Suma Federal Credit Union

Headquarters: Yonkers, New York
Charter: Credit Union
Assets: $468.3M
Fed district: New York
Regulator: NCUA

14 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 1, 2026.

Overview

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 Nov 1, 2026

How these figures are measured

Call-report figures are for Suma 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.	Suma 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

Details

Source: NCUA 5300 call report
Entity: Suma Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $287K in Q2 2026, 28% above the same quarter a year earlier ($224K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
Suma Federal Credit Union: $20
Suma Federal Credit Union: $20
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $35, the middle of its prices
Suma Federal Credit Union: $20 to $50
Suma Federal Credit Union: $20 to $50
U.S. median: no median
Stop Payment
Suma Federal Credit Union: $20
Suma Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income fell 13% from Q3 2025 to Q2 2026, to $287K.

Fee income, Q2 2026

$287K

$329KQ3 2025

$242KQ4 2025

$250KQ1 2026

$287KQ2 2026

Against the median

Suma Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Suma Federal Credit Union · $468M 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.

Credit unions only
$456M to $481M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Suma Federal Credit Union(this institution)	Yonkers, NY	$468M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Alabama State Employees Federal Credit Union	Montgomery, AL	$471M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Aod Federal Credit Union	Bynum, AL	$467M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Baton Rouge Telco Federal Credit Union	Baton Rouge, LA	$458M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Canton School Employees Federal Credit Union	North Canton, OH	$462M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cascade Community Federal Credit Union	Roseburg, OR	$465M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Century Federal Credit Union	Independence, OH	$470M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Cme Federal Credit Union	Columbus, OH	$481M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Cornerstone Community Financial Federal Credit Union	Auburn Hills, MI	$470M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Cu Hawaii Federal Credit Union	Hilo, HI	$460M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Earthmover Federal Credit Union	Aurora, IL	$472M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fedchoice Federal Credit Union	Lanham, MD	$469M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Infuze Federal Credit Union	Fort Leonard Wood, MO	$457M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members Federal Credit Union	Winston Salem, NC	$477M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Millbury Federal Credit Union	Millbury, MA	$468M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
North Star Community Federal Credit Union	Maddock, ND	$465M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
On Tap Federal Credit Union	Golden, CO	$474M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Ouachita Valley Federal Credit Union	West Monroe, LA	$464M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Picatinny Federal Credit Union	Dover, NJ	$459M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Public Service Federal Credit Union	Romulus, MI	$468M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
St. Cloud Financial Federal Credit Union	Sartell, MN	$456M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Tidemark Federal Credit Union	Seaford, DE	$469M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Trona Valley Community Federal Credit Union	Green River, WY	$470M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wheelhouse Federal Credit Union	San Diego, CA	$460M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
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
Winsouth Federal Credit Union	Gadsden, AL	$479M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Suma Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $7.50 among 12 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

Suma Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Suma Federal Credit UnionPeer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Suma Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $287K
vs prior quarter: +$37K+14.8%; from Q1 2026
vs a year earlier: +$63K+28.1%; from Q2 2025
vs start of range: +$67K+30.5%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Suma Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$287K	+$37K	+14.8%
Q1 2026	$250K	+$8K	+3.3%
Q4 2025	$242K	−$87K	−26.4%
Q3 2025	$329K	+$105K	+46.9%
Q2 2025	$224K	+$10K	+4.7%
Q1 2025	$214K	+$18K	+9.2%
Q4 2024	$196K	−$24K	−10.9%
Q3 2024	$220K	+$12K	+5.8%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Suma Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Money Market Minimum Balance Fee (per month)$10
per month
Regular share account closed within six months of opening$25
Dormant / Inactive Account Fee (after 3 years)$15
Not compared: Annual charge, not monthly
per year
Escheatment$100
Account Research (Check Reconciliation, research of paid checks, etc.)$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail - Outdated Address / Address Unknown$5

Overdraft & NSF

Non Sufficient Funds Item (Member Share Drafts / ACH / Debit Cards)$20
Overdraft Transfer (transfers from shares)$5

Wire Transfers

Outgoing Wire Transfer (from $25,000.00 and up)$50
Outgoing Wire Transfer (from $500.01 to $24,999.99)$35
Outgoing Wire Transfer (up to $500.00)$20

Check Services

Bank Check$25
Stop Payment: Member Share Draft$20
Non-Member Check Cashing Fee (On-Us Only) (audience not stated, treated as personal)1%($10 minimum)
Foreign Check Processing$20

Account Services

Safe Deposit Box 10" x 10" x 21" (audience not stated, treated as personal)$140
Safe Deposit Box 3" x 10" x 21" (audience not stated, treated as personal)$65
Safe Deposit Box 3" x 5" x 21" (audience not stated, treated as personal)$34
per year
Safe Deposit Box 5" x 10" x 21" (audience not stated, treated as personal)$90
Safe Deposit Box 5" x 5" x 21" (audience not stated, treated as personal)$60
Legal Notices Processing (Tax / Levy / Garnishments)$50
Immigration / Verification of Deposits & Other Letters$15

Lending Fees

Credit Card Late Payment$20

Fee	Amount	Basis	Note
Account Maintenance
Money Market Minimum Balance Fee (per month)	$10	per month	None
Regular share account closed within six months of opening	$25	Not stated	None
Dormant / Inactive Account Fee (after 3 years)	$15Not compared: Annual charge, not monthly	per year	None
Escheatment	$100	Not stated	None
Account Research (Check Reconciliation, research of paid checks, etc.)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail - Outdated Address / Address Unknown	$5	Not stated	None
Overdraft & NSF
Non Sufficient Funds Item (Member Share Drafts / ACH / Debit Cards)	$20	Not stated	None
Overdraft Transfer (transfers from shares)	$5	Not stated	None
Wire Transfers
Outgoing Wire Transfer (from $25,000.00 and up)	$50	Not stated	None
Outgoing Wire Transfer (from $500.01 to $24,999.99)	$35	Not stated	None
Outgoing Wire Transfer (up to $500.00)	$20	Not stated	None
Check Services
Bank Check	$25	Not stated	None
Stop Payment: Member Share Draft	$20	Not stated	None
Non-Member Check Cashing Fee (On-Us Only) (audience not stated, treated as personal)	1%($10 minimum)	Not stated	None
Foreign Check Processing	$20	Not stated	None
Account Services
Safe Deposit Box 10" x 10" x 21" (audience not stated, treated as personal)	$140	Not stated	None
Safe Deposit Box 3" x 10" x 21" (audience not stated, treated as personal)	$65	Not stated	None
Safe Deposit Box 3" x 5" x 21" (audience not stated, treated as personal)	$34	per year	None
Safe Deposit Box 5" x 10" x 21" (audience not stated, treated as personal)	$90	Not stated	None
Safe Deposit Box 5" x 5" x 21" (audience not stated, treated as personal)	$60	Not stated	None
Legal Notices Processing (Tax / Levy / Garnishments)	$50	Not stated	None
Immigration / Verification of Deposits & Other Letters	$15	Not stated	None
Lending Fees
Credit Card Late Payment	$20	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

Correct a fee source

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.

Branches and public record

Where Suma Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

8 offices in 4 states (June 30, 2026)

Hover a state for its office count.

FewerMore offices

Cities with the most offices

Houston, TX	1
Jacksonville, FL	1
New Haven, CT	1
North Port, FL	1
Saint Petersburg, FL	1
Spring Valley, NY	1
Stamford, CT	1
Yonkers, NY	1

Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.

Fee change alerts

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