Compared with Maine
8 of 18
compared fees are above the median.
4 below, 6 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
75th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Maine median
of 18 compared; 4 below, 6 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for Atlantic Regional 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 Maine median | Published fees above the Maine median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Atlantic Regional Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.9% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (75th 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 $1.7M in Q2 2026, 3.0% above the same quarter a year earlier ($1.6M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 18 compared published fees sit above the Maine 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 Maine medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $7.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Maine, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 26% from Q3 2025 to Q2 2026, to $1.7M. Its share of revenue, 8.9%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$1.7M
Atlantic Regional 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $0 to $15; we compare the midpoint.
Atlantic Regional Federal Credit Union · $1.1B 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Atlantic Regional Federal Credit Union(this institution) | South Portland, ME | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Abbott Laboratories Federal Credit Union | Gurnee, IL | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Alliance Federal Credit Union | Lubbock, TX | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Clearwater Federal Credit Union | Missoula, MT | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community 1St Federal Credit Union | Ottumwa, IA | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Source Federal Credit Union | New Hartford, NY | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Fivepoint Federal Credit Union | Nederland, TX | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hawaiian Financial Federal Credit Union | Honolulu, HI | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Justice Federal Credit Union | Chantilly, VA | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kirtland Federal Credit Union | Albuquerque, NM | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lafcu Federal Credit Union | Lansing, MI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Marine Federal Credit Union | La Crosse, WI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Members Cooperative Federal Credit Union | Duluth, MN | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Michigan Educational Federal Credit Union | Plymouth, MI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Neighborhood Federal Credit Union | Dallas, TX | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Country Federal Credit Union | Burlington, VT | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Peach State Federal Credit Union | Lawrenceville, GA | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Radiant Federal Credit Union | Gainesville, FL | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Safe 1 Federal Credit Union | Bakersfield, CA | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Salal Federal Credit Union | Seattle, WA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Seattle Metropolitan Federal Credit Union | Seattle, WA | $1.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Topline Financial Federal Credit Union | Maple Grove, MN | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| University Federal Credit Union | Los Angeles, CA | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Utah Power Federal Credit Union | Murray, UT | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Vantage Federal Credit Union | Saint Charles, MO | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Vermont Federal Credit Union | So Burlington, VT | $1.1B | Monthly maintenance not published | 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
Compared at $7.50, the middle of its two prices, against a peer median of $6.25 among 8 publishing peers.
Its two checking prices are $0 and $15.
$7.50 is a comparison price, not a fee anyone is charged.
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 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Atlantic Regional 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 | $1.7M | +$391K | +30.1% |
| Q1 2026 | $1.3M | −$178K | −12.1% |
| Q4 2025 | $1.5M | +$131K | +9.7% |
| Q3 2025 | $1.3M | −$295K | −18.0% |
| Q2 2025 | $1.6M | +$385K | +30.7% |
| Q1 2025 | $1.3M | −$71K | −5.4% |
| Q4 2024 | $1.3M | +$124K | +10.3% |
| Q3 2024 | $1.2M | −$131K | −9.8% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Atlantic Regional 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 Atlantic Regional Federal Credit Union by share.
Amounts from Atlantic Regional Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per hour
per year
per year
per item
per year
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance Fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Closed within 90 Days of Opening | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Abandoned Property Processing | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Account Monthly (365 days of no activity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation Hourly | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research Hourly | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Statement | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft (OD) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Check | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Debit Card: Rush on Card and PIN | $75Not compared: Monthly charge, not per item | per month | None |
| Rush on Card Replacement | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic: Initial Outgoing Wire | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic: Recurring Outgoing Wire | $6Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Foreign: Outgoing Wire | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Money Order | $3Not compared: Annual charge, not per item | per year | None |
| Stop Payment Request | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Check Sheet (one sheet of four checks) | $2Not compared: Annual charge, not per item | per year | None |
| Foreign Check Processing Fee | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| 10x10x20 Safe Deposit Box Annually | $125Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 2x5x20 Safe Deposit Box Annually | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3x10x20 Safe Deposit Box Annually | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3x5x20 Safe Deposit Box Annually | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5x10x20 Safe Deposit Box Annually | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5x5x20 Safe Deposit Box Annually | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Box Drilling (includes replacement of lock) | $200Not compared: Box drilling or key fee | Not stated | None |
| Key Replacement (includes rekeying of lock) | $100Not compared: Box drilling or key fee | Not stated | None |
Retirement & IRA | |||
| Closing by Rollover or Transfer | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Research: Photocopy | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| One-time Loan Payment by Phone from another | $3Below the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
| Program fee | $835Above the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
Oct 15, 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 Atlantic Regional Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
12 offices in 1 state (June 30, 2026)
Each dot is one office.
4 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Sanford, ME | 2 |
| Biddeford, ME | 1 |
| Brunswick, ME | 1 |
| Cumberland, ME | 1 |
| Freeport, ME | 1 |
| Saco, ME | 1 |
| Scarborough, ME | 1 |
| South Portland, ME | 1 |
Largest competitors nearby
Local market: Cumberland county, ME, around its headquarters.
| 29 in its local market | Deposit share |
|---|---|
| Northeast Bank | 18.8% |
| TD Bank, National Association | 15.6% |
| Bank of America, National Association | 12.5% |
| KeyBank National Association | 11.3% |
| Maine Community Bank | 10% |
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.