Compared with New York
5 of 24
compared fees are above the median.
16 below, 3 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
4th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 24 compared; 16 below, 3 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Ocean Financial 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 569 credit unions with $300M to $1B 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. | Ocean Financial Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 2.1% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (4th 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 $99K in Q2 2026, 4.8% below the same quarter a year earlier ($104K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 24 compared published fees sit above the New York median; 16 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.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
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 4.8% from Q3 2025 to Q2 2026, to $99K. Its share of revenue, 2.1%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$99K
Ocean Financial 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Ocean Financial Federal Credit Union · $403M 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Ocean Financial Federal Credit Union(this institution) | Oceanside, NY | $403M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Acadia Federal Credit Union | Fort Kent, ME | $413M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Alltru Federal Credit Union | Wentzville, MO | $401M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ancorum Federal Credit Union | Bath, ME | $402M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ashland Federal Credit Union | Ashland, KY | $412M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Avenir Financial Federal Credit Union | Yuma, AZ | $401M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cascade Federal Credit Union | Kent, WA | $393M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Case Federal Credit Union | Lansing, MI | $400M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cdc Federal Credit Union | Atlanta, GA | $414M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Eagle Community Federal Credit Union | Lake Forest, CA | $409M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Community Credit Union of Beloit | Beloit, WI | $410M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Fort Financial Federal Credit Union | Fort Wayne, IN | $397M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fort Sill Federal Credit Union | Lawton, OK | $394M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Houston Texas Fire Fighters Federal Credit Union | Houston, TX | $401M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Monroe Community Federal Credit Union | Monroe, MI | $406M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Nymeo Federal Credit Union | Frederick, MD | $409M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Park View Federal Credit Union | Harrisonburg, VA | $410M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Partnership Financial Federal Credit Union | Morton Grove, IL | $403M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Platinum Federal Credit Union | Duluth, GA | $413M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Popa Federal Credit Union | Cerritos, CA | $405M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| San Antonio Citizens Federal Credit Union | San Antonio, FL | $400M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Signet Federal Credit Union | Paducah, KY | $398M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wauna Federal Credit Union | Clatskanie, OR | $398M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Wepco Federal Credit Union | Bloomington, MD | $399M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Yolo Federal Credit Union | Woodland, CA | $412M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Zing Credit Union | Denver, CO | $406M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5.50 among 16 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 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Ocean Financial Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Ocean Financial 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 | $99K | −$7K | −6.6% |
| Q1 2026 | $106K | $0 | 0.0% |
| Q4 2025 | $106K | +$2K | +1.9% |
| Q3 2025 | $104K | $0 | 0.0% |
| Q2 2025 | $104K | +$7K | +7.2% |
| Q1 2025 | $97K | −$21K | −17.8% |
| Q4 2024 | $118K | +$13K | +12.4% |
| Q3 2024 | $105K | +$7K | +7.1% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Ocean Financial 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 Ocean Financial Federal Credit Union by share.
Amounts from Ocean Financial Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Abandoned property account processing: Fee Amount | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Account (after 12 months): Fee Amount | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research/Reconciliation | No chargeBelow the U.S. middle 50% ($6.44 to $25 nationally) | Not stated | None |
| Super Saver excess withdrawal (8 permitted per month): Fee Amount | $5Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
| Return Mail | $3Below the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| COURTESY PAY FEE (Everyday/POS Debits/ ATM) | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Standard Overdraft Fee | $28Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Check (per transaction): Fee Amount | $28Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection Transfer from Savings | $4Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Visa/ATM/Debit Replacement Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire-Out Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire - In | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per transaction | None |
| Wire-Out Foreign | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Teller / Official Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment (Per stop - 6-month expiration): Fee Amount | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | No chargeBelow the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Photo Copy of Share Draft | $2.50Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay Expedited Payment - Electronic (same day): Fee Amount | $9.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay Expedited Payment- Check | $14.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| ZELLE® (Person to Person Payments) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Machine Fee - Members | No chargeInside the U.S. middle 50% ($0 to $2 nationally) | Not stated | None |
| Returned deposit | $15Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box 10X10X18 | $150Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3X5X1 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3X5X18 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5X10X18 | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5X5X18 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Break in Fee | $250Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Products (at Seaford Branch Only): Fee Amount | $28Below the U.S. middle 50% ($32.50 to $60 nationally) | per transaction | None |
| Safe Deposit Replacement Key | $37Not compared: Box drilling or key fee | Not stated | None |
| Home Equity Subordination Fee | $150Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Legal Documentation/ Legal Process | $50Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Lending Fees | |||
| Visa Late Payment | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Card- Members | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Visa Gift Card- Non Members | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Statement copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Nov 2, 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 Ocean Financial Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state (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
| Rockville Centre, NY | 3 |
| Oceanside, NY | 1 |
| Seaford, NY | 1 |
Largest competitors nearby
Local market: Nassau county, NY, around its headquarters.
| 47 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 22.5% |
| Webster Bank, National Association | 18.2% |
| Citibank, National Association | 11.5% |
| TD Bank, National Association | 8.4% |
| Bank of America, National Association | 6.8% |
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.