Compared with Massachusetts
2 of 15
compared fees are above the median.
5 below, 8 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
12th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Massachusetts median
of 15 compared; 5 below, 8 about the same
See the feesFee schedule read Oct 19, 2026
Call-report figures are for Chelsea Employees 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 Massachusetts median | Published fees above the Massachusetts median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Chelsea Employees Federal 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 2.0% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (12th 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 $5K in Q2 2026, 17% below the same quarter a year earlier ($6K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 15 compared published fees sit above the Massachusetts median; 5 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 Massachusetts medians for fees published by banks and credit unions.
Overdraft (OD)
Wire Transfer (Domestic Out)
Stop Payment
Compared at $20, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Massachusetts, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 29% from Q3 2025 to Q2 2026, to $5K. Its share of revenue, 2.0%, is below the 7.2% median for credit unions with under $300M in assets.
$5K
Chelsea Employees 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.
Chelsea Employees Federal Credit Union · $21M 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 |
|---|---|---|---|---|---|---|---|
| Chelsea Employees Federal Credit Union(this institution) | Chelsea, MA | $21M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Acadian Federal Credit Union | Lafayette, LA | $21M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 |
| East Alabama Community Federal Credit Union | Opelika, AL | $21M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Electrical Workers Local 58 Federal Credit Union | Detroit, MI | $21M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Encentus Federal Credit Union | Tulsa, OK | $21M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Fayette County School Employees Federal Credit Union | Uniontown, PA | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kone Employees Federal Credit Union | Moline, IL | $21M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| 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 |
| Maine Solutions Federal Credit Union | South Portland, ME | $21M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Mclennan County Employees Federal Credit Union | Waco, TX | $22M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mcmurrey Federal Credit Union | Tyler, TX | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Metro North Federal Credit Union | Jacksonville, FL | $22M | 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 |
| Northside Federal Credit Union | Atlanta, GA | $21M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Novo Federal Credit Union | Norco, CA | $21M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Railway Employees Federal Credit Union | Muscle Shoals, AL | $21M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Richmond Virginia Fire Police Credi Federal Credit Union | Richmond, VA | $21M | Monthly maintenance not published | Publishes Out-of-network ATM | 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 |
| St. Vincent'S Medical Center Federal Credit Union | Bridgeport, CT | $21M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Steel Valley Federal Credit Union | Cleveland, OH | $22M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tandem Federal Credit Union | Warren, MI | $22M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Churches Federal Credit Union | Taylor, MI | $22M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Warren Municipal Federal Credit Union | Warren, MI | $22M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wheat State Federal Credit Union | Wichita, KS | $22M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(out-of-network atm)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1.50 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 Oct 30, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Chelsea Employees Federal Credit Union does not publish an out-of-network atm 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 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Chelsea Employees 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 | $5K | −$1K | −16.7% |
| Q1 2026 | $6K | −$1K | −14.3% |
| Q4 2025 | $7K | $0 | 0.0% |
| Q3 2025 | $7K | +$1K | +16.7% |
| Q2 2025 | $6K | $0 | 0.0% |
| Q1 2025 | $6K | +$1K | +20.0% |
| Q4 2024 | $5K | −$4K | −44.4% |
| Q3 2024 | $9K | +$3K | +50.0% |
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, Chelsea Employees 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 Chelsea Employees Federal Credit Union by share.
Amounts from Chelsea Employees Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| New Member Closed < 90 days | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Research/hour | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| NSF - Paid Overdraft | $15Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
ATM & Card | |||
| Replacement Card | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Fee - Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Fee - Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Official Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders - Members | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Orders - Non-Members | $4Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment - Official Check | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Collection Items | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposit Item | $10Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Levy/Subpoena/Legal Action | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Subordination for HELOC | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Gift Cards ($10 to $1000) | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | 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 Chelsea Employees Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Chelsea, MA | 1 |
Largest competitors nearby
Local market: Suffolk county, MA, around its headquarters.
| 53 in its local market | Deposit share |
|---|---|
| State Street Bank and Trust Company | 63.5% |
| Bank of America, National Association | 16.4% |
| Citizens Bank, National Association | 10.2% |
| Santander Bank, N.A. | 3.3% |
| Eastern Bank | 2.5% |
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.