Parks Heritage Federal Credit Union

Headquarters: Glens Falls, New York
Charter: Credit Union
Assets: $42.3M
Fed district: New York
Regulator: NCUA

Explore Hamilton View published fees

Compared with New York

4 of 22

compared fees are above the median.

7 below, 11 about the same.

About the same: within 1% of the median.

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
59th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 22 compared; 7 below, 11 about the same
See the fees
Fee schedule read Oct 19, 2026

How these figures are measured

Call-report figures are for Parks Heritage 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.	Parks Heritage Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 19, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Parks Heritage 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 8.5% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (59th 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 $70K in Q2 2026, 6.1% above the same quarter a year earlier ($66K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 22 compared published fees sit above the New York median; 7 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.

Fees against the market

Comparison with New York medians for fees published by banks and credit unions.

Cashier's Check
Parks Heritage Federal Credit Union: $2
Parks Heritage Federal Credit Union: $2
New York median: $5126 publishNew York district median: $5182 publishU.S. median: $52,586 publish
Overdraft (OD)
Parks Heritage Federal Credit Union: $30
Parks Heritage Federal Credit Union: $30
New York median: $30101 publishNew York district median: $30145 publishU.S. median: $302,603 publish
NSF / Returned Item
Parks Heritage Federal Credit Union: $30
Parks Heritage Federal Credit Union: $30
New York median: $30140 publishNew York district median: $30194 publishU.S. median: $302,857 publish

Published schedulesBanks and credit unionsRead Oct 19, 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 rose 21% from Q3 2025 to Q2 2026, to $70K. Its share of revenue, 8.5%, is above the 7.2% median for credit unions with under $300M in assets.

Fee income, Q2 2026

$70K

$58KQ3 2025

$48KQ4 2025

$52KQ1 2026

$70KQ2 2026

Against the median (NY for fees)

Share of revenue8.5% / 7.2%
Overdraft$30 / $30

Parks Heritage 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.

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.

How much of the higher share comes from how often fees are charged, rather than what they cost?
Which fees make up most of fee income, and has that mix changed?

See a free sample report

Among its peers

Parks Heritage Federal Credit Union · $42M 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 17 states.

Credit unions only
$41M to $43M in assets
Headquartered in 17 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
Parks Heritage Federal Credit Union(this institution)	Glens Falls, NY	$42M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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&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
Chiropractic Federal Credit Union	Farmington, MI	$42M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
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
East River Federal Credit Union	Madison, SD	$42M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
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
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
Health Care Professionals Federal Credit Union	Richmond, IN	$42M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
Methuen Federal Credit Union	Methuen, MA	$42M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	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
Northwest Municipal Federal Credit Union	Des Plaines, IL	$41M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Old Ocean Federal Credit Union	Sweeny, TX	$42M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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
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
River Region Federal Credit Union	Lutcher, LA	$42M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
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
Spencerport Federal Credit Union	Spencerport, NY	$43M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
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
Toro Employees Federal Credit Union	Bloomington, MN	$41M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	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

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(out-of-network atm)

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

Fee type

Peer pricing snapshot

Parks Heritage Federal Credit Union does not publish an out-of-network ATM fee in the index.

The peer median is $1 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 27, 2026.

Out-of-network ATM fee in dollars, one mark per institution

Parks Heritage Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.

Parks Heritage Federal Cr…Peer (equal prices stack)Peer median

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.

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 Parks Heritage 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: $70K
vs prior quarter: +$18K+34.6%; from Q1 2026
vs a year earlier: +$4K+6.1%; from Q2 2025
vs start of range: −$5K−6.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Parks Heritage 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	$70K	+$18K	+34.6%
Q1 2026	$52K	+$4K	+8.3%
Q4 2025	$48K	−$10K	−17.2%
Q3 2025	$58K	−$8K	−12.1%
Q2 2025	$66K	+$5K	+8.2%
Q1 2025	$61K	−$10K	−14.1%
Q4 2024	$71K	−$4K	−5.3%
Q3 2024	$75K	+$11K	+17.2%

Fee-income share against its size cohort

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, Parks Heritage Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Parks Heritage Federal Credit Union: 8.5%
Percentile: 59th
25th percentile: 3.7%
Median: 7.2%
75th percentile: 11%

Parks Heritage Federal Credit Union 8.5%Median 7.2%Middle half 3.7% to 11.4%Peers at each share21 above 30%, counted in the last bar

Find a peer (2,932)

The 15 closest to Parks Heritage Federal Credit Union by share.

Details

Source: NCUA 5300 call report
Entity: Each credit union, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026), year to date
Measure: Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: Account 131 / (Account 115 + Account 117)

Published fee schedule

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

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Account Closure (Savings/Checking)$15
Inside the U.S. middle 50% ($10 to $25 nationally)
Dormant Account$10
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Inactive Account$10
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement$1
Below the U.S. middle 50% ($2 to $4.98 nationally)
per month
Money Market - Excessive Withdrawal$5
Inside the U.S. middle 50% ($3 to $10 nationally)
per item
Returned Mail$5
Inside the U.S. middle 50% ($5 to $7.50 nationally)

Fee	Amount	Basis	Note
Account Maintenance
Account Closure (Savings/Checking)	$15Inside the U.S. middle 50% ($10 to $25 nationally)	Not stated	None
Dormant Account	$10Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Inactive Account	$10Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement	$1Below the U.S. middle 50% ($2 to $4.98 nationally)	per month	None
Money Market - Excessive Withdrawal	$5Inside the U.S. middle 50% ($3 to $10 nationally)	per item	None
Returned Mail	$5Inside the U.S. middle 50% ($5 to $7.50 nationally)	Not stated	None
Overdraft & NSF
ACH Overdraft	$30Inside the U.S. middle 50% ($25 to $33 nationally)	per item	None
ATM Overdraft	$30Inside the U.S. middle 50% ($25 to $33 nationally)	per item	None
Debit Card Overdraft	$30Inside the U.S. middle 50% ($25 to $33 nationally)	per item	None
One-Time Debit Overdraft	$30Inside the U.S. middle 50% ($25 to $33 nationally)	per item	None
NSF	$30Inside the U.S. middle 50% ($25 to $32 nationally)	per item	None
ATM & Card
Debit Card Replacement	$10Inside the U.S. middle 50% ($5 to $10 nationally)	per item	None
Wire Transfers
Wire Transfer (Outgoing - Domestic)	$25Inside the U.S. middle 50% ($20 to $25 nationally)	per item	None
Wire Transfer (Outgoing - International)	$45Inside the U.S. middle 50% ($40 to $50 nationally)	per item	None
Check Services
Cashier's Check	$2Below the U.S. middle 50% ($3 to $6 nationally)	per item	None
Stop Payment	$20Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Foreign Check Deposit (Non US financial institution)	$20Inside the U.S. middle 50% ($10 to $26 nationally)	per item	None
Copies of Cancelled Checks	$5Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Digital & Electronic
ACH Origination (One Time Transaction)	$25Above the U.S. middle 50% ($5 to $15 nationally)	one time	None
ACH Origination (Recurring - Setup)	$10Inside the U.S. middle 50% ($5 to $15 nationally)	Not stated	None
Cash & Deposit
Deposit Item Return	$30Above the U.S. middle 50% ($9 to $25 nationally)	per item	None
Returned Item	$10Inside the U.S. middle 50% ($9 to $25 nationally)	per item	None
Account Services
Notary (Non-Member)	$2Inside the U.S. middle 50% ($0 to $5 nationally)	Not stated	None
Legal Process (tax levies, summons)	$25Below the U.S. middle 50% ($30 to $85 nationally)	Not stated	None
Legal Processing (Under $1,000.00)	$25Below the U.S. middle 50% ($50 to $150 nationally)	Not stated	None
Subordination Agreement Prep	$250Above the U.S. middle 50% ($50 to $150 nationally)	Not stated	None
Retirement & IRA
IRA Transfer (to another financial institution)	$25Inside the U.S. middle 50% ($25 to $35 nationally)	Not stated	None
Other Fees
Statement Copy	$5Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Loan Processing (Under $1,000.00)	$25Inside the U.S. middle 50% ($20 to $37.50 nationally)	Not stated	None

Showing 5 of 30 fees.

Correct a fee source

Oct 19, 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 Parks Heritage Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

2 offices in 2 states (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

Cities with the most offices

Glens Falls, NY	1
Sandy, UT	1

Largest competitors nearby

Local market: Warren county, NY, around its headquarters.

11 in its local market	Deposit share
Arrow Bank National Association	59.9%
TD Bank, National Association	17.6%
Citizens Bank, National Association	5.1%
TrustCo Bank	3.7%
NBT Bank, National Association	3.6%

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

Fee change alerts

Parks Heritage Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Parks Heritage Federal Credit Union does not publish an out-of-network ATM fee in the index.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Parks Heritage Federal Credit Union changes in our data