Compared with New York
12 of 27
compared fees are above the median.
7 below, 8 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
17th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 27 compared; 7 below, 8 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Family First Of Ny 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. | Family First Of Ny Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 4.7% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (17th 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 $240K in Q2 2026, 5.1% below the same quarter a year earlier ($253K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
12 of 27 compared published fees sit above the New York median; 7 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
Compared at $0.88, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Compared at $33.50, the middle of its prices
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 rose 8.1% from Q3 2025 to Q2 2026, to $240K. Its share of revenue, 4.7%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$240K
Family First Of Ny 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. *Non-network ATM: Listed at $0.25 to $1.50; we compare the midpoint.
Family First Of Ny Federal Credit Union · $345M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Family First Of Ny Federal Credit Union(this institution) | Rochester, NY | $345M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Agriculture Federal Credit Union | Merrifield, VA | $351M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Elko Federal Credit Union | Elko, NV | $351M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Extra Federal Credit Union | Warren, MI | $345M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Basin Federal Credit Union | Odessa, TX | $343M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fort Worth City Federal Credit Union | Fort Worth, TX | $337M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Freestar Financial Federal Credit Union | Mount Clemens, MI | $350M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Guadalupe Federal Credit Union | Santa Fe, NM | $348M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gulf Federal Credit Union | Groves, TX | $349M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Library Of Congress Federal Credit Union | Washington, DC | $338M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Massmutual Federal Credit Union | Springfield, MA | $344M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Plus Federal Credit Union | Medford, MA | $349M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Michigan United Federal Credit Union | Auburn Hills, MI | $349M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Net Federal Credit Union | Scranton, PA | $354M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Oregonians Federal Credit Union | Milwaukie, OR | $339M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pinal County Federal Credit Union | Casa Grande, AZ | $339M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Prince George'S Community Federal Credit Union | Bowie, MD | $337M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Red Rocks Federal Credit Union | Littleton, CO | $344M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Siouxland Federal Credit Union | South Sioux City, NE | $352M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Solidarity Community Federal Credit Union | Kokomo, IN | $351M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Strata Federal Credit Union | Bakersfield, CA | $345M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Telcomm Federal Credit Union | Springfield, MO | $338M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Transportation Federal Credit Union | Alexandria, VA | $346M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Unitedone Federal Credit Union | Manitowoc, WI | $348M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Us Community Federal Credit Union | Nashville, TN | $346M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| West Virginia Central Federal Credit Union | Parkersburg, WV | $341M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.50 among 14 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
Family First Of Ny 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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Family First Of Ny 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 | $240K | −$4K | −1.6% |
| Q1 2026 | $244K | −$26K | −9.6% |
| Q4 2025 | $270K | +$48K | +21.6% |
| Q3 2025 | $222K | −$31K | −12.3% |
| Q2 2025 | $253K | +$34K | +15.5% |
| Q1 2025 | $219K | −$15K | −6.4% |
| Q4 2024 | $234K | −$6K | −2.5% |
| Q3 2024 | $240K | +$13K | +5.7% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Family First Of Ny 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 Family First Of Ny Federal Credit Union by share.
Amounts from Family First Of Ny Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per month
per item
per item
per year
per year
per year
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure Fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Abandoned Property Escheatment | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Research / Checkbook Balancing | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Returned Mail Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay Fees | $32Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds | $32Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Non-Sufficient Funds | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Courtesy Pay Negative Balance Fee | $30Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Funds Transfer to Cover Overdraft | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM Inquiry Fee | $0.25Below the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Foreign ATM Withdrawal | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Visa Debit or Credit Card Replacement | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Transfer | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Official Check | $4Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order Fee | $4Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Bill Pay Stop Payment | $32Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks 8 free with new checking account, then | $0.25Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing (non-member) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Check Processing | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Bill Pay Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Check Deposited/Cashed | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Item Returned | $32Above the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service Free | $2Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Box Rental (3”x 10”x 24”) | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Box Rental (3”x 5”x 24”) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Box Rental (5”x 10”x 24”) | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Legal Processing Fee | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Closure/Transfer | $30Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $3.50Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Copy of Member Receipt | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Fax Service | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Loan Payoff Processing Request (Mortgages and HEs) | $50Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Skip-a-Payment | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| MessagePay loan payment made online with debit card | $4.99Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Nov 1, 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 Family First Of Ny 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.
Cities with the most offices
| Rochester, NY | 3 |
| East Rochester, NY | 1 |
| Webster, NY | 1 |
Largest competitors nearby
Local market: Monroe county, NY, around its headquarters.
| 30 in its local market | Deposit share |
|---|---|
| Manufacturers and Traders Trust Company | 22.5% |
| KeyBank National Association | 16.2% |
| JPMorgan Chase Bank, National Association | 15.5% |
| The Canandaigua National Bank and Trust Company | 12.5% |
| Bank of America, National Association | 8.3% |
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.