Compared with New York
3 of 17
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
14th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 17 compared; 12 below, 2 about the same
See the feesFee schedule read Oct 6, 2026
Call-report figures are for Suny Fredonia 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. | Suny Fredonia Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 6, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 2.3% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (14th 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 $13K in Q2 2026, 24% below the same quarter a year earlier ($17K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 17 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.
Wire Transfer (Int'l Out)
Compared at $80, the middle of its prices
Wire Transfer (Domestic Out)
Stop Payment
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 fell 19% from Q3 2025 to Q2 2026, to $13K. Its share of revenue, 2.3%, is below the 7.2% median for credit unions with under $300M in assets.
$13K
Suny Fredonia 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 2,932 credit unions with under $300M in assets, Q2 2026.
Suny Fredonia Federal Credit Union · $48M 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Suny Fredonia Federal Credit Union(this institution) | Fredonia, NY | $48M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Afl Cio Employees Federal Credit Union | Washington, DC | $48M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bridgeton Onized Federal Credit Union | Cedarville, NJ | $50M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Census Federal Credit Union | Suitland, MD | $49M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central Valley Firefighters Federal Credit Union | Fresno, CA | $49M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Children'S Medical Center Federal Credit Union | Cincinnati, OH | $47M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| District Of Columbia Teachers Federal Credit Union | Washington, DC | $49M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Dow Great Western Federal Credit Union | Antioch, CA | $48M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Element Federal Credit Union | Charleston, WV | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Employees Federal Credit Union | Tulsa, OK | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Fresno Police Department Federal Credit Union | fresno, CA | $50M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Hampton Roads Educ Credit Union Inc | Hampton, VA | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Local 697 Federal Credit Union | Merrillville, IN | $49M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Lufkin Federal Credit Union | Lufkin, TX | $48M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Marisol Federal Credit Union | Phoenix, AZ | $49M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ocala Community Federal Credit Union | Ocala, FL | $49M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Skyline Financial Federal Credit Union | Waterbury, CT | $48M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Somerville Municipal Federal Credit Union | Somerville, MA | $49M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Southeastern Arizona Federal Credit Union | Douglas, AZ | $48M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southern Middlesex Co Tchrs Federal Credit Union | East Brunswick, NJ | $48M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Tammany Federal Credit Union | Slidell, LA | $47M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Star Financial Federal Credit Union | Corpus Christi, TX | $49M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Starr County Teachers Federal Credit Union | Rio Grande City, TX | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Stewart'S Federal Credit Union | Saratoga Springs, NY | $47M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Syracuse Cooperative Federal Credit Union | Syracuse, NY | $47M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Worcester Fire Dept. Federal Credit Union | Worcester, MA | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(out-of-network atm)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1 among 8 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 2, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Suny Fredonia Federal Credit Union does not publish an out-of-network atm 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 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Suny Fredonia 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 | $13K | −$2K | −13.3% |
| Q1 2026 | $15K | −$1K | −6.3% |
| Q4 2025 | $16K | $0 | 0.0% |
| Q3 2025 | $16K | −$1K | −5.9% |
| Q2 2025 | $17K | −$2K | −10.5% |
| Q1 2025 | $19K | +$1K | +5.6% |
| Q4 2024 | $18K | $0 | 0.0% |
| Q3 2024 | $18K | +$3K | +20.0% |
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, Suny Fredonia 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 Suny Fredonia Federal Credit Union by share.
Amounts from Suny Fredonia Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| 2 Year Account Inactivity Fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Additional Paper Statement Fee | $1Below the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Returned Mail | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
ATM & Card | |||
| Replacement Visa Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee (Outgoing) | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fee (Incoming) | $3Below the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer (Outgoing International-USD to Foreign Currency) | $65Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer (Outgoing International-USD to USD) | $95Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Corporate Check Fee | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Foreign Canadian Check Deposit | $2Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Drafts or ACH returned for NSF | $25Inside the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposit Item | $25Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Lending Fees | |||
| Loan Late Payment Fee | $10Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Early Withdrawal Fee | $20Below the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Lien Release | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 6, 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 Suny Fredonia 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.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Fredonia, NY | 1 |
Largest competitors nearby
Local market: Chautauqua county, NY, around its headquarters.
| 13 in its local market | Deposit share |
|---|---|
| Community Bank, National Association | 25.8% |
| Manufacturers and Traders Trust Company | 19.4% |
| Northwest Bank | 16.1% |
| Lake Shore Bank | 15.1% |
| KeyBank National Association | 14.3% |
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.