Compared with Massachusetts
5 of 13
compared fees are above the median.
3 below, 5 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
17th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Massachusetts median
of 13 compared; 3 below, 5 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Malden 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. | Malden Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 2.7% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (17th 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 $9K in Q2 2026, 10.0% below the same quarter a year earlier ($10K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 13 compared published fees sit above the Massachusetts median; 3 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.
Non-Network ATM
Compared at $2.25, the middle of its prices
NSF / Returned Item
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 was about level from Q3 2025 to Q2 2026, at $9K. Its share of revenue, 2.7%, is below the 7.2% median for credit unions with under $300M in assets.
$9K
Malden 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. *Non-network ATM: Listed at $1.50 to $3; we compare the midpoint.
Malden Federal Credit Union · $29M 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 |
|---|---|---|---|---|---|---|---|
| Malden Federal Credit Union(this institution) | Malden, MA | $29M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Alcon Employees Federal Credit Union | Fort Worth, TX | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Alloy Federal Credit Union | Alloy, WV | $30M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Artesian Federal Credit Union | Leesburg, GA | $29M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bridgeport Police Federal Credit Union | Bridgeport, CT | $30M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Butler County Teachers Federal Credit Union | Butler, PA | $29M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Canandaigua Federal Credit Union | Canandaigua, NY | $29M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Casebine Community Federal Credit Union | Burlington, IA | $29M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Emerald Empire Federal Credit Union | Springfield, OR | $29M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| First Area Federal Credit Union | Lewistown, PA | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gha Federal Credit Union | Greenwich, CT | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Government Printing Office Federal Credit Union | Washington, DC | $29M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Highway Alliance Federal Credit Union | Jefferson city, MO | $30M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Htm Federal Credit Union | Haverhill, MA | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| I B E W 26 Federal Credit Union | Lanham, MD | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Leominster Employees Federal Credit Union | Leominster, MA | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Manville Area Federal Credit Union | Manville, NJ | $30M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Mississippi Public Employees Federal Credit Union | Jackson, MS | $29M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Rushmore Electric Federal Credit Union | Rapid City, SD | $29M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Slo Federal Credit Union | San Luis Obispo, CA | $29M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southern Teachers & Parents Federal Credit Union | Baton Rouge, LA | $29M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sun Pacific Federal Credit Union | Richmond, CA | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Texas Associations Of Professionals Federal Credit Union | San Antonio, TX | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| United Federal Credit Union | Tyler, TX | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Valwood Park Federal Credit Union | Carrollton, TX | $30M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wee Federal Credit Union | Parkersburg, WV | $29M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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
The peer median is $5 among 8 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 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Malden Federal 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 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Malden 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 | $9K | +$2K | +28.6% |
| Q1 2026 | $7K | −$3K | −30.0% |
| Q4 2025 | $10K | +$1K | +11.1% |
| Q3 2025 | $9K | −$1K | −10.0% |
| Q2 2025 | $10K | $0 | 0.0% |
| Q1 2025 | $10K | +$1K | +11.1% |
| Q4 2024 | $9K | −$5K | −35.7% |
| Q3 2024 | $14K | +$12K | +600.0% |
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, Malden 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 Malden Federal Credit Union by share.
Amounts from Malden 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 | |||
| Early Account Closure | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Insufficient Funds Check/ ACH | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfers | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Fee | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM/Debit Auto Transfer | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM/Debit Card Replacement | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Visa Card Replacement Fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire – Out | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Wire – Out | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Checks (Third Party) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment (Official Check) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment (On Us) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Uncollected/NSF Deposited Item | $25Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Lending Fees | |||
| Visa Late Fee | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Annual Fee | $15Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA Transfer Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Oct 11, 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 Malden 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
| Malden, MA | 1 |
Largest competitors nearby
Local market: Middlesex county, MA, around its headquarters.
| 72 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 19.4% |
| Citizens Bank, National Association | 10.6% |
| Cambridge Savings Bank | 6.4% |
| TD Bank, National Association | 6.3% |
| Eastern Bank | 5.9% |
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.