of Maryland Federal Credit Union | Baltimore, MD | $63M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Fort Billings Federal Credit Union | Paulsboro, NJ | $64M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Healthcare Financial Federal Credit Union | New Haven, CT | $64M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| La Joya Area Federal Credit Union | La Joya, TX | $62M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lincoln Park Community Federal Credit Union | Lincoln Park, MI | $63M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Members Preferred Federal Credit Union | Idaho Falls, ID | $63M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mohave Community Federal Credit Union | Kingman, AZ | $61M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Morrisons Cove 1St Federal Credit Union | Roaring Spring, PA | $62M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Panhandle Federal Credit Union | Wellington, KS | $62M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Perfect Circle Federal Credit Union | Hagerstown, IN | $63M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rimrock Federal Credit Union | Billings, MT | $64M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| River Valley Community Federal Credit Union | Camden, AR | $64M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rolling F Federal Credit Union | Turlock, CA | $64M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| San Juan Mountains Federal Credit Union | Montrose, CO | $61M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| South Bend Firefighters Federal Credit Union | South Bend, IN | $64M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Bridgeway Federal Credit Union | Phenix City, AL | $62M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Topmark Federal Credit Union | Cridersville, OH | $63M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| University Of Louisiana Federal Credit Union | Lafayette, LA | $61M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $0, against a peer median of $5 among 9 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 31, 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.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Morton Lane 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 | $20K | +$3K | +17.6% |
| Q1 2026 | $17K | −$3K | −15.0% |
| Q4 2025 | $20K | +$1K | +5.3% |
| Q3 2025 | $19K | +$1K | +5.6% |
| Q2 2025 | $18K | +$1K | +5.9% |
| Q1 2025 | $17K | −$2K | −10.5% |
| Q4 2024 | $19K | −$5K | −20.8% |
| Q3 2024 | $24K | +$1K | +4.3% |
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, Morton Lane 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 Morton Lane Federal Credit Union by share.
Amounts from Morton Lane Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per quarter
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Accounts - Inactive for Over 24 Months Fee/Month | $20Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Checkbook Balancing Per Half Hour | $25Inside the U.S. middle 50% ($6.44 to $25 nationally) | Not stated | None |
| Bad Address / No Contact / Return Mail | $15Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay | $21Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| ATM Card Non-Sufficient Funds | $21Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| DEBIT Card Non-Sufficient Funds | $21Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Home Banking Non-Sufficient Funds | $21Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Return Draft/ NSF Fee | $21Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Balance Inquiries | $0.75Below the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Cash Withdrawals | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Transfers | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement of Visa ATM-DEBIT-CREDIT Card | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited Replacement of Visa ATM/Debit Card | $25Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire (Domestic Only) | $35Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire (Domestic Only) + More | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Stop Payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment on A Withdrawal Check | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Photo Copy of Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Stop Return | $20Inside the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Return Item | $20Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Garnishment/Levy | $25Below the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
Other Fees | |||
| Quarterly Statement Copy | $5Not compared: Quarterly charge, not per item | per quarter | None |
Mar 17, 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 Morton Lane Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Buffalo, NY | 5 |
Largest competitors nearby
Local market: Erie county, NY, around its headquarters.
| 61 in its local market | Deposit share |
|---|---|
| Manufacturers and Traders Trust Company | 66.2% |
| KeyBank National Association | 9.8% |
| HSBC Bank USA, National Association | 5.4% |
| Bank of America, National Association | 4.3% |
| Citizens Bank, National Association | 3.7% |
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.