Ulster Federal Credit Union

Headquarters: Kingston, New York
Charter: Credit Union
Assets: $179.0M
Fed district: New York
Regulator: NCUA

Explore Hamilton View published fees

Compared with New York

14 of 20

compared fees are above the median.

3 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
60th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 20 compared; 3 below, 3 about the same
See the fees
Fee schedule read Oct 23, 2026

How these figures are measured

Call-report figures are for Ulster 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.	Ulster 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: Ulster 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 8.7% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (60th 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 $163K in Q2 2026, 3.8% above the same quarter a year earlier ($157K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
14 of 20 compared published fees sit above the New York median; 3 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 York medians for fees published by banks and credit unions.

Non-Network ATM
Ulster Federal Credit Union: $2
Ulster Federal Credit Union: $2
New York median: $1.5085 publishNew York district median: $1.50116 publishU.S. median: $1.501,650 publish
Overdraft (OD)
Ulster Federal Credit Union: $35
Ulster Federal Credit Union: $35
New York median: $30101 publishNew York district median: $30145 publishU.S. median: $302,601 publish
NSF / Returned Item
Ulster Federal Credit Union: $35
Ulster Federal Credit Union: $35
New York median: $30140 publishNew York district median: $30194 publishU.S. median: $302,858 publish

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 1.2% from Q3 2025 to Q2 2026, to $163K. Its share of revenue, 8.7%, is above the 7.2% median for credit unions with under $300M in assets.

Fee income, Q2 2026

$163K

$161KQ3 2025

$171KQ4 2025

$165KQ1 2026

$163KQ2 2026

Against the median (NY for fees)

Share of revenue8.7% / 7.2%
Overdraft$35 / $30
Non‑network ATM$2 / $1.50

Ulster 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.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.

How much of the higher share comes from how often fees are charged, rather than what they cost?
Do waivers and balance requirements change what most customers actually pay?
Which fees make up most of fee income, and has that mix changed?

See a free sample report

Among its peers

Ulster Federal Credit Union · $179M 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 18 states.

Credit unions only
$175M to $183M in assets
Headquartered in 18 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
Ulster Federal Credit Union(this institution)	Kingston, NY	$179M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Achieve Financial Federal Credit Union	Berlin, CT	$176M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
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
Arize Federal Credit Union	State College, PA	$176M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Associated Healthcare Federal Credit Union	Woodbury, MN	$176M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Caro Federal Credit Union	Columbia, SC	$175M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	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
Code Federal Credit Union	Dayton, OH	$176M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Compass Community Federal Credit Union	Eureka, CA	$179M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Cornerstone Federal Credit Union	Freeport, IL	$177M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Diamond Valley Federal Credit Union	Evansville, IN	$179M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Ellafi Federal Credit Union	Middletown, CT	$178M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
Health Advantage Federal Credit Union	Saginaw, MI	$179M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
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
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
N.E.W. Federal Credit Union	Oconto Falls, WI	$178M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Naveo Federal Credit Union	Somerville, MA	$176M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Northwoods Federal Credit Union	Cloquet, MN	$175M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Police Federal Credit Union	Upper Marlboro, MD	$176M	Publishes Monthly maintenance	Publishes Out-of-network ATM	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
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
Trailnorth Federal Credit Union	Ticonderoga, NY	$180M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	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

✓ 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

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

The peer median is $5 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 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

Ulster Federal Credit Uni…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 Ulster 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: $163K
vs prior quarter: −$2K−1.2%; from Q1 2026
vs a year earlier: +$6K+3.8%; from Q2 2025
vs start of range: +$2K+1.2%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Ulster 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	$163K	−$2K	−1.2%
Q1 2026	$165K	−$6K	−3.5%
Q4 2025	$171K	+$10K	+6.2%
Q3 2025	$161K	+$4K	+2.5%
Q2 2025	$157K	−$6K	−3.7%
Q1 2025	$163K	+$2K	+1.2%
Q4 2024	$161K	$0	0.0%
Q3 2024	$161K	+$9K	+5.9%

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

Ulster Federal Credit Union: 8.7%
Percentile: 60th
25th percentile: 3.7%
Median: 7.2%
75th percentile: 11%

Ulster Federal Credit Union 8.7%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 Ulster 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 Ulster Federal Credit Union’s own schedules, with a source for each figure.

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

Account Maintenance

Account Closure$25
Inside the U.S. middle 50% ($10 to $25 nationally)
Inactive Account$5
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Account Reconciliation or Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Vacation Club - Excess Withdrawal$15
Not compared: Quarterly charge, not per item
per quarter
Returned Statement$10
Not compared: Per-item charge, not monthly
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closure	$25Inside the U.S. middle 50% ($10 to $25 nationally)	Not stated	None
Inactive Account	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Account Reconciliation or Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Vacation Club - Excess Withdrawal	$15Not compared: Quarterly charge, not per item	per quarter	None
Returned Statement	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Bounce Protection (ACH/Debit)	$35Above the U.S. middle 50% ($25 to $33 nationally)	per item	None
Courtesy Pay	$35Above the U.S. middle 50% ($25 to $33 nationally)	per item	None
Non-Sufficient Funds (NSF) Fee	$35Above the U.S. middle 50% ($25 to $32 nationally)	per item	None
Automatic Overdraft Transfer	$5Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
ATM & Card
Balance Inquiry	$2Inside the U.S. middle 50% ($1 to $2 nationally)	per item	None
Card Replacement - Debit or Credit	$15Above the U.S. middle 50% ($5 to $10 nationally)	per item	None
Wire Transfers
Wire Transfer – Outgoing Domestic	$30Above the U.S. middle 50% ($20 to $25 nationally)	per item	None
Wire Transfer – Outgoing Foreign	$40Inside the U.S. middle 50% ($40 to $50 nationally)	per item	None
Check Services
Credit Union Official Check	$5Inside the U.S. middle 50% ($3 to $6 nationally)	per item	None
Money Order	$5Above the U.S. middle 50% ($2 to $3 nationally)	per item	None
Stop Payment	$30Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Counter Check	$0.25Below the U.S. middle 50% ($1 to $4 nationally)	per item	None
Foreign Item Processing Fee	$25Inside the U.S. middle 50% ($10 to $26 nationally)	per item	None
Copy of Money Order or Credit Union Check	$5Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Copy of Paid Share Draft	$5Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Cash & Deposit
Deposited Item Return	$35Above the U.S. middle 50% ($9 to $25 nationally)	per item	None
Account Services
Key Replacement	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10” x 10”	$100Above the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box 10” x 10” (audience not stated, treated as personal)	$100Above the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box 3” x 10”	$60Inside the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box 3” x 10” (audience not stated, treated as personal)	$60Inside the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box 3” x 5”	$50Inside the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box 3” x 5” (audience not stated, treated as personal)	$50Inside the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box 5” x 10”	$75Above the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box 5” x 10” (audience not stated, treated as personal)	$75Above the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Late Charge	$5Not compared: Monthly charge, not annual	per month	None
Legal Process: Tax Levies, Summons	$100Above the U.S. middle 50% ($30 to $85 nationally)	Not stated	None
Subordination Fee	$100Inside the U.S. middle 50% ($50 to $150 nationally)	one time	None
Retirement & IRA
IRA Transfer	$5Not compared: Monthly charge, not per item	per month	None
Other Fees
Statement Copy	$6Not compared: Monthly charge, not per item	per month	None
Statement Printout	$5Not compared: Monthly charge, not per item	per month	None
Loan Refinance	$50Above 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

Showing 5 of 37 fees.

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.

Branches and public record

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

Branch footprint

5 offices in 2 states (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

1 is shown at the middle of its town until the exact address is found.

Cities with the most offices

Kingston, NY	3
Sandy, UT	1
Saugerties, NY	1

Largest competitors nearby

Local market: Ulster county, NY, around its headquarters.

17 in its local market	Deposit share
Ulster Savings Bank	19.1%
Wells Fargo Bank, National Association	16.7%
Manufacturers and Traders Trust Company	12%
Rondout Savings Bank	8.6%
Bank of America, National Association	7.8%

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

Fee change alerts

Ulster Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

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

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Ulster Federal Credit Union changes in our data