Compared with Massachusetts
3 of 15
compared fees are above the median.
10 below, 2 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
20th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Massachusetts median
of 15 compared; 10 below, 2 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Leominster 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. | Leominster Employees Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 3.0% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (20th 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 $10K in Q2 2026, 11% above the same quarter a year earlier ($9K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 15 compared published fees sit above the Massachusetts median; 10 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.
NSF / Returned Item
Monthly Maintenance
Wire Transfer (Domestic Out)
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 $10K. Its share of revenue, 3.0%, is below the 7.2% median for credit unions with under $300M in assets.
$10K
Leominster 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.
Leominster Employees Federal Credit Union · $30M in assets
Banks and credit unions in the Buffalo-Cheektowaga, NY metro
Banks and credit unions with branches in the Buffalo-Cheektowaga, NY metro: the local competitors for deposits and customers. They range from $1M to $4.1T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
Showing the 50 closest in assets of 52 peers; medians use all 52.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Leominster Employees Federal Credit Union(this institution) | Leominster, MA | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Alliance Niagara Federal Credit Union | Sanborn, NY | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Broadview Federal Credit Union | Albany, NY | $9.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Buffalo Conrail Federal Credit Union | Cheektowaga, NY | $61M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Buffalo Metropolitan Federal Credit Union | Buffalo, NY | $144M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Cadets Federal Credit Union | Elma, NY | $18M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Chen-Del-O Federal Credit Union | Franklin, NY | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Circuit Federal Credit Union | Cheektowaga, NY | $11M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Citizens Bank, National Association | Providence, RI | $232.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| CNB Bank | Clearfield, PA | $8.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community Bank, National Association | Canton, NY | $17.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cornerstone Community Federal Credit Union | Lockport, NY | $730M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Crayola Llc Employees Credit Union | Easton, PA | $8M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Empower Federal Credit Union | Syracuse, NY | $4.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Financial Trust Federal Credit Union | Cheektowaga, NY | $203M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Five Star Bank | Warsaw, NY | $6.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Good Neighbors Federal Credit Union | Depew, NY | $92M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Great Erie Federal Credit Union | Orchard Park, NY | $150M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Greater Niagara Federal Credit Union | Niagara Falls, NY | $70M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Greater Woodlawn Federal Credit Union | Blasdell, NY | $168M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Haverhill Fire Department Federal Credit Union | Haverhill, MA | $28M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| HSBC Bank USA, National Association | Tysons, VA | $173.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| KeyBank National Association | Cleveland, OH | $188.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lake Shore Bank | Dunkirk, NY | $736M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Local 41 I.B.E.W. Federal Credit Union | Orchard Park, NY | $19M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Lockport Schools & Community Federal Credit Union | Lockport, NY | $26M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Manufacturers and Traders Trust Company | Buffalo, NY | $218.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Meridia Community Federal Credit Union | Hamburg, NY | $144M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Moog Employees Federal Credit Union | East Aurora, NY | $257M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Morton Lane Federal Credit Union | Buffalo, NY | $63M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| NBT Bank, National Association | Norwich, NY | $16.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| NEXTIER BANK, NATIONAL ASSOCIATION | Kittanning, PA | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Niagara Regional Federal Credit Union | North Tonawanda, NY | $40M | 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 |
| Niagara'S Choice Federal Credit Union | Niagara Falls, NY | $265M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| North Towns Federal Credit Union | Clarence, NY | $52M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northwest Bank | Warren, PA | $17.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northwestern Federal Credit Union | Bryan, OH | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Norwood Town Employees Federal Credit Union | Norwood, MA | $6M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| One Credit Union of Ny | Cheektowaga, NY | $114M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Radius Federal Credit Union | Kenmore, NY | $87M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sister'S Hospital Employees Federal Credit Union | Buffalo, NY | $8M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| St. John United Federal Credit Union | Buffalo, NY | $1M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Stanwood Area Federal Credit Union | New Stanton, PA | $19M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Sweet Home Federal Credit Union | Amherst, NY | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sweetwater Regional Federal Credit Union | Sweetwater, TX | $7M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| The Summit Federal Credit Union | Rochester, NY | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Tompkins Community Bank | Ithaca, NY | $8.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ukrainian Federal Credit Union | Rochester, NY | $427M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Western Division Federal Credit Union | Williamsville, NY | $224M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Woodforest National Bank | The Woodlands, TX | $9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
52 peers selected · 14 publish this fee(monthly maintenance)
38 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $0, against a peer median of $5 among 14 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
Against this institution's monthly maintenance fee, among the 50 peers shown
Hamilton is the Fee Insight workspace for pricing teams.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Leominster 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 | $10K | −$2K | −16.7% |
| Q1 2026 | $12K | −$1K | −7.7% |
| Q4 2025 | $13K | −$1K | −7.1% |
| Q3 2025 | $14K | +$5K | +55.6% |
| Q2 2025 | $9K | $0 | 0.0% |
| Q1 2025 | $9K | −$6K | −40.0% |
| Q4 2024 | $15K | +$3K | +25.0% |
| Q3 2024 | $12K | +$2K | +20.0% |
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, Leominster 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 Leominster Employees Federal Credit Union by share.
Amounts from Leominster Employees Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per page
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Service Charge | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Early Closing (Within 180 days of opening) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Inactivity Fee (Accounts Inactive 1 Year - Fee Charged per statement cycle) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Fee - 3 Year Inactivity | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Re-Activation Charge (After 180 Days Inactivity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Research/Account Reconciliation Charge (Per Hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| NSF Per Presentment (Checking & Savings) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer (Automatic) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Overdraft Transfer (Manual) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee - Domestic (Outgoing) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fee (Incoming) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Fee - International (Outgoing) | $75Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| CU Money Order | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| CU Money Order (Retirees) | No chargeBelow the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| CU Money Order Stop Payment | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment (ACH) | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment (Official CU Check) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment (Per Item) | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Starter Checks (Per Page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Check Copy (Per Item) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Check Copy (Per Item) | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Returned Deposit Item | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
| Returned Deposited Item | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Public Service (CU Member) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Public Service (Non Member) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
Other Fees | |||
| Account Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Faxed Documents Charge (Per Fax Sent) | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy Charge (Per Page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
Nov 2, 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 Leominster Employees Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Amherst, NY | 1 |
| Leominster, MA | 1 |
Largest competitors nearby
Local market: Worcester county, MA, around its headquarters.
| 40 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 13.5% |
| UniBank for Savings | 11.3% |
| TD Bank, National Association | 9.9% |
| Cornerstone Bank | 8.6% |
| Santander Bank, N.A. | 8% |
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.