Twin Rivers Federal Credit Union

Headquarters: Massena, New York
Charter: Credit Union
Assets: $39.2M
Fed district: New York

19 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 9, 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 9, 2026

How these figures are measured

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) 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.	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

Details

Source: NCUA 5300 call report
Entity: Twin Rivers 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 $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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Compared at $30, its standard fee, the highest of its prices
Twin Rivers Federal Credit Union: $10 to $30
Twin Rivers Federal Credit Union: $10 to $30
U.S. median: no median
NSF / Returned Item
Twin Rivers Federal Credit Union: $30
Twin Rivers Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Twin Rivers Federal Credit Union: $1
Twin Rivers Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 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 was about level from Q3 2025 to Q2 2026, at $32K.

Fee income, Q2 2026

$32K

$32KQ3 2025

$31KQ4 2025

$30KQ1 2026

$32KQ2 2026

Against the median

Twin Rivers 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

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.

Credit unions only
$38M to $40M 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
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.

Fee type

Peer pricing snapshot

Out-of-network ATM is broadly aligned with similar-sized credit unions: within 1% of their median.

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

Twin Rivers Federal Credi…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

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.

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 Twin Rivers 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: $32K
vs prior quarter: +$2K+6.7%; from Q1 2026
vs a year earlier: +$1K+3.2%; from Q2 2025
vs start of range: +$3K+10.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Twin Rivers 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	$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%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Abandoned Property Fee$100
Dormant Account Fee$10
per month
Inactive (3 mos or longer w/o a transaction) Home Banking Account$10
per month
Account Research$10
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement (with home banking)$3
Returned Mail / Incorrect Address$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft (OD)$30
Paid NSF Item < $30 (Courtesy Pay)$10
per item
Returned Check / ACH / EFT due to NSF$30
per item

ATM & Card

ATM Balance Inquiry$1
per item
ATM Withdrawal (first 4 free)$1
per item
Visa Card (rush order 3 - 4 days)$50

Wire Transfers

Outgoing Wire Fee < (< $50,000)$25
Outgoing Wire Fee > (> $50,000)$35
Incoming Wire Fee$10

Check Services

Credit Union Cashier's Check$3
Money Order$3
Stop Payment$25
Stop Payment (Stale dated checks and money orders)$30
per item
Counter Checks$2
Check Cashing Fee (non-member cashed by member)$15
Copy of Deposited Check$5
Copy of Money Order$5
Copy of Share Draft (check)$5
Visa Draft Copy Request$5

Cash & Deposit

Member Deposited Item Returned (Canadian)$40
per item
Member Deposited Item Returned (U.S.)$30
per item

Account Services

Legal Action Compliance (tax levies, orders, subpeonas, etc.)$50

Lending Fees

Late Payment Fee$15
Loan Late Fee (Consumer and Residential)$15
UCC Filing Fee$20

Other Fees

Monthly Quarterly Statement Reprint$5
Not compared: Monthly charge, not per item
per month
Duplicate Lien Release$5
Loan Refinance Fee (TRFCU Loans)$100
Skip a Payment (available 1 time per calendar year 1/1 – 12/31)$35
per item

Fee	Amount	Basis	Note
Account Maintenance
Abandoned Property Fee	$100	Not stated	None
Dormant Account Fee	$10	per month	None
Inactive (3 mos or longer w/o a transaction) Home Banking Account	$10	per month	None
Account Research	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement (with home banking)	$3	Not stated	None
Returned Mail / Incorrect Address	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft (OD)	$30	Not stated	None
Paid NSF Item < $30 (Courtesy Pay)	$10	per item	None
Returned Check / ACH / EFT due to NSF	$30	per item	None
ATM & Card
ATM Balance Inquiry	$1	per item	None
ATM Withdrawal (first 4 free)	$1	per item	None
Visa Card (rush order 3 - 4 days)	$50	Not stated	None
Wire Transfers
Outgoing Wire Fee < (< $50,000)	$25	Not stated	None
Outgoing Wire Fee > (> $50,000)	$35	Not stated	None
Incoming Wire Fee	$10	Not stated	None
Check Services
Credit Union Cashier's Check	$3	Not stated	None
Money Order	$3	Not stated	None
Stop Payment	$25	Not stated	None
Stop Payment (Stale dated checks and money orders)	$30	per item	None
Counter Checks	$2	Not stated	None
Check Cashing Fee (non-member cashed by member)	$15	Not stated	None
Copy of Deposited Check	$5	Not stated	None
Copy of Money Order	$5	Not stated	None
Copy of Share Draft (check)	$5	Not stated	None
Visa Draft Copy Request	$5	Not stated	None
Cash & Deposit
Member Deposited Item Returned (Canadian)	$40	per item	None
Member Deposited Item Returned (U.S.)	$30	per item	None
Account Services
Legal Action Compliance (tax levies, orders, subpeonas, etc.)	$50	Not stated	None
Lending Fees
Late Payment Fee	$15	Not stated	None
Loan Late Fee (Consumer and Residential)	$15	Not stated	None
UCC Filing Fee	$20	Not stated	None
Other Fees
Monthly Quarterly Statement Reprint	$5Not compared: Monthly charge, not per item	per month	None
Duplicate Lien Release	$5	Not stated	None
Loan Refinance Fee (TRFCU Loans)	$100	Not stated	None
Skip a Payment (available 1 time per calendar year 1/1 – 12/31)	$35	per item	None

Correct a fee source

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.

Fee change alerts

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