Lockport Schools & Community Federal Credit Union

Headquarters: Lockport, New York
Charter: Credit Union
Assets: $25.9M
Fed district: New York
Regulator: NCUA

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

Source: its fee schedule, read Oct 11, 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 Oct 11, 2026

How these figures are measured

Call-report figures are for Lockport Schools & Community 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.	Lockport Schools & Community Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 11, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Lockport Schools & Community 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 $23K in Q2 2026, 4.2% below the same quarter a year earlier ($24K).
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
Lockport Schools & Community Federal Credit Union: $30
Lockport Schools & Community Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Lockport Schools & Community Federal Credit Union: $30
Lockport Schools & Community Federal Credit Union: $30
U.S. median: no median
Stop Payment
Lockport Schools & Community Federal Credit Union: $25
Lockport Schools & Community Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 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 4.5% from Q3 2025 to Q2 2026, to $23K.

Fee income, Q2 2026

$23K

$22KQ3 2025

$22KQ4 2025

$25KQ1 2026

$23KQ2 2026

Against the median

Lockport Schools & Community 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

Lockport Schools & Community Federal Credit Union · $26M 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 14 states.

Credit unions only
$25M to $27M in assets
Headquartered in 14 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
Lockport Schools & Community Federal Credit Union(this institution)	Lockport, NY	$26M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Beverly Municipal Federal Credit Union	Beverly, MA	$26M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Center City Community Federal Credit Union	Buena Park, CA	$26M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central Illinois Federal Credit Union	Champaign, IL	$26M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Concho Valley Federal Credit Union	San Angelo, TX	$26M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Construction Federal Credit Union	Bingham Farms, MI	$26M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
County Federal Credit Union	Clayton, MO	$26M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dowagiac Area Federal Credit Union	Dowagiac, MI	$26M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Elite Community Federal Credit Union	Bourbonnais, IL	$26M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Energize Federal Credit Union	Oklahoma City, OK	$25M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Family Community Federal Credit Union	Charles City, IA	$26M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Farm Bureau Family Federal Credit Union	Lansing, MI	$27M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Healthcare Services Federal Credit Union	Chattanooga, TN	$26M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Legacy Federal Credit Union	Joplin, MO	$25M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Michigan Coastal Federal Credit Union	Muskegon, MI	$26M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Montcalm Public Employees Federal Credit Union	Edmore, MI	$27M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Mycom Federal Credit Union	Pittsfield, MA	$27M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Norfolk Fire Department Federal Credit Union	Norfolk, VA	$27M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Onomea Federal Credit Union	Papaikou, HI	$26M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Racine Municipal Employees Federal Credit Union	Racine, WI	$26M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Reliance Federal Credit Union	Kansas City, KS	$25M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Shared Resources Federal Credit Union	Pasadena, TX	$25M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texhillco School Employees Federal Credit Union	Kerrville, TX	$27M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
The Local Federal Credit Union	Dallas, TX	$26M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Westside Community Federal Credit Union	Churchville, NY	$26M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Worcester Police Department Federal Credit Union	Worcester, MA	$25M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 11 publish this fee(out-of-network atm)

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

Fee type

Peer pricing snapshot

Lockport Schools & Community Federal Credit Union does not publish an out-of-network ATM fee in the index.

The peer median is $1 among 11 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 Nov 1, 2026.

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

Lockport Schools & Community Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.

Lockport Schools & Commun…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 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 Lockport Schools & Community 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: $23K
vs prior quarter: −$2K−8.0%; from Q1 2026
vs a year earlier: −$1K−4.2%; from Q2 2025
vs start of range: −$2K−8.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Lockport Schools & Community 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	$23K	−$2K	−8.0%
Q1 2026	$25K	+$3K	+13.6%
Q4 2025	$22K	$0	0.0%
Q3 2025	$22K	−$2K	−8.3%
Q2 2025	$24K	+$2K	+9.1%
Q1 2025	$22K	$0	0.0%
Q4 2024	$22K	−$3K	−12.0%
Q3 2024	$25K	+$3K	+13.6%

Fee-income share against its size cohort

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

Published fee schedule

Amounts from Lockport Schools & Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account$15
per month · after 2 years of inactivity
Dormant Account (after 2 years)$15
per month
Escheatment Fee$75
Account Balancing by CU personnel$20
Not compared: Charged per hour; comparison unavailable
per hour
ATM Cash Withdrawals$1
per item · six free per month, then $1.00 per withdrawal

Overdraft & NSF

Check/ACH returned due to non-sufficient funds$30
per item · NSF/overdraft
Overdraft transfer from additional account$5

ATM & Card

Debit Card Replacement$10
per item
Expedited Debit Card Delivery$25
Foreign Transaction (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Outgoing Wire Transfer$30
per item
Incoming Wire Transfer$10
per item

Check Services

Corporate Check$3
per item
Stale Check Fee$75
per item · per item
Stop payment order$25
per item
Foreign Check Deposit$10
Copy of check$2
per item

Digital & Electronic

Check/ACH returned due to non-sufficient funds$30
per item

Account Services

Garnishment/Tax Levy$75
per item
Letter of Protest$15
per item

Vehicle & Title

Letter of Satisfaction for DMV$10
per item

Other Fees

Fax Services$1
Monthly Statement Copy$1
Not compared: Monthly charge, not per item
per month
One Time Skip Payment$25
one time

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$15	per month	after 2 years of inactivity
Dormant Account (after 2 years)	$15	per month	None
Escheatment Fee	$75	Not stated	None
Account Balancing by CU personnel	$20Not compared: Charged per hour; comparison unavailable	per hour	None
ATM Cash Withdrawals	$1	per item	six free per month, then $1.00 per withdrawal
Overdraft & NSF
Check/ACH returned due to non-sufficient funds	$30	per item	NSF/overdraft
Overdraft transfer from additional account	$5	Not stated	None
ATM & Card
Debit Card Replacement	$10	per item	None
Expedited Debit Card Delivery	$25	Not stated	None
Foreign Transaction (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Outgoing Wire Transfer	$30	per item	None
Incoming Wire Transfer	$10	per item	None
Check Services
Corporate Check	$3	per item	None
Stale Check Fee	$75	per item	per item
Stop payment order	$25	per item	None
Foreign Check Deposit	$10	Not stated	None
Copy of check	$2	per item	None
Digital & Electronic
Check/ACH returned due to non-sufficient funds	$30	per item	None
Account Services
Garnishment/Tax Levy	$75	per item	None
Letter of Protest	$15	per item	None
Vehicle & Title
Letter of Satisfaction for DMV	$10	per item	None
Other Fees
Fax Services	$1	Not stated	None
Monthly Statement Copy	$1Not compared: Monthly charge, not per item	per month	None
One Time Skip Payment	$25	one time	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

Oct 11, 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

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