Local 1233 Federal Credit Union

Headquarters: Newark, New Jersey
Charter: Credit Union
Assets: $14.1M
Fed district: New York
Regulator: NCUA

Explore Hamilton View published fees

Compared with New Jersey

1 of 8

compared fees are above the median.

4 below, 3 about the same.

About the same: within 1% of the median.

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
22nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New Jersey median
of 8 compared; 4 below, 3 about the same
See the fees
Fee schedule read Oct 19, 2026

How these figures are measured

Call-report figures are for Local 1233 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 Jersey median	Published fees above the New Jersey median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Local 1233 Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 19, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Local 1233 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 3.3% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (22nd 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 $6K in Q2 2026, 14% below the same quarter a year earlier ($7K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
1 of 8 compared published fees sit above the New Jersey 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.

Fees against the market

Comparison with New Jersey medians for fees published by banks and credit unions.

Debit Card Replacement
Local 1233 Federal Credit Union: $6
Local 1233 Federal Credit Union: $6
New Jersey median: $7.2570 publishNew York district median: $10205 publishU.S. median: $102,744 publish
Excess Withdrawals
Local 1233 Federal Credit Union: $25
Local 1233 Federal Credit Union: $25
New Jersey median: $1013 publishNew York district median: $1034 publishU.S. median: $5527 publish
Loan Origination
Compared at $37.50, the middle of its prices
Local 1233 Federal Credit Union: $30 to $45
Local 1233 Federal Credit Union: $30 to $45
New Jersey median: $505 publishNew York district median: $2521 publishU.S. median: $35159 publish

Published schedulesBanks and credit unionsRead Oct 19, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Jersey, 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 Jersey: Banks and credit unions headquartered in New Jersey 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 fell 33% from Q3 2025 to Q2 2026, to $6K. Its share of revenue, 3.3%, is below the 7.2% median for credit unions with under $300M in assets.

Fee income, Q2 2026

$6K

$9KQ3 2025

$5KQ4 2025

$5KQ1 2026

$6KQ2 2026

Against the median

Share of revenue3.3% / 7.2%

Local 1233 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.

Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.

Is the lower share a matter of price, waivers, or a different mix of accounts?
Which fees make up most of fee income, and has that mix changed?

See a free sample report

Among its peers

Local 1233 Federal Credit Union · $14M 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.

Credit unions only
$13M to $15M in assets
Headquartered in 19 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
Local 1233 Federal Credit Union(this institution)	Newark, NJ	$14M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Acadiana Medical Federal Credit Union	Lafayette, LA	$14M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Blaw-Knox Federal Credit Union	Mattoon, IL	$13M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Cherokee County Teachers Federal Credit Union	Rusk, TX	$14M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Connecticut Labor Dept Federal Credit Union	Wethersfield, CT	$14M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Derry Area Federal Credit Union	Derry, PA	$14M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Dixie Line Federal Credit Union	Nashville, TN	$15M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fasson Employees Federal Credit Union	Painesville, OH	$14M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Four Corners Federal Credit Union	Kirtland, NM	$15M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Georgetown University Alumni And St Federal Credit Union	Washington, DC	$14M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Greater Kinston Federal Credit Union	Kinston, NC	$14M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Hialeah Municipal Employees Federal Credit Union	Hialeah, FL	$14M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
I B E W 175 Federal Credit Union	Chattanooga, TN	$14M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
L.A. Healthcare Federal Credit Union	Los Angeles, CA	$15M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Local 24 Employees Federal Credit Union	Pasadena, TX	$14M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Northeast Nebraska Federal Credit Union	Norfolk, NE	$14M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
P C Federal Credit Union	Port Allegany, PA	$14M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Quaker Oats Federal Credit Union	Cedar Rapids, IA	$13M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Romney Federal Credit Union	Romney, WV	$15M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Spojnia Federal Credit Union	Scranton, PA	$14M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
St Joe Valley Federal Credit Union	St Maries, ID	$14M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Teamsters Federal Credit Union	Blaine, MN	$13M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Two Rivers Federal Credit Union	Arkadelphia, AR	$14M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
United Association Federal Credit Union	Concord, CA	$14M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Vermilion Employees Federal Credit Union	Abbeville, LA	$15M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Wilmington Police & Fire Federal Credit Union	Wilmington, DE	$14M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(domestic wire)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Local 1233 Federal Credit Union does not publish a domestic wire fee in the index.

The peer median is $22.50 among 12 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 Nov 1, 2026.

Domestic wire fee in dollars, one mark per institution

Local 1233 Federal Credit Union does not publish a domestic wire fee, so it is not on this chart.

Local 1233 Federal Credit…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 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 Local 1233 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: $6K
vs prior quarter: +$1K+20.0%; from Q1 2026
vs a year earlier: −$1K−14.3%; from Q2 2025
vs start of range: −$1K−14.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Local 1233 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	$6K	+$1K	+20.0%
Q1 2026	$5K	$0	0.0%
Q4 2025	$5K	−$4K	−44.4%
Q3 2025	$9K	+$2K	+28.6%
Q2 2025	$7K	+$2K	+40.0%
Q1 2025	$5K	+$1K	+25.0%
Q4 2024	$4K	−$3K	−42.9%
Q3 2024	$7K	−$1K	−12.5%

Fee-income share against its size cohort

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, Local 1233 Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Local 1233 Federal Credit Union: 3.3%
Percentile: 22nd
25th percentile: 3.7%
Median: 7.2%
75th percentile: 11%

Local 1233 Federal Credit Union 3.3%Median 7.2%Middle half 3.7% to 11.4%Peers at each share21 above 30%, counted in the last bar

Find a peer (2,932)

The 15 closest to Local 1233 Federal Credit Union by share.

Details

Source: NCUA 5300 call report
Entity: Each credit union, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026), year to date
Measure: Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: Account 131 / (Account 115 + Account 117)

Published fee schedule

Amounts from Local 1233 Federal Credit Union’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Dormant account fee$5
Inside the U.S. middle 50% ($5 to $10 nationally)
Quarterly paper statement fee$5
Not compared: Quarterly charge, not monthly
per quarter
Excess withdrawal fee after 15 withdrawals$25
Above the U.S. middle 50% ($3 to $10 nationally)
Returned mail fee$5
Inside the U.S. middle 50% ($5 to $7.50 nationally)

ATM & Card

Debit card replacement fee (lost card)$6
Inside the U.S. middle 50% ($5 to $10 nationally)

Account Services

Verification of deposit$5
Inside the U.S. middle 50% ($5 to $15 nationally)

Lending Fees

Credit Report fee$45
Inside the U.S. middle 50% ($20.15 to $96.25 nationally)
Loan cancellation fee$30
Inside the U.S. middle 50% ($20.15 to $96.25 nationally)

Gift & Prepaid Cards

Debit card reload fee$3.50
Inside the U.S. middle 50% ($3 to $4.95 nationally)

Other Fees

Duplicate quarterly statements$5
Not compared: Quarterly charge, not per item
per quarter
Loan application fee$25
Inside the U.S. middle 50% ($20 to $37.50 nationally)

Fee	Amount	Basis	Note
Account Maintenance
Dormant account fee	$5Inside the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Quarterly paper statement fee	$5Not compared: Quarterly charge, not monthly	per quarter	None
Excess withdrawal fee after 15 withdrawals	$25Above the U.S. middle 50% ($3 to $10 nationally)	Not stated	None
Returned mail fee	$5Inside the U.S. middle 50% ($5 to $7.50 nationally)	Not stated	None
ATM & Card
Debit card replacement fee (lost card)	$6Inside the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Account Services
Verification of deposit	$5Inside the U.S. middle 50% ($5 to $15 nationally)	Not stated	None
Lending Fees
Credit Report fee	$45Inside the U.S. middle 50% ($20.15 to $96.25 nationally)	Not stated	None
Loan cancellation fee	$30Inside the U.S. middle 50% ($20.15 to $96.25 nationally)	Not stated	None
Gift & Prepaid Cards
Debit card reload fee	$3.50Inside the U.S. middle 50% ($3 to $4.95 nationally)	Not stated	None
Other Fees
Duplicate quarterly statements	$5Not compared: Quarterly charge, not per item	per quarter	None
Loan application fee	$25Inside the U.S. middle 50% ($20 to $37.50 nationally)	Not stated	None

Correct a fee source

Oct 19, 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.

Branches and public record

Where Local 1233 Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

1 office in 1 state (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

Cities with the most offices

Newark, NJ

Largest competitors nearby

Local market: Essex county, NJ, around its headquarters.

46 in its local market	Deposit share
Flagstar Bank, National Association	13.3%
JPMorgan Chase Bank, National Association	12.8%
Bank of America, National Association	10%
Wells Fargo Bank, National Association	9.8%
Valley National Bank	8.8%

Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.

Fee change alerts

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