Fees from its schedule are under review and appear here once review is done.
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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
59th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Nov 4, 2026
Call-report figures are for Americu 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 452 credit unions with $1B to $10B 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 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. | Americu Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 4, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.3% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (59th 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 $3.9M in Q2 2026, 30% below the same quarter a year earlier ($5.6M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Call reports for Americu 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 | $3.9M | +$149K | +4.0% |
| Q1 2026 | $3.8M | −$157K | −4.0% |
| Q4 2025 | $3.9M | +$2.7M | +211.8% |
| Q3 2025 | $1.3M | −$4.3M | −77.5% |
| Q2 2025 | $5.6M | +$2.2M | +66.9% |
| Q1 2025 | $3.4M | +$57K | +1.7% |
| Q4 2024 | $3.3M | +$236K | +7.7% |
| Q3 2024 | $3.1M | −$270K | −8.1% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Americu 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 Americu Federal Credit Union by share.
They stay out of every comparison until review is done.
one time · Home Equity Loan Products only; one time charge paid at payoff as reimbursement for costs incurred in processing of Home Equity Loan; does not apply if Home Equity is NOT paid off within 3 years of note date
per item · 2% of P&I Payment Due; assessed when mortgage payment is received after 15 day grace period has expired
one time · Optional; one time fee paid to AmeriCU Credit Union for preparation of necessary paperwork to lower rate without refinancing
one time · Optional; one time fee paid to AmeriCU Credit Union for preparation of necessary paperwork to lower rate/term without refinancing
one time · Varies by loan amount; fee paid to the County Clerk of the county in which mortgage document is being recorded
one time · Varies by county; County Clerk charges a fee for filing of mortgage satisfaction to have the lien removed from home
one time · Optional; one time fee paid to AmeriCU Credit Union's attorney & appraiser for document preparation/recording relating to updating the Schedule A on a mortgaged premises
one time · Optional; charged when lien position is to be subordinated in relation to another lien; covers preparation & processing of necessary documentation
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account ServicesUnder review | |||
| Subordination Fee (audience not stated, treated as personal) | $250 | Not stated | None |
Other feesUnder review | |||
| 3rd Party Reimbursement Charge (audience not stated, treated as personal) | Not stated | one time | Home Equity Loan Products only; one time charge paid at payoff as reimbursement for costs incurred in processing of Home Equity Loan; does not apply if Home Equity is NOT paid off within 3 years of note date |
| er lien, this fee is charged to cover the (audience not stated, treated as personal) | $250 | Not stated | None |
| Mortgage Late Charge - Conventional (audience not stated, treated as personal) | Not stated | per item | 2% of P&I Payment Due; assessed when mortgage payment is received after 15 day grace period has expired |
| Mortgage Modification Fee (audience not stated, treated as personal) | $500 | Not stated | None |
| Mortgage Modification Fee - Rate Modification (audience not stated, treated as personal) | $500 | one time | Optional; one time fee paid to AmeriCU Credit Union for preparation of necessary paperwork to lower rate without refinancing |
| Mortgage Modification Fee - Rate/Term Modification (audience not stated, treated as personal) | $1,000 | one time | Optional; one time fee paid to AmeriCU Credit Union for preparation of necessary paperwork to lower rate/term without refinancing |
| Mortgage Recording Fee (audience not stated, treated as personal) | Not stated | one time | Varies by loan amount; fee paid to the County Clerk of the county in which mortgage document is being recorded |
| Mortgage Satisfaction/Discharge Fee (audience not stated, treated as personal) | Not stated | one time | Varies by county; County Clerk charges a fee for filing of mortgage satisfaction to have the lien removed from home |
| Partial Release of Mortgaged Premises (audience not stated, treated as personal) | $500 | one time | Optional; one time fee paid to AmeriCU Credit Union's attorney & appraiser for document preparation/recording relating to updating the Schedule A on a mortgaged premises |
| Property Tax Service Fee (audience not stated, treated as personal) | $83 | Not stated | None |
| Subordination Fee (audience not stated, treated as personal) | $250 | Not stated | None |
| Subordination Fee (audience not stated, treated as personal) | $250 | one time | Optional; charged when lien position is to be subordinated in relation to another lien; covers preparation & processing of necessary documentation |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 4, 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 Americu Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
23 offices in 1 state (June 30, 2026)
Each dot is one office.
22 of 23 offices on the map.
Cities with the most offices
| Syracuse, NY | 3 |
| Rome, NY | 2 |
| Au Sable Forks, NY | 1 |
| Auburn, NY | 1 |
| Camillus, NY | 1 |
| Cazenovia, NY | 1 |
| Cicero, NY | 1 |
| Cortland, NY | 1 |
Largest competitors nearby
Local market: Oneida county, NY, around its headquarters.
| 19 in its local market | Deposit share |
|---|---|
| Bank of Utica | 22.3% |
| NBT Bank, National Association | 15.4% |
| Manufacturers and Traders Trust Company | 14.9% |
| Beacon Bank and Trust | 12.6% |
| Adirondack Bank | 12.5% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows