Compared with New York
5 of 19
compared fees are above the median.
12 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
32nd percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 19 compared; 12 below, 2 about the same
See the feesFee schedule read Oct 20, 2026
Call-report figures are for High Point 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. | High Point Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 20, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.2% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (32nd 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 $403K in Q2 2026, 6.3% above the same quarter a year earlier ($379K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 19 compared published fees sit above the New York median; 12 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.
Non-Network ATM
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 was about level from Q3 2025 to Q2 2026, at $403K. Its share of revenue, 6.2%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$403K
High Point 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.
High Point Federal Credit Union · $430M 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 21 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| High Point Federal Credit Union(this institution) | Olean, NY | $430M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1St Community Federal Credit Union | San Angelo, TX | $422M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Alcoa Tenn Federal Credit Union | Alcoa, TN | $427M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alliance Federal Credit Union | Fenton, MO | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| America'S Federal Credit Union | Garland, TX | $428M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| American Southwest Federal Credit Union | Sierra Vista, AZ | $440M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Carolina Trust Federal Credit Union | Myrtle Beach, SC | $422M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chessie Federal Credit Union | Cumberland, MD | $434M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Co-Op Credit Union of Montevideo | Montevideo, MN | $423M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coosa Pines Federal Credit Union | Childersburg, AL | $421M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cport Federal Credit Union | Portland, ME | $435M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dexsta Federal Credit Union | Wilmington, DE | $432M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Essential Federal Credit Union | Baton Rouge, LA | $434M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Glendale Area Schools Federal Credit Union | Glendale, CA | $422M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Honolulu Federal Credit Union | Honolulu, HI | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Membersfirst Federal Credit Union | Decatur, GA | $429M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mocse Federal Credit Union | Modesto, CA | $426M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Public Employees Federal Credit Union | Austin, TX | $431M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rocky Mountain Federal Credit Union | Helena, MT | $427M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Signature Federal Credit Union | Alexandria, VA | $421M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Streator Onized Federal Credit Union | Streator, IL | $423M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Taunton Federal Credit Union | Taunton, MA | $440M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Telco Community Credit Union | Candler, NC | $429M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texar Federal Credit Union | Texarkana, TX | $441M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ukrainian Federal Credit Union | Rochester, NY | $427M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Universal 1 Federal Credit Union | Dayton, OH | $425M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6 among 9 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.
Monthly maintenance fee in dollars, one mark per institution
High Point 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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for High Point 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 | $403K | +$24K | +6.3% |
| Q1 2026 | $379K | −$21K | −5.2% |
| Q4 2025 | $400K | −$5K | −1.2% |
| Q3 2025 | $405K | +$26K | +6.9% |
| Q2 2025 | $379K | +$29K | +8.3% |
| Q1 2025 | $350K | −$76K | −17.8% |
| Q4 2024 | $426K | +$16K | +3.9% |
| Q3 2024 | $410K | +$44K | +12.0% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, High Point 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 High Point Federal Credit Union by share.
Amounts from High Point Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
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per item
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Early Closeout Fee (within 6 months of opening) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Inactivity Fee (12 months with no account activity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment (Abandon Property) | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research/Reconciliation Fee (min. $10.00) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Mailed Paper Statement | $1Below the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Incorrect Address | $3Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft Fee | $27Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Negative Balance Fee (assessed every 15 consecutive days balance is negative) | $7Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Auto Transfer – Overdraft Program Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM - Non-proprietary ATM Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM or Debit Card Replacement Fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Foreign transaction fee (multiple currency) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer: Outgoing Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer: Incoming Domestic | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire Transfer: Outgoing International | $100Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Wire Transfer: Incoming International | $5Below the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Cashier's/Teller Check | $4Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Certified Teller Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination via Phone | $2Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Bill Pay Return Fee | $5Not compared: Per-item charge, not monthly | per item | None |
Cash & Deposit | |||
| NSF Return Deposit Item | $12Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| NSF Return Deposit Item (Drawn on own account at another financial institution) | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Fee - Member | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Fee - Non-Member | $2Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Levies, Subpoena’s, and Restraining Order | $100Above the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
Other Fees | |||
| Statement Copy | $2Not compared: Charged per statement; comparison unavailable | per statement | None |
Oct 20, 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 High Point Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
6 offices in 2 states (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
| Olean, NY | 2 |
| Allegany, NY | 1 |
| Bradford, PA | 1 |
| Little Valley, NY | 1 |
| Portville, NY | 1 |
Largest competitors nearby
Local market: Cattaraugus county, NY, around its headquarters.
| 12 in its local market | Deposit share |
|---|---|
| Community Bank, National Association | 54.1% |
| Five Star Bank | 22.1% |
| Cattaraugus County Bank | 12.5% |
| Manufacturers and Traders Trust Company | 5% |
| KeyBank National Association | 3.3% |
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.