Compared with New Jersey
6 of 18
compared fees are above the median.
8 below, 4 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
49th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New Jersey median
of 18 compared; 8 below, 4 about the same
See the feesFee schedule read Feb 17, 2026
Call-report figures are for Seaport 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 Jersey median | Published fees above the New Jersey median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Seaport Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Feb 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.0% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (49th 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 $115K in Q2 2026, 35% above the same quarter a year earlier ($85K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 18 compared published fees sit above the New Jersey median; 8 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 Jersey medians for fees published by banks and credit unions.
Monthly Maintenance
Can be waived with a balance of $100 or more.
Overdraft (OD)
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for New Jersey, 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 13% from Q3 2025 to Q2 2026, to $115K. Its share of revenue, 7.0%, is below the 7.2% median for credit unions with under $300M in assets.
$115K
Seaport 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.
Seaport Federal Credit Union · $110M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Seaport Federal Credit Union(this institution) | Elizabeth, NJ | $110M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Advanced Financial Federal Credit Union | New Providence, NJ | $107M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ascension Federal Credit Union | Gonzales, LA | $108M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bay Area Federal Credit Union | Oregon, OH | $108M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chiphone Federal Credit Union | Elkhart, IN | $112M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Explorers Federal Credit Union | Yankton, SD | $112M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First California Federal Credit Union | Fresno, CA | $110M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Eagle Federal Credit Union | Owings Mills, MD | $109M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Greater Pittsburgh Police Federal Credit Union | Pittsburgh, PA | $110M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hibbing Cooperative Federal Credit Union | Hibbing, MN | $109M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Kaiperm Federal Credit Union | Walnut Creek, CA | $108M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lassen County Federal Credit Union | Susanville, CA | $107M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Membersfirst Ct Federal Credit Union | Meriden, CT | $107M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Membersown Federal Credit Union | Lincoln, NE | $109M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Metrum Community Federal Credit Union | Centennial, CO | $112M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Palco Fcu Federal Credit Union | Muncy, PA | $109M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rancho Federal Credit Union | Downey, CA | $109M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Raritan Bay Federal Credit Union | Sayreville, NJ | $108M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Roanoke Valley Community Federal Credit Union | Roanoke, VA | $107M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rockdale Federal Credit Union | Rockdale, TX | $108M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southwest 66 Federal Credit Union | Odessa, TX | $112M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Total Community Federal Credit Union | Taylor, MI | $111M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Trunorthern Federal Credit Union | Malone, NY | $112M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Valley 1St Community Federal Credit Union | Monessen, PA | $107M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Weld Community Federal Credit Union | Greeley, CO | $110M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Worcester Federal Credit Union | Worcester, MA | $107M | Monthly maintenance not published | 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(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $30, against a peer median of $6 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 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
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.
Call reports for Seaport 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 | $115K | +$11K | +10.6% |
| Q1 2026 | $104K | −$5K | −4.6% |
| Q4 2025 | $109K | −$23K | −17.4% |
| Q3 2025 | $132K | +$47K | +55.3% |
| Q2 2025 | $85K | +$4K | +4.9% |
| Q1 2025 | $81K | −$7K | −8.0% |
| Q4 2024 | $88K | −$12K | −12.0% |
| Q3 2024 | $100K | +$10K | +11.1% |
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, Seaport 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 Seaport Federal Credit Union by share.
Amounts from Seaport Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per month
per day
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| MSB Monthly fee | $30Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account closed within180 days of opening | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Early account closing | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheat Fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Reconcilement/Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper statement fee | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay (must opt in) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Protection | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM/DEBIT CARD CLUB ACCOUNTS: Transaction Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement Cards | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Outgoing wire transfers (domestic) | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming wire transfers | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Third Party/Teller Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop payments | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Copy of check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Return(max 3 per day) | $30Not compared: Daily charge, not per item | per day | None |
Account Services | |||
| Garnishment/Levy | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Subordination of Mortgage Fee | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Lending Fees | |||
| Monthly service fee none Loan late fee | $30Not compared: Monthly charge, not per item | per month | None |
Gift & Prepaid Cards | |||
| VISA Gift Card | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Duplicate VISA Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Feb 17, 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 Seaport Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 2 states (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Elizabeth, NJ | 2 |
| Frisco, TX | 1 |
| Jersey City, NJ | 1 |
Largest competitors nearby
Local market: Union county, NJ, around its headquarters.
| 47 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 22.6% |
| Bank of America, National Association | 14.1% |
| TD Bank, National Association | 10.6% |
| JPMorgan Chase Bank, National Association | 7.5% |
| Union County Savings Bank | 5.4% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.