Compared with Pennsylvania
11 of 18
compared fees are above the median.
4 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
15th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Pennsylvania median
of 18 compared; 4 below, 3 about the same
See the feesFee schedule read Oct 19, 2026
Call-report figures are for 1St Ed 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 Pennsylvania median | Published fees above the Pennsylvania median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | 1St Ed Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 19, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 2.4% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (15th 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 $34K in Q2 2026, 8.1% below the same quarter a year earlier ($37K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
11 of 18 compared published fees sit above the Pennsylvania median; 4 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 Pennsylvania medians for fees published by banks and credit unions.
Overdraft (OD)
Wire Transfer (Domestic Out)
Wire Transfer (Int'l Out)
Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 5.6% from Q3 2025 to Q2 2026, to $34K. Its share of revenue, 2.4%, is below the 7.2% median for credit unions with under $300M in assets.
$34K
1St Ed 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.
1St Ed Credit Union · $138M 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 |
|---|---|---|---|---|---|---|---|
| 1St Ed Credit Union(this institution) | Chambersburg, PA | $138M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Allied Federal Credit Union | Arlington, TX | $138M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Aurora Federal Credit Union | Aurora, CO | $140M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Baptist Health South Florida Federal Credit Union | Miami, FL | $140M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Breakwater Federal Credit Union | Houghton, MI | $138M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Campbell Federal Credit Union | Maple Shade, NJ | $139M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Central Missouri Community Federal Credit Union | Warrensburg, MO | $140M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Coastline Federal Credit Union | Jacksonville, FL | $136M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| County Excellence Federal Credit Union | Roselle Park, NJ | $138M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Delaware State Police Federal Credit Union | Georgetown, DE | $138M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Dept Of Labor Federal Credit Union | Washington, DC | $138M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Family First Federal Credit Union | Hapeville, GA | $136M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Priority Federal Credit Union | Boston, MA | $139M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Healthcare Employees Federal Credit Union | Princeton, NJ | $137M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Healthcare Systems Federal Credit Union | Falls Church, VA | $135M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Horizons North Federal Credit Union | Westminster, CO | $136M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Indiana State University Federal Credit Union | Terre Haute, IN | $140M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Liberty Savings Federal Credit Union | Jersey City, NJ | $135M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mtcu Federal Credit Union | Midland, TX | $137M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pacific Cascade Federal Credit Union | Eugene, OR | $140M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Pacific Horizon Federal Credit Union | Springville, UT | $141M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The One Federal Credit Union | Meadville, PA | $139M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wailuku Federal Credit Union | Kahului, HI | $135M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Walled Lake Schools Federal Credit Union | Wolverine Lake, MI | $138M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| West Virginia Federal Credit Union | South Charleston, WV | $142M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Workmen'S Circle Incorporated Federal Credit Union | Savannah, GA | $135M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 13 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 Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
1St Ed 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for 1St Ed 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 | $34K | −$2K | −5.6% |
| Q1 2026 | $36K | −$9K | −20.0% |
| Q4 2025 | $45K | +$9K | +25.0% |
| Q3 2025 | $36K | −$1K | −2.7% |
| Q2 2025 | $37K | −$5K | −11.9% |
| Q1 2025 | $42K | −$6K | −12.5% |
| Q4 2024 | $48K | −$15K | −23.8% |
| Q3 2024 | $63K | +$10K | +18.9% |
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, 1St Ed 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 1St Ed Credit Union by share.
Amounts from 1St Ed Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per statement · *Paper Statements (per statement mailed) | $3.00
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Charge (Dormant Fee) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconcilement (per 1/2 hour, minimum – $15) | $15Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Account Research | $35Above the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Paper Statements (per statement mailed) | $3Not compared: Charged per statement; comparison unavailable | per statement | *Paper Statements (per statement mailed) | $3.00 |
| Invalid Address/Returned Mail (per month) | $6Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Item (non-sufficient funds or overdraft item paid) | $36Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Transfer from Savings (Reg D may apply) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Replacement card | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Card | $65Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wires: Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Wires: Foreign | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Incoming Wires: Domestic/Foreign | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders: Per item | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Check copy (per item) (free via Online Banking) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Each notification (includes child support notices) | $125Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Mortgage Subordination Agreement | $250Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Lending Fees | |||
| Late Charge (payments received after the 28th of the month) | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards: Per card | $3.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Additional Account Statement Printout | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy of any document already provided | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Skip-A-Payment (per loan/month skipped-certain rules do apply) | $35Not compared: Monthly charge, not per item | per month | None |
Oct 19, 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 1St Ed Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Chambersburg, PA | 1 |
| Greencastle, PA | 1 |
| Hanover, PA | 1 |
Largest competitors nearby
Local market: Franklin county, PA, around its headquarters.
| 10 in its local market | Deposit share |
|---|---|
| Farmers and Merchants Trust Company of Chambersburg | 33.9% |
| Truist Bank | 26.4% |
| Orrstown Bank | 18.6% |
| Manufacturers and Traders Trust Company | 16.1% |
| Middletown Valley Bank | 1.5% |
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.