Compared with New York
6 of 13
compared fees are above the median.
3 below, 4 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
17th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New York median
of 13 compared; 3 below, 4 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for Western Division 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. | Western Division 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 2.6% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (17th 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 $89K in Q2 2026, 9.9% above the same quarter a year earlier ($81K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 13 compared published fees sit above the New York median; 3 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.
Stop Payment
NSF / Returned Item
OD Protection Transfer
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 rose 8.5% from Q3 2025 to Q2 2026, to $89K. Its share of revenue, 2.6%, is below the 7.2% median for credit unions with under $300M in assets.
$89K
Western Division 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.
Western Division Federal Credit Union · $224M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Western Division Federal Credit Union(this institution) | Williamsville, NY | $224M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Acipco Federal Credit Union | Birmingham, AL | $221M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Autotruck Financial Federal Credit Union | Louisville, KY | $220M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cal-Com Federal Credit Union | Port Lavaca, TX | $226M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Campco Federal Credit Union | Gillette, WY | $228M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Canopy Federal Credit Union | Spokane, WA | $222M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Carolina Foothills Federal Credit Union | Spartanburg, SC | $224M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Chaffey Federal Credit Union | Upland, CA | $230M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Chrome Federal Credit Union | Canonsburg, PA | $224M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Clearpath Federal Credit Union | Burbank, CA | $229M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Expedition Federal Credit Union | Mendota Heights, MN | $223M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fort Mcclellan Federal Credit Union | Anniston, AL | $224M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| H E B Federal Credit Union | San Antonio, TX | $218M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Harris County Federal Credit Union | Houston, TX | $223M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hawaii Law Enforcement Federal Credit Union | Honolulu, HI | $230M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hometown Federal Credit Union | Kulm, ND | $223M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Midwest Members Federal Credit Union | Wood River, IL | $227M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| New Cumberland Federal Credit Union | New Cumberland, PA | $229M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Parda Federal Credit Union | Auburn Hills, MI | $217M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Stark Federal Credit Union | canton, OH | $218M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texasgulf Federal Credit Union | Wharton, TX | $220M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The People'S Federal Credit Union | Amarillo, TX | $229M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| U S #1364 Federal Credit Union | Merrillville, IN | $222M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Consumers Federal Credit Union | Independence, MO | $217M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Urw Community Federal Credit Union | Danville, VA | $224M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Westex Community Federal Credit Union | Kermit, TX | $231M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5.75 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 Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Western Division Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
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.
Call reports for Western Division 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 | $89K | +$6K | +7.2% |
| Q1 2026 | $83K | +$2K | +2.5% |
| Q4 2025 | $81K | −$1K | −1.2% |
| Q3 2025 | $82K | +$1K | +1.2% |
| Q2 2025 | $81K | +$3K | +3.8% |
| Q1 2025 | $78K | −$2K | −2.5% |
| Q4 2024 | $80K | +$4K | +5.3% |
| Q3 2024 | $76K | +$18K | +31.0% |
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, Western Division 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 Western Division Federal Credit Union by share.
Amounts from Western Division Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Inactivity (Per Quarter) | $10Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Research (Per Hour - Minimum $25.00) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Mail/Incorrect Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Non-Returned Item (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Withdrawal | $2Not compared: Monthly charge, not per item | per month | None |
| Card Replacement (Credit or Debit Card) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Card Expedited Delivery (3-5 Business Days) (Credit or Debit Card) | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Check Services | |||
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing (Non-Member, Per Check) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Copy (< 6 months/> 6 months) | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash Advance (Non-Western Division, Per Card) | $10Inside the U.S. middle 50% ($2 to $10 nationally) | per item | None |
Account Services | |||
| Notary Public Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Legal Order (Per Account-Tax Levy, Collection, Records Subpoena) | $100Above the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Other Fees | |||
| Mail - Overnight Delivery (Per Piece – 1lb) | $30Inside the U.S. middle 50% ($20 to $40 nationally) | per item | None |
| Statement Copy (Per Statement) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | 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 Western Division 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
| Fredonia, NY | 1 |
| Williamsville, NY | 1 |
Largest competitors nearby
Local market: Erie county, NY, around its headquarters.
| 61 in its local market | Deposit share |
|---|---|
| Manufacturers and Traders Trust Company | 66.2% |
| KeyBank National Association | 9.8% |
| HSBC Bank USA, National Association | 5.4% |
| Bank of America, National Association | 4.3% |
| Citizens Bank, National Association | 3.7% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
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