Local 41 I.B.E.W. Federal Credit Union

Headquarters: Orchard Park, New York
Charter: Credit Union
Assets: $19.4M
Fed district: New York
Regulator: NCUA

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

Source: its fee schedule, read Apr 21, 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 Apr 21, 2026

How these figures are measured

Call-report figures are for Local 41 I.B.E.W. 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.	Local 41 I.B.E.W. Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Apr 21, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Local 41 I.B.E.W. 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 $22K in Q2 2026, 69% above the same quarter a year earlier ($13K).
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.

Non-Network ATM
Local 41 I.B.E.W. Federal Credit Union: $1
Local 41 I.B.E.W. Federal Credit Union: $1
U.S. median: no median
Wire Transfer (Domestic Out)
Local 41 I.B.E.W. Federal Credit Union: $25
Local 41 I.B.E.W. Federal Credit Union: $25
U.S. median: no median
Stop Payment
Local 41 I.B.E.W. Federal Credit Union: $40
Local 41 I.B.E.W. Federal Credit Union: $40
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Apr 21, 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 22% from Q3 2025 to Q2 2026, to $22K.

Fee income, Q2 2026

$22K

$18KQ3 2025

$22KQ4 2025

$21KQ1 2026

$22KQ2 2026

Against the median

Local 41 I.B.E.W. 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

Local 41 I.B.E.W. Federal Credit Union · $19M 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 17 states.

Credit unions only
$19M to $20M in assets
Headquartered in 17 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
Local 41 I.B.E.W. Federal Credit Union(this institution)	Orchard Park, NY	$19M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Arh Federal Credit Union	Middlesboro, KY	$20M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bitterroot Community Federal Credit Union	Darby, MT	$19M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Corner Stone Federal Credit Union	lancaster, TX	$20M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Coteau Valley Federal Credit Union	Sisseton, SD	$19M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Crouse Federal Credit Union	Syracuse, NY	$20M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Dn Community Federal Credit Union	Canton, OH	$20M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Eastern Panhandle Federal Credit Union	Martinsburg, WV	$19M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Electric Cooperatives Federal Credit Union	Little Rock, AR	$19M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Frankfort Community Federal Credit Union	Frankfort, MI	$20M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Genuine Parts Federal Credit Union	Norcross, GA	$19M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Germania Federal Credit Union	Brenham, TX	$19M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Hamilton Horizons Federal Credit Union	Hamilton, NJ	$20M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Holy Family Memorial Federal Credit Union	Manitowoc, WI	$20M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hutchinson Government Employees Federal Credit Union	Hutchinson, KS	$20M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Lakota Federal Credit Union	Kyle, SD	$20M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Lcra Federal Credit Union	Austin, TX	$20M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Locomotive & Control Employees Federal Credit Union	Erie, PA	$20M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Newrizons Federal Credit Union	Hoquiam, WA	$19M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Port Arthur Community Federal Credit Union	Port Arthur, TX	$20M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Santo Christo Federal Credit Union	Fall River, MA	$19M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
St. Louis Policemen`S Federal Credit Union	saint louis, MO	$20M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Stanwood Area Federal Credit Union	New Stanton, PA	$19M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Summit Ridge Federal Credit Union	Lees Summit, MO	$19M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Temple-Inland Federal Credit Union	Diboll, TX	$20M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Family First Federal Credit Union	Great Falls, MT	$19M	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.

Fee type

Peer pricing snapshot

Out-of-network ATM is $0.50 (33%) below the median of similar-sized credit unions.

Its published price is $1, against a peer median of $1.50 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

Local 41 I.B.E.W. Federal…Peer (equal prices stack)Peer medianInclude $10 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's out-of-network atm fee

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.

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 Local 41 I.B.E.W. 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: $22K
vs prior quarter: +$1K+4.8%; from Q1 2026
vs a year earlier: +$9K+69.2%; from Q2 2025
vs start of range: +$2K+10.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Local 41 I.B.E.W. 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	$22K	+$1K	+4.8%
Q1 2026	$21K	−$1K	−4.5%
Q4 2025	$22K	+$4K	+22.2%
Q3 2025	$18K	+$5K	+38.5%
Q2 2025	$13K	−$10K	−43.5%
Q1 2025	$23K	+$4K	+21.1%
Q4 2024	$19K	−$1K	−5.0%
Q3 2024	$20K	+$2K	+11.1%

Fee-income share against its size cohort

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

Published fee schedule

Amounts from Local 41 I.B.E.W. Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account (no activity for 1 year)$10
per month
Paper Statement fee$3
Return Mail$5

Overdraft & NSF

Negative Balance Fee$5

ATM & Card

Nonproprietary ATM transaction$1
per transaction
Replace Visa Card$10
per item
Debit card with 2 day Rush Fee$50
per item · 2 day rush service
Replace ATM/Debit card with 2 day Rush$50

Wire Transfers

Wire: Outgoing Domestic$25
Wire: Incoming Domestic$10
Wire: Outgoing International$50
Wire: Incoming International$10

Check Services

Stop Payment on CU issued check$40
per item
Copy of Deposited Check$5
Copy of Draft$5

Cash & Deposit

Deposited Check Return$35
per item

Other Fees

Copy fee$1

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account (no activity for 1 year)	$10	per month	None
Paper Statement fee	$3	Not stated	None
Return Mail	$5	Not stated	None
Overdraft & NSF
Negative Balance Fee	$5	Not stated	None
ATM & Card
Nonproprietary ATM transaction	$1	per transaction	None
Replace Visa Card	$10	per item	None
Debit card with 2 day Rush Fee	$50	per item	2 day rush service
Replace ATM/Debit card with 2 day Rush	$50	Not stated	None
Wire Transfers
Wire: Outgoing Domestic	$25	Not stated	None
Wire: Incoming Domestic	$10	Not stated	None
Wire: Outgoing International	$50	Not stated	None
Wire: Incoming International	$10	Not stated	None
Check Services
Stop Payment on CU issued check	$40	per item	None
Copy of Deposited Check	$5	Not stated	None
Copy of Draft	$5	Not stated	None
Cash & Deposit
Deposited Check Return	$35	per item	None
Other Fees
Copy fee	$1	Not stated	None

Correct a fee source

Apr 21, 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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