Compared with Maine
3 of 21
compared fees are above the median.
12 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
49th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Maine median
of 21 compared; 12 below, 6 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for Dirigo 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 569 credit unions with $300M to $1B 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. | Dirigo Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.9% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (49th 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 $591K in Q2 2026, 9.4% above the same quarter a year earlier ($540K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 21 compared published fees sit above the Maine median; 12 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.
NSF / Returned Item
Non-Network ATM
Wire Transfer (Domestic Out)
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 4.8% from Q3 2025 to Q2 2026, to $591K. Its share of revenue, 7.9%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$591K
Dirigo 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Dirigo Federal Credit Union · $498M 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 |
|---|---|---|---|---|---|---|---|
| Dirigo Federal Credit Union(this institution) | Lewiston, ME | $498M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 802 Federal Credit Union | Barre, VT | $508M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Advantage Federal Credit Union | Rochester, NY | $498M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Carolinas Telco Federal Credit Union | Charlotte, NC | $506M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cme Federal Credit Union | Columbus, OH | $481M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Commonwealth One Federal Credit Union | Alexandria, VA | $502M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Harvest Federal Credit Union | Deptford, NJ | $484M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Garden Savings Federal Credit Union | Parsippany, NJ | $496M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Healthcare Associates Federal Credit Union | Lisle, IL | $482M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Holy Rosary Federal Credit Union | Rochester, NH | $508M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jolt Federal Credit Union | Saginaw, MI | $484M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Land Of Lincoln Federal Credit Union | Decatur, IL | $499M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Levo Federal Credit Union | Sioux Falls, SD | $516M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Loc Federal Credit Union | Farmington, MI | $485M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Maui County Federal Credit Union | Wailuku, HI | $488M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Memphis City Employees Federal Credit Union | Memphis, TN | $503M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Nizari Progressive Federal Credit Union | Sugar Land, TX | $505M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Security First Federal Credit Union | Mcallen, TX | $517M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Tampa Bay Federal Credit Union | Tampa, FL | $494M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Teg Federal Credit Union | Poughkeepsie, NY | $507M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Telcoe Federal Credit Union | Little Rock, AR | $503M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Topside Federal Credit Union | Dahlgren, VA | $492M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Trax Federal Credit Union | Tampa, FL | $485M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Valleystar Federal Credit Union | Martinsville, VA | $503M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Widget Federal Credit Union | Erie, PA | $480M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Winsouth Federal Credit Union | Gadsden, AL | $479M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.98 among 12 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
Dirigo 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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Dirigo 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 | $591K | +$83K | +16.3% |
| Q1 2026 | $508K | −$59K | −10.4% |
| Q4 2025 | $567K | +$3K | +0.5% |
| Q3 2025 | $564K | +$24K | +4.4% |
| Q2 2025 | $540K | +$34K | +6.7% |
| Q1 2025 | $506K | −$59K | −10.4% |
| Q4 2024 | $565K | +$14K | +2.5% |
| Q3 2024 | $551K | +$11K | +2.0% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Dirigo 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 Dirigo Federal Credit Union by share.
Amounts from Dirigo Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per item
per item
per transaction
per item
per item
per month
per item
one time
one time
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure (<6 months of opening) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Inactivity (after 12 months/per month) | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Returned Item Fee -NSF (per item) | $27Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer from Share | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Surcharge (per transaction) | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Replacement Card Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Bank Check (per item) | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order (per item) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Request | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per transaction | None |
| Starter Checks (4 per page) | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Canadian Check Processing Fee | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Check Copy (per item) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Printed - Monthly Statement Copy (per item) | $3Not compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Return Deposited Item (per item) | $10Inside the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Notary Services (members only) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Legal Processing of writs, levies, summonses | $25Below the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Loan Subordination | $250Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Doc Fee (Purchase or new loan) | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
| Doc Fee (Refinance from Dirigo) | $50Above the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
| Loan Extension | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Modification | $500Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Payoff Request | $5Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per item
per item
per transaction
per item
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure (<6 months of opening) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Inactivity (after 12 months/per month) | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Returned Item Fee -NSF (per item) | $27Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer from Share | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Surcharge (per transaction) | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Replacement Card Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Bank Check (per item) | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order (per item) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Request | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per transaction | None |
| Starter Checks (4 per page) | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Canadian Check Processing Fee | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Check Copy (per item) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Printed - Monthly Statement Copy (per item) | $3Not compared: Monthly charge, not per item | per month | None |
Digital & Electronic | |||
| Business Bill Pay | $5.95 | Not stated | None |
Cash & Deposit | |||
| Return Deposited Item (per item) | $10Inside the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Notary Services (members only) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Legal Processing of writs, levies, summonses | $25Below the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Loan Subordination | $250Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Loan Extension | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Modification | $500Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Payoff Request | $5Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip-a-Pay | $35 | Not stated | None |
Oct 31, 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 Dirigo Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Lewiston, ME | 2 |
| Auburn, ME | 1 |
| Mechanic Falls, ME | 1 |
| Scarborough, ME | 1 |
| South Paris, ME | 1 |
Largest competitors nearby
Local market: Androscoggin county, ME, around its headquarters.
| 14 in its local market | Deposit share |
|---|---|
| Androscoggin Savings Bank | 36.4% |
| TD Bank, National Association | 17.6% |
| Maine Community Bank | 11.1% |
| Northeast Bank | 10.3% |
| The Camden National Bank | 8.9% |
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.