Compared with New York
8 of 18
compared fees are above the median.
8 below, 2 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
28th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 18 compared; 8 below, 2 about the same
See the feesFee schedule read Oct 17, 2026
Call-report figures are for Secny 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. | Secny Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.9% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (28th 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 $244K in Q2 2026, 3.4% above the same quarter a year earlier ($236K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 18 compared published fees sit above the New York 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 York medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Foreign Transaction
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 $244K. Its share of revenue, 5.9%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$244K
Secny 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.
Secny Federal Credit Union · $323M 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 |
|---|---|---|---|---|---|---|---|
| Secny Federal Credit Union(this institution) | Syracuse, NY | $323M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 360 Federal Credit Union | Windsor Locks, CT | $324M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Access Federal Credit Union | Clinton, NY | $320M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Actors Federal Credit Union | New York, NY | $331M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dannemora Federal Credit Union | Plattsburgh, NY | $320M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Downeast Federal Credit Union | Baileyville, ME | $330M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Downey Federal Credit Union | Downey, CA | $328M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Evolve Federal Credit Union | El Paso, TX | $323M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fall River Municipal Federal Credit Union | Fall River, MA | $316M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Families And Schools Together Federal Credit Union | Hanford, CA | $330M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Glass City Federal Credit Union | Maumee, OH | $326M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Harvesters Federal Credit Union | Cantonment, FL | $317M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Minnesota Valley Federal Credit Union | Mankato, MN | $329M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Nebraska Energy Federal Credit Union | Columbus, NE | $328M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Northwest Plus Federal Credit Union | Everett, WA | $315M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Oc Federal Credit Union | Garfield Hts, OH | $315M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pacific N W Federal Credit Union | Portland, OR | $317M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| People'S Alliance Federal Credit Union | Hauppauge, NY | $322M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Preferred Federal Credit Union | Grand Rapids, MI | $318M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Riverfront Federal Credit Union | Wyomissing, PA | $320M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Riverland Federal Credit Union | New Orleans, LA | $320M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Soo Co-Op Federal Credit Union | Sault Sainte Marie, MI | $324M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ume Federal Credit Union | Burbank, CA | $328M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| United Teletech Financial Federal Credit Union | Tinton Falls, NJ | $328M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vacationland Federal Credit Union | Sandusky, OH | $327M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Vapr Federal Credit Union | San Juan, PR | $316M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 15 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 26, 2026.
Monthly maintenance fee in dollars, one mark per institution
Secny 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 26, 2026. Total assets from FDIC and NCUA records.
Call reports for Secny 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 | $244K | +$28K | +13.0% |
| Q1 2026 | $216K | −$28K | −11.5% |
| Q4 2025 | $244K | $0 | 0.0% |
| Q3 2025 | $244K | +$8K | +3.4% |
| Q2 2025 | $236K | +$25K | +11.8% |
| Q1 2025 | $211K | −$25K | −10.6% |
| Q4 2024 | $236K | +$2K | +0.9% |
| Q3 2024 | $234K | +$18K | +8.3% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Secny 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 Secny Federal Credit Union by share.
Amounts from Secny Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed (within 90 days of opening) | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment/Abandoned Property | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Account Fee (after 1 year) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return mail fee (audience not stated, treated as personal) | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Courtesy Pay Fee | $15Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF (Non-Sufficient Funds) | $15Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Item Fee | $15Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| International ATM/Debit Transaction | $2Inside the U.S. middle 50% ($0 to $2.38 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee (outgoing) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| International Wire Transfer | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Issue Cashiers Check | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Online Bill Pay Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment (Cashier’s Check) | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Zelle Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Draft/Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Online Bill Pay "Same Day" Bill Payment | $12Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Online Bill Pay Overnight Check | $20Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Zelle® "Send" | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Item Return Fee | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Legal Processing Fee (garnishments, tax levies, etc.) | $75Inside the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
| Subordination Fee | $150Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Account Closed (within 1 yr. of opening) | $40Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
| IRA Transfer Fee | $40Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy Fee | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Line of Credit Check NSF/Overlimit | $15Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Mortgage Payoff Request | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed (within 90 days of opening) | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment/Abandoned Property | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Account Fee (after 1 year) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $1 | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay Fee | $15Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF (Non-Sufficient Funds) | $15Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Item Fee | $15Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| International ATM/Debit Transaction | $2Inside the U.S. middle 50% ($0 to $2.38 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee (outgoing) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| International Wire Transfer | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Issue Cashiers Check | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Online Bill Pay Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment (Cashier’s Check) | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Zelle Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Draft/Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Online Bill Pay "Same Day" Bill Payment | $12Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Online Bill Pay Overnight Check | $20Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Zelle® "Send" | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Item Return Fee | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Legal Processing Fee (garnishments, tax levies, etc.) | $75Inside the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
| Subordination Fee | $150Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Account Closed (within 1 yr. of opening) | $40Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
| IRA Transfer Fee | $40Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy Fee | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Line of Credit Check NSF/Overlimit | $15Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Mortgage Payoff Request | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 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 Secny Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
7 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Syracuse, NY | 2 |
| Baldwinsville, NY | 1 |
| Frisco, TX | 1 |
| Manlius, NY | 1 |
| North Syracuse, NY | 1 |
| Skaneateles, NY | 1 |
Largest competitors nearby
Local market: Onondaga county, NY, around its headquarters.
| 24 in its local market | Deposit share |
|---|---|
| Manufacturers and Traders Trust Company | 26.9% |
| KeyBank National Association | 17.3% |
| JPMorgan Chase Bank, National Association | 12.6% |
| Bank of America, National Association | 9% |
| Solvay Bank | 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.