First Choice Financial Federal Credit Union

Headquarters: Gloversville, New York
Charter: Credit Union
Assets: $183.7M
Fed district: New York

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

Source: its fee schedule, read Oct 23, 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 23, 2026

How these figures are measured

Call-report figures are for First Choice Financial 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.	First Choice Financial Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 23, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: First Choice Financial 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 $160K in Q2 2026, 13% above the same quarter a year earlier ($142K).
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)
First Choice Financial Federal Credit Union: $15
First Choice Financial Federal Credit Union: $15
U.S. median: no median
Non-Network ATM
First Choice Financial Federal Credit Union: $1
First Choice Financial Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
First Choice Financial Federal Credit Union: $25
First Choice Financial Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 23, 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 rose 3.9% from Q3 2025 to Q2 2026, to $160K.

Fee income, Q2 2026

$160K

$154KQ3 2025

$167KQ4 2025

$153KQ1 2026

$160KQ2 2026

Against the median

First Choice Financial 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

First Choice Financial Federal Credit Union · $184M 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
$180M to $187M 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
First Choice Financial Federal Credit Union(this institution)	Gloversville, NY	$184M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alden Federal Credit Union	Chicopee, MA	$185M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Appalachian Community Federal Credit Union	Kingsport, TN	$183M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Century Federal Credit Union	Saint Louis, MO	$182M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Chemcel Federal Credit Union	Bishop, TX	$184M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Nebraska Federal Credit Union	Omaha, NE	$184M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Greenville Heritage Federal Credit Union	Greenville, SC	$181M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heritage South Federal Credit Union	Sylacauga, AL	$184M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Horizon Utah Federal Credit Union	Farmington, UT	$185M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Infirst Federal Credit Union	Alexandria, VA	$186M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Johnsonville Tva Employees Federal Credit Union	Camden, TN	$181M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Journey Federal Credit Union	Saint Johns, MI	$187M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lincone Federal Credit Union	Lincoln, NE	$184M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Magnolia Federal Credit Union	Jackson, MS	$186M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members' Advantage Federal Credit Union	Wisconsin Rapids, WI	$185M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Miami Postal Service Federal Credit Union	Miami, FL	$184M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mid Carolina Federal Credit Union	Lugoff, SC	$182M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Priority First Federal Credit Union	Du Bois, PA	$187M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Regional Federal Credit Union	Winfield, IN	$180M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Rio Grande Valley Credit Union	Harlingen, TX	$180M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Safe Harbor Federal Credit Union	Ludington, MI	$184M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
South Metro Federal Credit Union	Prior Lake, MN	$185M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Southwest Louisiana Federal Credit Union	Lake Charles, LA	$183M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Ufcw Community Federal Credit Union	Wyoming, PA	$181M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Western Sun Federal Credit Union	Broken Arrow, OK	$181M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Xcel Federal Credit Union	Bloomfield, NJ	$186M	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 · 13 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

First Choice Financial Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5.50 among 13 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 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

First Choice Financial Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

First Choice Financial Fe…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 3, 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 First Choice Financial 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: $160K
vs prior quarter: +$7K+4.6%; from Q1 2026
vs a year earlier: +$18K+12.7%; from Q2 2025
vs start of range: +$20K+14.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: First Choice Financial 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	$160K	+$7K	+4.6%
Q1 2026	$153K	−$14K	−8.4%
Q4 2025	$167K	+$13K	+8.4%
Q3 2025	$154K	+$12K	+8.5%
Q2 2025	$142K	+$5K	+3.6%
Q1 2025	$137K	−$16K	−10.5%
Q4 2024	$153K	+$13K	+9.3%
Q3 2024	$140K	−$19K	−11.9%

Fee-income share against its size cohort

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

Published fee schedule

Amounts from First Choice Financial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closed Account Fee$25
Escheat Processing Fee$25
Inactive Account Fee$5
per month
Account Research – 1st free$25
Not compared: Charged per hour; comparison unavailable
per hour
Incorrect Address Fee$2

Overdraft & NSF

Courtesy Pay (CPAY)$15
per item

ATM & Card

ATM Withdrawal Transactions$1
per item
Debit Card Replacement Fee$5
Debit Card Replacement RUSH Fee$40
Foreign transaction fee (multiple currency) (audience not stated, treated as personal)1%of the transaction

Wire Transfers

WIRE TRANSFER: Domestic Outgoing$25
WIRE TRANSFER: International Outgoing$40

Check Services

Bank Checks – 1st free$1
per item
Money Orders$1
per item
Stop Payment Bank Check$25
Copy of Bank Check$2
Copy of Paid Draft$2

Account Services

Restraining Notice/Legal Processing/Levies$50

Retirement & IRA

IRA Transfer/Closeout Fee$25

Other Fees

Photocopy of Open or Closed Account$2
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Closed Account Fee	$25	Not stated	None
Escheat Processing Fee	$25	Not stated	None
Inactive Account Fee	$5	per month	None
Account Research – 1st free	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Incorrect Address Fee	$2	Not stated	None
Overdraft & NSF
Courtesy Pay (CPAY)	$15	per item	None
ATM & Card
ATM Withdrawal Transactions	$1	per item	None
Debit Card Replacement Fee	$5	Not stated	None
Debit Card Replacement RUSH Fee	$40	Not stated	None
Foreign transaction fee (multiple currency) (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
WIRE TRANSFER: Domestic Outgoing	$25	Not stated	None
WIRE TRANSFER: International Outgoing	$40	Not stated	None
Check Services
Bank Checks – 1st free	$1	per item	None
Money Orders	$1	per item	None
Stop Payment Bank Check	$25	Not stated	None
Copy of Bank Check	$2	Not stated	None
Copy of Paid Draft	$2	Not stated	None
Account Services
Restraining Notice/Legal Processing/Levies	$50	Not stated	None
Retirement & IRA
IRA Transfer/Closeout Fee	$25	Not stated	None
Other Fees
Photocopy of Open or Closed Account	$2Not compared: Charged per page; comparison unavailable	per page	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 23, 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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