I Am Federal Credit Union

Headquarters: New York, New York
Charter: Credit Union
Assets: $103.2M
Fed district: New York
Regulator: NCUA

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

Source: its fee schedule, read Oct 15, 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 15, 2026

How these figures are measured

Call-report figures are for I Am 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.	I Am Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 15, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: I Am 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 $205K in Q2 2026, 1.0% below the same quarter a year earlier ($207K).
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.

Overdraft (OD)
I Am Federal Credit Union: $25
I Am Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
I Am Federal Credit Union: $1
I Am Federal Credit Union: $1
U.S. median: no median
Stop Payment
I Am Federal Credit Union: $25
I Am Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 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 3.5% from Q3 2025 to Q2 2026, to $205K.

Fee income, Q2 2026

$205K

$198KQ3 2025

$197KQ4 2025

$186KQ1 2026

$205KQ2 2026

Against the median

I Am 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

I Am Federal Credit Union · $103M 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
$100M to $106M 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
I Am Federal Credit Union(this institution)	New York, NY	$103M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Advantage Financial Federal Credit Union	Washington, DC	$103M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Archer Cooperative Federal Credit Union	Archer, NE	$103M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cherokee Strip Federal Credit Union	Ponca City, OK	$106M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Civic Central Federal Credit Union	Jefferson City, MO	$105M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Common Trust Federal Credit Union	Woburn, MA	$101M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community First Federal Credit Union	Ashtabula, OH	$100M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Star Federal Credit Union	Elyria, OH	$103M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Compass Federal Credit Union	Oswego, NY	$101M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Connect Credit Union	Fort lauderdale, FL	$103M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Crossroads Financial Federal Credit Union	Portland, IN	$102M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First Watch Federal Credit Union	Abilene, TX	$105M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Four Seasons Federal Credit Union	Opelika, AL	$104M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Gardiner Federal Credit Union	Gardiner, ME	$101M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Glendale Federal Credit Union	Glendale, CA	$103M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Greater Chautauqua Federal Credit Union	Falconer, NY	$102M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hawaii Federal Credit Union	Honolulu, HI	$104M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Healthcare First Credit Union	Johnstown, PA	$101M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Ko`Olau Federal Credit Union	Kailua, HI	$104M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Marin County Federal Credit Union	San Rafael, CA	$104M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Midland Federal Credit Union	Urbandale, IA	$101M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Money One Federal Credit Union	Largo, MD	$105M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Railroad Federal Credit Union	Irondale, AL	$101M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Serve Federal Credit Union	Des Moines, IA	$101M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tewksbury Federal Credit Union	Tewksbury, MA	$101M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Vue Community Federal Credit Union	Bismarck, ND	$106M	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 · 14 publish this fee(out-of-network atm)

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

Fee type

Peer pricing snapshot

Out-of-network ATM is broadly aligned with similar-sized credit unions: within 1% of their median.

Compared at $1, the middle of its three prices, against a peer median of $1 among 14 publishing peers.

Its three prices are $1, $1 and $1.

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 31, 2026.

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

I Am Federal Credit Union: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer medianInclude $4 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 Oct 31, 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 I Am 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: $205K
vs prior quarter: +$19K+10.2%; from Q1 2026
vs a year earlier: −$2K−1.0%; from Q2 2025
vs start of range: +$11K+5.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: I Am 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	$205K	+$19K	+10.2%
Q1 2026	$186K	−$11K	−5.6%
Q4 2025	$197K	−$1K	−0.5%
Q3 2025	$198K	−$9K	−4.3%
Q2 2025	$207K	+$18K	+9.5%
Q1 2025	$189K	−$7K	−3.6%
Q4 2024	$196K	+$2K	+1.0%
Q3 2024	$194K	−$7K	−3.5%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Monthly Low Balance Fee$1
per month
Account Closing Fee within 90 days$15
Abandoned Property$50
Inactive/Dormant Account Monthly Fee$5
per month
Undeliverable Mail$2
Paper Statement$3
Undeliverable Mail$2

Overdraft & NSF

Courtesy Pay$25

ATM & Card

ATM Service Charge after 3 transfers$1
ATM Service Charge after 4 withdrawals$1
Balance Inquiry$1
Replacement ATM/Check Cards$5
per item

Check Services

Check Stop Payment$25
Electronic Transfer Stop Payment$25
Photocopy Charge (per check)$5
per item

Account Services

Tax Levy/Subpoena$30

Lending Fees

Overdraft Line of Credit Late Payment Fee$15
Credit Report Fee$10

Other Fees

Photocopy Charge (per statement period)$7
Not compared: Monthly charge, not per item
per month
Short Term Loan Application Fee$15

Fee	Amount	Basis	Note
Account Maintenance
Monthly Low Balance Fee	$1	per month	None
Account Closing Fee within 90 days	$15	Not stated	None
Abandoned Property	$50	Not stated	None
Inactive/Dormant Account Monthly Fee	$5	per month	None
Undeliverable Mail	$2	Not stated	None
Paper Statement	$3	Not stated	None
Undeliverable Mail	$2	Not stated	None
Overdraft & NSF
Courtesy Pay	$25	Not stated	None
ATM & Card
ATM Service Charge after 3 transfers	$1	Not stated	None
ATM Service Charge after 4 withdrawals	$1	Not stated	None
Balance Inquiry	$1	Not stated	None
Replacement ATM/Check Cards	$5	per item	None
Check Services
Check Stop Payment	$25	Not stated	None
Electronic Transfer Stop Payment	$25	Not stated	None
Photocopy Charge (per check)	$5	per item	None
Account Services
Tax Levy/Subpoena	$30	Not stated	None
Lending Fees
Overdraft Line of Credit Late Payment Fee	$15	Not stated	None
Credit Report Fee	$10	Not stated	None
Other Fees
Photocopy Charge (per statement period)	$7Not compared: Monthly charge, not per item	per month	None
Short Term Loan Application Fee	$15	Not stated	None

Correct a fee source

Oct 15, 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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