Local 804 Federal Credit Union

Headquarters: Port Washington, New York
Charter: Credit Union
Assets: $22.5M
Fed district: New York
Regulator: NCUA

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

Source: its fee schedule, read Oct 10, 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 10, 2026

How these figures are measured

Call-report figures are for Local 804 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 804 Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 10, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Local 804 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 $55K in Q2 2026, 9.8% below the same quarter a year earlier ($61K).
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.

NSF / Returned Item
Local 804 Federal Credit Union: $25
Local 804 Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic Out)
Local 804 Federal Credit Union: $30
Local 804 Federal Credit Union: $30
U.S. median: no median
OD Protection Transfer
Local 804 Federal Credit Union: $1
Local 804 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 10, 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 fell 14% from Q3 2025 to Q2 2026, to $55K.

Fee income, Q2 2026

$55K

$64KQ3 2025

$59KQ4 2025

$58KQ1 2026

$55KQ2 2026

Against the median

Local 804 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 804 Federal Credit Union · $22M 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
$22M to $23M 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
Local 804 Federal Credit Union(this institution)	Port Washington, NY	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
American Pride Federal Credit Union	Altoona, PA	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Coopers Cave Federal Credit Union	Glens Falls, NY	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Essex County Teachers Federal Credit Union	Bloomfield, NJ	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Express Federal Credit Union	Seattle, WA	$23M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Fayette County School Employees Federal Credit Union	Uniontown, PA	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Glynn County Federal Employees	Brunswick, GA	$23M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Ibew/Sj Cascade Federal Credit Union	Salem, OR	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Main Impact Federal Credit Union	Murray, KY	$23M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mcmurrey Federal Credit Union	Tyler, TX	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Members 1St Federal Credit Union	Brattleboro, VT	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Metro North Federal Credit Union	Jacksonville, FL	$22M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mid-State Federal Credit Union	Carteret, NJ	$23M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mopac Employees Federal Credit Union	Palestine, TX	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ontario Public Employees Federal Credit Union	Ontario, CA	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Priority Plus Federal Credit Union	Wilmington, DE	$23M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Special Metals Federal Credit Union	New Hartford, NY	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Steel Valley Federal Credit Union	Cleveland, OH	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Strategic Federal Credit Union	Sterling, VA	$23M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tandem Federal Credit Union	Warren, MI	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Trades & Labor Federal Credit Union	Albert Lea, MN	$23M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
United Churches Federal Credit Union	Taylor, MI	$22M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Warren Municipal Federal Credit Union	Warren, MI	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
West Penn P&P Federal Credit Union	Beaver, PA	$23M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Wheat State Federal Credit Union	Wichita, KS	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Wolf Point Federal Credit Union	Wolf Point, MT	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(out-of-network atm)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Local 804 Federal Credit Union does not publish an out-of-network ATM fee in the index.

The peer median is $1.50 among 12 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 Oct 30, 2026.

Out-of-network ATM fee in dollars, one mark per institution

Local 804 Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.

Local 804 Federal Credit…Peer (equal prices stack)Peer medianInclude $5.50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 30, 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 804 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: $55K
vs prior quarter: −$3K−5.2%; from Q1 2026
vs a year earlier: −$6K−9.8%; from Q2 2025
vs start of range: −$11K−16.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Local 804 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	$55K	−$3K	−5.2%
Q1 2026	$58K	−$1K	−1.7%
Q4 2025	$59K	−$5K	−7.8%
Q3 2025	$64K	+$3K	+4.9%
Q2 2025	$61K	+$1K	+1.7%
Q1 2025	$60K	−$7K	−10.4%
Q4 2024	$67K	+$1K	+1.5%
Q3 2024	$66K	+$6K	+10.0%

Fee-income share against its size cohort

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

Published fee schedule

Amounts from Local 804 Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant Account Fee$15
per month · Charged if no deposits or withdrawals for one year or longer
Account Research Fee$15
Not compared: Charged per hour; comparison unavailable
per hour
High Yield Savings Excessive Transfer Fee$15
per transaction

Overdraft & NSF

Insufficient Funds Fee (Max of 5 per Business Day)$25
per item
Negative Balance Fee (After 14 Calendar Day grace period)$2
per day
Overdraft Transfer Fee (For ATM and Debit Card transactions ONLY, when funds are available in your savings)$1

ATM & Card

Lost or Stolen Debit/ATM Card Fee$10
per item
ATM/Debit Card Expediting$55

Wire Transfers

Outgoing Domestic Wire Fee$30

Check Services

Temporary Check Issue Fee$2
Not compared: Charged per page; comparison unavailable
per page
Check Image Reprint Fee$5
per item

Cash & Deposit

Returned Check Deposit Fee (Chargebacks)$25
per item

Lending Fees

Late Payment Fee$35

Other Fees

Statement Reprint Fee$2
Not compared: Charged per page; comparison unavailable
per page
Loan Application Fee (Including Co-Signers)$25
Skip-A-Pay$30

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Fee	$15	per month	Charged if no deposits or withdrawals for one year or longer
Account Research Fee	$15Not compared: Charged per hour; comparison unavailable	per hour	None
High Yield Savings Excessive Transfer Fee	$15	per transaction	None
Overdraft & NSF
Insufficient Funds Fee (Max of 5 per Business Day)	$25	per item	None
Negative Balance Fee (After 14 Calendar Day grace period)	$2	per day	None
Overdraft Transfer Fee (For ATM and Debit Card transactions ONLY, when funds are available in your savings)	$1	Not stated	None
ATM & Card
Lost or Stolen Debit/ATM Card Fee	$10	per item	None
ATM/Debit Card Expediting	$55	Not stated	None
Wire Transfers
Outgoing Domestic Wire Fee	$30	Not stated	None
Check Services
Temporary Check Issue Fee	$2Not compared: Charged per page; comparison unavailable	per page	None
Check Image Reprint Fee	$5	per item	None
Cash & Deposit
Returned Check Deposit Fee (Chargebacks)	$25	per item	None
Lending Fees
Late Payment Fee	$35	Not stated	None
Other Fees
Statement Reprint Fee	$2Not compared: Charged per page; comparison unavailable	per page	None
Loan Application Fee (Including Co-Signers)	$25	Not stated	None
Skip-A-Pay	$30	Not stated	None

Correct a fee source

Oct 10, 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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