Alliance Niagara Federal Credit Union

Headquarters: Sanborn, New York
Charter: Credit Union
Assets: $24.1M
Fed district: New York
Regulator: NCUA

8 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 Alliance Niagara 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.	Alliance Niagara 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: Alliance Niagara 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 $3K in Q2 2026, 40% below the same quarter a year earlier ($5K).
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
Alliance Niagara Federal Credit Union: $25
Alliance Niagara Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Alliance Niagara Federal Credit Union: $20
Alliance Niagara Federal Credit Union: $20
U.S. median: no median
Stop Payment
Alliance Niagara Federal Credit Union: $20
Alliance Niagara Federal Credit Union: $20
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 50% from Q3 2025 to Q2 2026, to $3K.

Fee income, Q2 2026

$3K

$2KQ3 2025

$3KQ4 2025

$3KQ1 2026

$3KQ2 2026

Against the median

Alliance Niagara 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

Alliance Niagara Federal Credit Union · $24M 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
$23M to $25M 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
Alliance Niagara Federal Credit Union(this institution)	Sanborn, NY	$24M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Advantage One Federal Credit Union	Morrison, IL	$24M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ang Federal Credit Union	Birmingham, AL	$24M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Attleboro M E Federal Credit Union	Attleboro, MA	$25M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Bayou City Federal Credit Union	Houston, TX	$24M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Billerica Municipal Employees Federal Credit Union	Billerica, MA	$24M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Chattahoochee Federal Credit Union	Valley, AL	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
District #6 Federal Credit Union	Hornell, NY	$25M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Employees Choice Federal Credit Union	El Cajon, CA	$25M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Financial Educators Federal Credit Union	Daytona Beach, FL	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Highway Crossroads Federal Credit Union	Sikeston, MO	$24M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Honeywell Philadelphia Div Federal Credit Union	Ft Washington, PA	$24M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Kennedy Va Employees Federal Credit Union	Memphis, TN	$24M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mint Valley Federal Credit Union	Longview, WA	$24M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Monroe County Teachers Federal Credit Union	Key West, FL	$24M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
N.F.G. #2 Federal Credit Union	Warren, PA	$24M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ny Firefighters Bravest Federal Credit Union	albany, NY	$24M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ok Members First Federal Credit Union	Tulsa, OK	$24M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Rim Country Federal Credit Union	Snowflake, AZ	$25M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
S C I Federal Credit Union	Florence, SC	$24M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Sylvania Area Federal Credit Union	Sylvania, OH	$24M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Tee-Pak Federal Credit Union	Danville, IL	$24M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Texas People Federal Credit Union	Fort Worth, TX	$24M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Thiokol Elkton Federal Credit Union	Elkton, MD	$24M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Unite Federal Credit Union	Cedar Falls, IA	$24M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Westmoreland Water Federal Credit Union	Greensburg, PA	$24M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	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.

Fee type

Peer pricing snapshot

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

The peer median is $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 Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

Alliance Niagara Federal…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 Alliance Niagara 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: $3K
vs prior quarter: $00.0%; from Q1 2026
vs a year earlier: −$2K−40.0%; from Q2 2025
vs start of range: −$1K−25.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Alliance Niagara 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	$3K	$0	0.0%
Q1 2026	$3K	$0	0.0%
Q4 2025	$3K	+$1K	+50.0%
Q3 2025	$2K	−$3K	−60.0%
Q2 2025	$5K	+$2K	+66.7%
Q1 2025	$3K	+$1K	+50.0%
Q4 2024	$2K	−$2K	−50.0%
Q3 2024	$4K	−$1K	−20.0%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Dormant Account$25
Not compared: Quarterly charge, not monthly
per quarter · after 2 years of inactivity
Print-outs$1
per item · per account / period
Reconciliation$25
per item · per period

Overdraft & NSF

NSF Check$25
per item

ATM & Card

Debit Card Replacement$5
Lost/Stolen Debit Card$10

Wire Transfers

Wire Transfer$20
per item

Check Services

Cashiers Check$2
Stop Payment$20
per item
Copy of Check$2

Cash & Deposit

Returned Deposit$20
per item

Other Fees

Copy of Statement$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account	$25Not compared: Quarterly charge, not monthly	per quarter	after 2 years of inactivity
Print-outs	$1	per item	per account / period
Reconciliation	$25	per item	per period
Overdraft & NSF
NSF Check	$25	per item	None
ATM & Card
Debit Card Replacement	$5	Not stated	None
Lost/Stolen Debit Card	$10	Not stated	None
Wire Transfers
Wire Transfer	$20	per item	None
Check Services
Cashiers Check	$2	Not stated	None
Stop Payment	$20	per item	None
Copy of Check	$2	Not stated	None
Cash & Deposit
Returned Deposit	$20	per item	None
Other Fees
Copy of Statement	$1Not compared: Charged per page; comparison unavailable	per page	None

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

Get an email when Alliance Niagara Federal Credit Union's early account closure changes in our data

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