High Point Federal Credit Union

Headquarters: Olean, New York
Charter: Credit Union
Assets: $430.1M
Fed district: New York
Regulator: NCUA

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

Source: its fee schedule, read Oct 20, 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 20, 2026

How these figures are measured

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) 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.	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

Details

Source: NCUA 5300 call report
Entity: High Point 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 $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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
High Point Federal Credit Union: $27
High Point Federal Credit Union: $27
U.S. median: no median
NSF / Returned Item
High Point Federal Credit Union: $30
High Point Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
High Point Federal Credit Union: $1
High Point Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 20, 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 was about level from Q3 2025 to Q2 2026, at $403K.

Fee income, Q2 2026

$403K

$405KQ3 2025

$400KQ4 2025

$379KQ1 2026

$403KQ2 2026

Against the median

High Point 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

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.

Credit unions only
$421M to $441M in assets
Headquartered in 21 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
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.

Fee type

Peer pricing snapshot

High Point Federal Credit Union does not publish a monthly maintenance fee in the index.

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 5, 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.

High Point 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 5, 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 High Point 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: $403K
vs prior quarter: +$24K+6.3%; from Q1 2026
vs a year earlier: +$24K+6.3%; from Q2 2025
vs start of range: −$7K−1.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: High Point 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	$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%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Account Early Closeout Fee (within 6 months of opening)$5
Account Inactivity Fee (12 months with no account activity)$5
per month
Escheatment (Abandon Property)$20
Account Research/Reconciliation Fee (min. $10.00)$25
Not compared: Charged per hour; comparison unavailable
per hour
Mailed Paper Statement$1
per month
Incorrect Address$3
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Fee$27
per item
NSF Fee$30
per item
Negative Balance Fee (assessed every 15 consecutive days balance is negative)$7
Auto Transfer – Overdraft Program Fee$3
per item

ATM & Card

ATM - Non-proprietary ATM Fee$1
per item
ATM or Debit Card Replacement Fee$7
per item
Foreign transaction fee (multiple currency)1%of the transaction

Wire Transfers

Wire Transfer: Outgoing Domestic$20
per item
Wire Transfer: Incoming Domestic$5
per item
Wire Transfer: Outgoing International$100
per item
Wire Transfer: Incoming International$5
per item

Check Services

Cashier's/Teller Check$4
per item
Certified Teller Check$5
per item
Stop Payment$25
per item

Digital & Electronic

ACH Origination via Phone$2
per item
Bill Pay Return Fee$5
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

NSF Return Deposit Item$12
per item
NSF Return Deposit Item (Drawn on own account at another financial institution)$30
per item

Account Services

Notary Fee - MemberNo charge
Notary Fee - Non-Member$2
per item
Levies, Subpoena’s, and Restraining Order$100
per item

Other Fees

Statement Copy$2
Not compared: Charged per statement; comparison unavailable
per statement

Fee	Amount	Basis	Note
Account Maintenance
Account Early Closeout Fee (within 6 months of opening)	$5	Not stated	None
Account Inactivity Fee (12 months with no account activity)	$5	per month	None
Escheatment (Abandon Property)	$20	Not stated	None
Account Research/Reconciliation Fee (min. $10.00)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Mailed Paper Statement	$1	per month	None
Incorrect Address	$3Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Fee	$27	per item	None
NSF Fee	$30	per item	None
Negative Balance Fee (assessed every 15 consecutive days balance is negative)	$7	Not stated	None
Auto Transfer – Overdraft Program Fee	$3	per item	None
ATM & Card
ATM - Non-proprietary ATM Fee	$1	per item	None
ATM or Debit Card Replacement Fee	$7	per item	None
Foreign transaction fee (multiple currency)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer: Outgoing Domestic	$20	per item	None
Wire Transfer: Incoming Domestic	$5	per item	None
Wire Transfer: Outgoing International	$100	per item	None
Wire Transfer: Incoming International	$5	per item	None
Check Services
Cashier's/Teller Check	$4	per item	None
Certified Teller Check	$5	per item	None
Stop Payment	$25	per item	None
Digital & Electronic
ACH Origination via Phone	$2	per item	None
Bill Pay Return Fee	$5Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
NSF Return Deposit Item	$12	per item	None
NSF Return Deposit Item (Drawn on own account at another financial institution)	$30	per item	None
Account Services
Notary Fee - Member	No charge	Not stated	None
Notary Fee - Non-Member	$2	per item	None
Levies, Subpoena’s, and Restraining Order	$100	per item	None
Other Fees
Statement Copy	$2Not compared: Charged per statement; comparison unavailable	per statement	None

Correct a fee source

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.

Fee change alerts

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