Compared with New York
9 of 19
compared fees are above the median.
5 below, 5 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
42nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 19 compared; 5 below, 5 about the same
See the feesFee schedule read Oct 9, 2026
Call-report figures are for Twin Rivers 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. | Twin Rivers Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 9, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.1% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (42nd 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 $32K in Q2 2026, 3.2% above the same quarter a year earlier ($31K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
9 of 19 compared published fees sit above the New York median; 5 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
Overdraft (OD)
Compared at $30, its standard fee, the highest of its prices
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 was about level from Q3 2025 to Q2 2026, at $32K. Its share of revenue, 6.1%, is below the 7.2% median for credit unions with under $300M in assets.
$32K
Twin Rivers 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. *Overdraft: Listed at $10 to $30; we compare the highest.
Twin Rivers Federal Credit Union · $39M 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 |
|---|---|---|---|---|---|---|---|
| Twin Rivers Federal Credit Union(this institution) | Massena, NY | $39M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 600 Atlantic Federal Credit Union | Boston, MA | $39M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| A & S Federal Credit Union | Aliquippa, PA | $39M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Austin Federal Credit Union | Austin, TX | $38M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| City Of Firsts Community Federal Credit Union | Kokomo, IN | $39M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Credit Union One of Oklahoma | Oklahoma City, OK | $40M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Detour Drummond Community Federal Credit Union | Drummond Island, MI | $39M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Diablo Valley Federal Credit Union | Concord, CA | $40M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Erie Community Federal Credit Union | Sandusky, OH | $40M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Golden Valley Federal Credit Union | Manteca, CA | $40M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Grand Trunk Battle Creek Emp Federal Credit Union | Battle Creek, MI | $40M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hotel And Travel Industry Federal Credit Union | Honolulu, HI | $40M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Lutheran Federal Credit Union | Saint Louis, MO | $39M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Manchester Municipal Federal Credit Union | Manchester, CT | $40M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Materion Federal Credit Union | Elmore, OH | $39M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Maui Teachers Federal Credit Union | Wailuku, HI | $38M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Members Financial Federal Credit Union | Midland, TX | $39M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Minnesota Catholic Federal Credit Union | Little Canada, MN | $39M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Nashville Firemen'S Federal Credit Union | Nashville, TN | $39M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| National J. A. C. L. Federal Credit Union | Salt Lake City, UT | $39M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Niagara Regional Federal Credit Union | North Tonawanda, NY | $40M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Norwin Teachers Federal Credit Union | North Huntingdon, PA | $39M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pahranagat Valley Federal Credit Union | Alamo, NV | $38M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Planites Federal Credit Union | Chicago, IL | $40M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Anthony Of Padua Federal Credit Union | Fall River, MA | $38M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Theory Federal Credit Union | Painesville, OH | $38M | 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(out-of-network atm)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $1, the middle of its two prices, against a peer median of $1 among 11 publishing peers.
Its two prices are $1 and $1.
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 30, 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 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Twin Rivers 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 | $32K | +$2K | +6.7% |
| Q1 2026 | $30K | −$1K | −3.2% |
| Q4 2025 | $31K | −$1K | −3.1% |
| Q3 2025 | $32K | +$1K | +3.2% |
| Q2 2025 | $31K | +$4K | +14.8% |
| Q1 2025 | $27K | −$4K | −12.9% |
| Q4 2024 | $31K | +$2K | +6.9% |
| Q3 2024 | $29K | −$1K | −3.3% |
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, Twin Rivers 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 Twin Rivers Federal Credit Union by share.
Amounts from Twin Rivers Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Abandoned Property Fee | $100Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant Account Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive (3 mos or longer w/o a transaction) Home Banking Account | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement (with home banking) | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Returned Mail / Incorrect Address | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft (OD) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Paid NSF Item < $30 (Courtesy Pay) | $10Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Check / ACH / EFT due to NSF | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM Balance Inquiry | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM Withdrawal (first 4 free) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Visa Card (rush order 3 - 4 days) | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Fee < (< $50,000) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Wire Fee > (> $50,000) | $35Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Fee | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Credit Union Cashier's Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment (Stale dated checks and money orders) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing Fee (non-member cashed by member) | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Copy of Deposited Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Money Order | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Share Draft (check) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Visa Draft Copy Request | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Member Deposited Item Returned (Canadian) | $40Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Member Deposited Item Returned (U.S.) | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Legal Action Compliance (tax levies, orders, subpeonas, etc.) | $50Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment Fee | $15Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Loan Late Fee (Consumer and Residential) | $15Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| UCC Filing Fee | $20Below the U.S. middle 50% ($20.15 to $96.25 nationally) | Not stated | None |
Other Fees | |||
| Monthly Quarterly Statement Reprint | $5Not compared: Monthly charge, not per item | per month | None |
| Duplicate Lien Release | $5Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Refinance Fee (TRFCU Loans) | $100Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip a Payment (available 1 time per calendar year 1/1 – 12/31) | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Oct 9, 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 Twin Rivers Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Frisco, TX | 1 |
| Massena, NY | 1 |
Largest competitors nearby
Local market: St. Lawrence county, NY, around its headquarters.
| 12 in its local market | Deposit share |
|---|---|
| Community Bank, National Association | 44.7% |
| The North Country Savings Bank | 16% |
| NBT Bank, National Association | 13.3% |
| KeyBank National Association | 11.9% |
| Massena Savings and Loan | 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.