Compared with New York
10 of 22
compared fees are above the median.
4 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
69th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 22 compared; 4 below, 8 about the same
See the feesFee schedule read Oct 5, 2026
Call-report figures are for Ufirst 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. | Ufirst Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 5, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 10% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (69th 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 $253K in Q2 2026, 20% above the same quarter a year earlier ($210K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
10 of 22 compared published fees sit above the New York median; 4 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.
OD Protection Transfer
Overdraft (OD)
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 rose 2.4% from Q3 2025 to Q2 2026, to $253K. Its share of revenue, 10%, is above the 7.2% median for credit unions with under $300M in assets.
$253K
Ufirst 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.
Ufirst Federal Credit Union · $129M 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 22 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Ufirst Federal Credit Union(this institution) | Plattsburgh, NY | $129M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Allentown Federal Credit Union | Allentown, PA | $128M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Auburn Community Federal Credit Union | Auburn, NY | $126M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bragg Mutual Federal Credit Union | Fayetteville, NC | $131M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Clean Energy Federal Credit Union | Englewood, CO | $130M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Coconino Federal Credit Union | Flagstaff, AZ | $126M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Crow Wing Power Federal Credit Union | Brainerd, MN | $126M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Firefighters & Company Federal Credit Union | Dayton, OH | $129M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Garden Island Federal Credit Union | Lihue, HI | $126M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heritage Valley Federal Credit Union | York, PA | $131M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Illinois State Police Federal Credit Union | Springfield, IL | $127M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| N A E Federal Credit Union | Chesapeake, VA | $126M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Nesc Federal Credit Union | Methuen, MA | $126M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| North Iowa Community Federal Credit Union | Mason City, IA | $128M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Peoples Federal Credit Union | Nitro, WV | $131M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Plus Federal Credit Union | Las Vegas, NV | $126M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Russell Country Federal Credit Union | Great Falls, MT | $131M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Stagepoint Federal Credit Union | Laramie, WY | $131M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sun Federal Credit Union | Hollywood, FL | $129M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Health & Education Federal Credit Union | Lexington, KY | $126M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Tomah Area Federal Credit Union | Tomah, WI | $126M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Tri Boro Federal Credit Union | Munhall, PA | $131M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Triangle Federal Credit Union | Columbus, MS | $129M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| United Community Federal Credit Union | West Mifflin, PA | $129M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| United Community Federal Credit Union | Houston, TX | $128M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| University Of Nebraska Federal Credit Union | Lincoln, NE | $131M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6 among 11 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 25, 2026.
Monthly maintenance fee in dollars, one mark per institution
Ufirst 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 25, 2026. Total assets from FDIC and NCUA records.
Call reports for Ufirst 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 | $253K | +$39K | +18.2% |
| Q1 2026 | $214K | −$12K | −5.3% |
| Q4 2025 | $226K | −$21K | −8.5% |
| Q3 2025 | $247K | +$37K | +17.6% |
| Q2 2025 | $210K | +$19K | +9.9% |
| Q1 2025 | $191K | −$35K | −15.5% |
| Q4 2024 | $226K | +$16K | +7.6% |
| Q3 2024 | $210K | +$12K | +6.1% |
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, Ufirst 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 Ufirst Federal Credit Union by share.
Amounts from Ufirst 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
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed within 90 Days of Opening | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Holiday Club Early Closure Fee | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Reporting Abandoned Property to NYS | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Balancing Services | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay Fee (each) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Fund (NSF) Item (each) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Item Fee (Check or ACH) (per item) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft protection from savings to checking | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Replace Lost (Debit, Credit Card or Travel Card) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer (Outgoing) | $35Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic Wire Transfer (Incoming) | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire Transfer (Outgoing) | $35Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| International Incoming Wire Transfer | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Certified Check Fee | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order (per item) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payments (Checks and ACH) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing Fee (SUNY – Non-member) (audience not stated, treated as personal) | 1% | Not stated | None |
| Foreign Item Clearing Fee ($25 item minimum to fee) | $5Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy (per item) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay (Overnight Fee) | $14.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay (Same Day Payment) | $9.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay/Zelle/Transfer Now Services | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Return Deposit Item (per item) | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Lending Fees | |||
| Credit Card Payment Late Fee | $35Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Loan Payment Late Fee | $35Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Mortgage Payment Late Fee (audience not stated, treated as personal) | 2% | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee Out | $30Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Everyday Card (Reload Fee) | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| VISA Gift Card (Initial Load Fee) | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| VISA Travel Card (Reload Fee) | $2Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy (per month) | $10Not compared: Monthly charge, not per item | per month | None |
| Existing Loan Refinance (cash out) | $35Inside 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
Oct 5, 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 Ufirst Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 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
| Plattsburgh, NY | 2 |
| Champlain, NY | 1 |
Largest competitors nearby
Local market: Clinton county, NY, around its headquarters.
| 12 in its local market | Deposit share |
|---|---|
| Community Bank, National Association | 37.6% |
| TD Bank, National Association | 24.5% |
| KeyBank National Association | 14.8% |
| Arrow Bank National Association | 10.9% |
| NBT Bank, National Association | 6.3% |
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.