Compared with New York
2 of 16
compared fees are above the median.
13 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
30th 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; 13 below, 1 about the same
See the feesFee schedule read Oct 12, 2026
Call-report figures are for Compass 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. | Compass Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 12, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 4.5% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (30th 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 $66K in Q2 2026, 20% below the same quarter a year earlier ($82K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 16 compared published fees sit above the New York median; 13 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
Leaves out 1 fee charged on a different basis filed under this fee.
Overdraft (OD)
NSF / Returned Item
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 fell 21% from Q3 2025 to Q2 2026, to $66K. Its share of revenue, 4.5%, is below the 7.2% median for credit unions with under $300M in assets.
$66K
Compass 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.
Compass Federal Credit Union · $101M 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 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Compass Federal Credit Union(this institution) | Oswego, NY | $101M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Advantage Financial Federal Credit Union | Washington, DC | $103M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Archer Cooperative Federal Credit Union | Archer, NE | $103M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Athol Federal Credit Union | Athol, MA | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Common Trust Federal Credit Union | Woburn, MA | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community First Federal Credit Union | Ashtabula, OH | $100M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Star Federal Credit Union | Elyria, OH | $103M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Concho Educators Federal Credit Union | San Angelo, TX | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Connect Credit Union | Fort lauderdale, FL | $103M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Crossroads Financial Federal Credit Union | Portland, IN | $102M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Four Seasons Federal Credit Union | Opelika, AL | $104M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Gardiner Federal Credit Union | Gardiner, ME | $101M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Glendale Federal Credit Union | Glendale, CA | $103M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Greater Chautauqua Federal Credit Union | Falconer, NY | $102M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Healthcare First Credit Union | Johnstown, PA | $101M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| I Am Federal Credit Union | New York, NY | $103M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ko`Olau Federal Credit Union | Kailua, HI | $104M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Marin County Federal Credit Union | San Rafael, CA | $104M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Members Community Federal Credit Union | Muscatine, IA | $99M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Midland Federal Credit Union | Urbandale, IA | $101M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Railroad Federal Credit Union | Irondale, AL | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Serve Federal Credit Union | Des Moines, IA | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tewksbury Federal Credit Union | Tewksbury, MA | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Texas Bridge Federal Credit Union | Corpus Christi, TX | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Universal Federal Credit Union | Huntington, WV | $100M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| University Of Toledo Federal Credit Union | Toledo, OH | $100M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ 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.
Peer pricing snapshot
Its published price is $1, against a peer median of $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 Oct 21, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Against this institution's out-of-network atm fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 21, 2026. Total assets from FDIC and NCUA records.
Call reports for Compass 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 | $66K | +$1K | +1.5% |
| Q1 2026 | $65K | −$23K | −26.1% |
| Q4 2025 | $88K | +$4K | +4.8% |
| Q3 2025 | $84K | +$2K | +2.4% |
| Q2 2025 | $82K | +$15K | +22.4% |
| Q1 2025 | $67K | −$8K | −10.7% |
| Q4 2024 | $75K | −$10K | −11.8% |
| Q3 2024 | $85K | +$15K | +21.4% |
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, Compass 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 Compass Federal Credit Union by share.
Amounts from Compass Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation | $15Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Account Research Per Hour | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Courtesy Pay | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned Check or ACH for NSF | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| WITHDRAWALS per month on non-Compass ATM machines. 3. | No chargeNot compared: Monthly charge, not per item | per month | None |
| Replacement Card Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing - Domestic | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Incoming - Domestic | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers: Outgoing - Foreign | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfers: Incoming - Foreign | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s/Official Checks | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Certified Checks | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposit Item Returned | $15Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
| Foreign Return Item | $42Above the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Tax Levy/Garnishment/Restraining Notice | $20Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Statement Copies | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 12, 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 Compass Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
7 offices in 2 states (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Oswego, NY | 5 |
| Fulton, NY | 1 |
| Sandy, UT | 1 |
Largest competitors nearby
Local market: Oswego county, NY, around its headquarters.
| 8 in its local market | Deposit share |
|---|---|
| Pathfinder Bank | 42.6% |
| Community Bank, National Association | 17.4% |
| NBT Bank, National Association | 13.7% |
| Fulton Savings Bank | 13.2% |
| KeyBank National Association | 8.7% |
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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