Compared with New York
9 of 18
compared fees are above the median.
6 below, 3 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
83rd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 18 compared; 6 below, 3 about the same
See the feesFee 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) 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. | 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 14% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (83rd 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 $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.
9 of 18 compared published fees sit above the New York median; 6 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.
Monthly Maintenance
Compared at $3.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
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. Its share of revenue, 14%, is above the 7.2% median for credit unions with under $300M in assets.
$55K
Tri-Lakes 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.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $2 to $5; we compare the midpoint.
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% |
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, Tri-Lakes 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 Tri-Lakes Federal Credit Union by share.
Amounts from Tri-Lakes Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per hour
per item
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| D/B/A monthly maintenance fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fees Only | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early close out fee (less than 180 days) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account fee (monthly after 12 mos) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $25Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft/NSF fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Savings Overdraft fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Debit NSF transaction fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft/NSF fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Replacement Debit Card | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire transfer – outgoing | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire transfer – incoming | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Certified Check fee | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official/Cashier Check | $4Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| ACH stop payments | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Official Check Stop Payment/Lost Checks | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop payment fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Copy of draft | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Unauthorized ACH Fee | $35Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Cash & Deposit | |||
| Return item fee | $20Inside the U.S. middle 50% ($9 to $25 nationally) | 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 | $60Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| Protest fee | $25Below the U.S. middle 50% ($50 to $150 nationally) | per item | None |
Retirement & IRA | |||
| IRA Annual fee | $20Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA Close-Out transfer fee | $20Below the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement copy fee (per month) | $5Not compared: Monthly charge, not per item | per month | None |
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per hour
per item
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| D/B/A monthly maintenance fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fees Only | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early close out fee (less than 180 days) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account fee (monthly after 12 mos) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $25Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft/NSF fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Savings Overdraft fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Debit NSF transaction fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft/NSF fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Return item for Business accounts | $20 | Not stated | None |
ATM & Card | |||
| Replacement Debit Card | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire transfer – outgoing | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire transfer – incoming | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Certified Check fee | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official/Cashier Check | $4Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| ACH stop payments | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Official Check Stop Payment/Lost Checks | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop payment fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Copy of draft | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Unauthorized ACH Fee | $35Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Cash & Deposit | |||
| Return item fee | $20Inside the U.S. middle 50% ($9 to $25 nationally) | 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 | $60Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| Protest fee | $25Below the U.S. middle 50% ($50 to $150 nationally) | per item | None |
Retirement & IRA | |||
| IRA Annual fee | $20Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA Close-Out transfer fee | $20Below the U.S. middle 50% ($25 to $35 nationally) | 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.
Where Tri-Lakes Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Lake Placid, NY | 1 |
| Saranac Lake, NY | 1 |
Largest competitors nearby
Local market: Franklin and Essex counties, NY, around its headquarters.
| 10 in its local market | Deposit share |
|---|---|
| Community Bank, National Association | 38.5% |
| Champlain National Bank | 19.9% |
| NBT Bank, National Association | 19.5% |
| Arrow Bank National Association | 10.7% |
| KeyBank National Association | 6.2% |
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.