18 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 16, 2026.
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 16, 2026
Call-report figures are for Tri-Lakes 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. | Tri-Lakes Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $55K in Q2 2026, 11% below the same quarter a year earlier ($62K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $3.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
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 9.8% from Q3 2025 to Q2 2026, to $55K.
$55K
Tri-Lakes Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Tri-Lakes Federal Credit Union · $29M in assets
Credit unions in the New York Fed district
Credit unions headquartered in the same Fed district, for comparing published prices.
Showing the 50 closest in assets of 197 peers; medians use all 197.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Tri-Lakes Federal Credit Union(this institution) | Saranac Lake, NY | $29M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Academic Federal Credit Union | Briarcliff Manor, NY | $34M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alliance Niagara Federal Credit Union | Sanborn, NY | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Brockport Federal Credit Union | Brockport, NY | $15M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cadets Federal Credit Union | Elma, NY | $18M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Canandaigua Federal Credit Union | Canandaigua, NY | $29M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Chen-Del-O Federal Credit Union | Franklin, NY | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Christiansted Federal Credit Union | Christiansted, VI | $34M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Community Financial Services Federal Credit Union | Roselle, NJ | $31M | Publishes Monthly maintenance | Out-of-network ATM not published | 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 |
| 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 |
| District #6 Federal Credit Union | Hornell, NY | $25M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| East Orange Va Hospital Federal Credit Union | East Orange, NJ | $20M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Fasny Federal Credit Union | Albany, NY | $18M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Gates Chili Federal Credit Union | Rochester, NY | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Gha Federal Credit Union | Greenwich, CT | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Gowanda Area Federal Credit Union | Gowanda, NY | $34M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Greenwich Municipal Employees Federal Credit Union | Greenwich, CT | $33M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jersey Central Federal Credit Union | Cranford, NJ | $25M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Lakehurst Naval Federal Credit Union | Lakehurst Naec, NJ | $38M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Le Roy Federal Credit Union | Le Roy, NY | $21M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Local 1233 Federal Credit Union | Newark, NJ | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Local 41 I.B.E.W. Federal Credit Union | Orchard Park, NY | $19M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Local 804 Federal Credit Union | Port Washington, NY | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lockport Schools & Community Federal Credit Union | Lockport, NY | $26M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Long Island Alliance Federal Credit Union | Hauppauge, NY | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Manville Area Federal Credit Union | Manville, NJ | $30M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Medisys Employees Federal Credit Union | Jamaica, NY | $33M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Members Federal Credit Union | Stamford, CT | $44M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mid-Island Federal Credit Union | Christiansted, VI | $18M | 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 |
| Niagara Regional Federal Credit Union | North Tonawanda, NY | $40M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Niagara-Wheatfield Federal Credit Union | Sanborn, NY | $21M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Norwalk Hospital Federal Credit Union | Norwalk, CT | $33M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Ny Firefighters Bravest Federal Credit Union | albany, NY | $24M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| O And R Utilities Employees Federal Credit Union | Monroe, NY | $35M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Olean Teachers' And Postal Federal Credit Union | Olean, NY | $28M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Parks Heritage Federal Credit Union | Glens Falls, NY | $42M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Public Service Federal Credit Union | Middlesex, NJ | $40M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Rome Federal Credit Union | Rome, NY | $34M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Solutions Federal Credit Union | Elmira, NY | $43M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | 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 |
| Spencerport Federal Credit Union | Spencerport, NY | $43M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Steuben Citizens Federal Credit Union | Bath, NY | $36M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Tompkins Employees Federal Credit Union | Ithaca, NY | $12M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Transfiguration Parish Federal Credit Union | Brooklyn, NY | $13M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Twin Rivers Federal Credit Union | Massena, NY | $39M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Utica District Telephone Employees Federal Credit Union | Utica, NY | $40M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Westchester Schools' Federal Credit Union | Rye Brook, NY | $41M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Westside Community Federal Credit Union | Churchville, NY | $26M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
197 peers selected · 48 publish this fee(monthly maintenance)
149 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $3.50, the middle of its two prices, against a peer median of $4.72 among 48 publishing peers.
Its two checking prices are $2 and $5.
$3.50 is a comparison price, not a fee anyone is charged.
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
Against this institution's monthly maintenance fee, among the 50 peers shown
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.
Call reports for Tri-Lakes 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 | $55K | +$2K | +3.8% |
| Q1 2026 | $53K | −$9K | −14.5% |
| Q4 2025 | $62K | +$1K | +1.6% |
| Q3 2025 | $61K | −$1K | −1.6% |
| Q2 2025 | $62K | +$5K | +8.8% |
| Q1 2025 | $57K | −$4K | −6.6% |
| Q4 2024 | $61K | +$6K | +10.9% |
| Q3 2024 | $55K | −$2K | −3.5% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Tri-Lakes Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per hour
per hour
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| D/B/A monthly maintenance fee | $5 | per month | None |
| Monthly Service Fees Only | $2 | per month | None |
| Early close out fee (less than 180 days) | $10 | Not stated | None |
| Dormant Account fee (monthly after 12 mos) | $5 | per month | None |
| Account reconciliation hourly fee | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account research per hour | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned statements after 3, tracer fee | $25 | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay | $35 | Not stated | None |
| Overdraft/NSF fee | $35 | Not stated | None |
| Savings Overdraft fee | $35 | Not stated | None |
| Debit NSF transaction fee | $35 | Not stated | None |
| Overdraft/NSF fee | $35 | per item | None |
ATM & Card | |||
| Replacement Debit Card | $15 | Not stated | None |
Wire Transfers | |||
| Wire transfer – outgoing | $30 | Not stated | None |
| Wire transfer – incoming | $25 | Not stated | None |
Check Services | |||
| Certified Check fee | $10 | Not stated | None |
| Official/Cashier Check | $4 | Not stated | None |
| ACH stop payments | $25 | Not stated | None |
| Official Check Stop Payment/Lost Checks | $25 | Not stated | None |
| Stop payment fee | $25 | per item | None |
| Copy of draft | $5 | Not stated | None |
Digital & Electronic | |||
| Unauthorized ACH Fee | $35 | per item | None |
Cash & Deposit | |||
| Return item fee | $20 | Not stated | None |
Account Services | |||
| Lost Safe Deposit Box key | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Drilling | $125Not compared: Box drilling or key fee | Not stated | None |
| Levies/Restraining notice processing fee | $60 | Not stated | None |
| Protest fee | $25 | per item | None |
Retirement & IRA | |||
| IRA Annual fee | $20 | per year | None |
| IRA Close-Out transfer fee | $20 | Not stated | None |
Other Fees | |||
| Statement copy fee (per month) | $5Not compared: Monthly charge, not per item | per month | None |
per month
per month
per month
per hour
per hour
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| D/B/A monthly maintenance fee | $5 | per month | None |
| Monthly Service Fees Only | $2 | per month | None |
| Early close out fee (less than 180 days) | $10 | Not stated | None |
| Dormant Account fee (monthly after 12 mos) | $5 | per month | None |
| Account reconciliation hourly fee | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account research per hour | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned statements after 3, tracer fee | $25 | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay | $35 | Not stated | None |
| Overdraft/NSF fee | $35 | Not stated | None |
| Savings Overdraft fee | $35 | Not stated | None |
| Debit NSF transaction fee | $35 | Not stated | None |
| Overdraft/NSF fee | $35 | per item | None |
| Return item for Business accounts | $20 | Not stated | None |
ATM & Card | |||
| Replacement Debit Card | $15 | Not stated | None |
Wire Transfers | |||
| Wire transfer – outgoing | $30 | Not stated | None |
| Wire transfer – incoming | $25 | Not stated | None |
Check Services | |||
| Certified Check fee | $10 | Not stated | None |
| Official/Cashier Check | $4 | Not stated | None |
| ACH stop payments | $25 | Not stated | None |
| Official Check Stop Payment/Lost Checks | $25 | Not stated | None |
| Stop payment fee | $25 | per item | None |
| Copy of draft | $5 | Not stated | None |
Digital & Electronic | |||
| Unauthorized ACH Fee | $35 | per item | None |
Cash & Deposit | |||
| Return item fee | $20 | Not stated | None |
Account Services | |||
| Lost Safe Deposit Box key | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Drilling | $125Not compared: Box drilling or key fee | Not stated | None |
| Levies/Restraining notice processing fee | $60 | Not stated | None |
| Protest fee | $25 | per item | None |
Retirement & IRA | |||
| IRA Annual fee | $20 | per year | None |
| IRA Close-Out transfer fee | $20 | Not stated | None |
Other Fees | |||
| Statement copy fee (per month) | $5Not compared: Monthly charge, not per item | per month | None |
Oct 16, 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.
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