Mills42 Federal Credit Union

Headquarters: Lowell, Massachusetts
Charter: Credit Union
Assets: $31.5M
Fed district: Boston
Regulator: NCUA

22 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 2, 2026

How these figures are measured

Call-report figures are for Mills42 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Mills42 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

Details

Source: NCUA 5300 call report
Entity: Mills42 Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $29K in Q2 2026, 6.5% below the same quarter a year earlier ($31K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Build From Here Checking Account
Mills42 Federal Credit Union: $6
Mills42 Federal Credit Union: $6
U.S. median: no median
Overdraft (OD)
Mills42 Federal Credit Union: $28
Mills42 Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Mills42 Federal Credit Union: $28
Mills42 Federal Credit Union: $28
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Massachusetts: Banks and credit unions headquartered in Massachusetts that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income fell 15% from Q3 2025 to Q2 2026, to $29K.

Fee income, Q2 2026

$29K

$34KQ3 2025

$32KQ4 2025

$31KQ1 2026

$29KQ2 2026

Against the median

Mills42 Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Mills42 Federal Credit Union · $32M 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 22 states.

Credit unions only
$30M to $33M in assets
Headquartered in 22 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Mills42 Federal Credit Union(this institution)	Lowell, MA	$32M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Baldwin County Federal Credit Union	Bay Minette, AL	$32M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Camp Shelby Federal Credit Union	Hattiesburg, MS	$32M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Capstone Federal Credit Union	Aliso Viejo, CA	$32M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cheyenne-Laramie County Employees Federal Credit Union	Cheyenne, WY	$32M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cincinnati Interagency Federal Credit Union	Cincinnati, OH	$31M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Financial Services Federal Credit Union	Roselle, NJ	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cusa Federal Credit Union	Covington, LA	$31M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
De Soto Mo Pac Federal Credit Union	De Soto, MO	$31M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Etma Federal Credit Union	Louisville, TN	$31M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Faith Connection Federal Credit Union	Marietta, GA	$32M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gates Chili Federal Credit Union	Rochester, NY	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Gateway Federal Credit Union	Springfield, OR	$31M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Greenwich Municipal Employees Federal Credit Union	Greenwich, CT	$33M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Huntington C & O Railway Employees Federal Credit Union	Huntington, WV	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
K.U.M.C. Federal Credit Union	Shawnee, KS	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Kenowa Community Federal Credit Union	Wyoming, MI	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Lynchburg Municipal Employees Federal Credit Union	Lynchburg, VA	$31M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Meridian Mississippi Ang Federal Credit Union	Meridian, MS	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Neighborhood Community Federal Credit Union	Omaha, NE	$31M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pagoda Federal Credit Union	Reading, PA	$33M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Questa Federal Credit Union	Questa, NM	$33M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Taupa Lithuanian Federal Credit Union	South Boston, MA	$32M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Tennessee Employees Federal Credit Union	Nashville, TN	$31M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The Infirmary Federal Credit Union	Mobile, AL	$33M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Up Federal Credit Union	North Little Rock, AR	$32M	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 · 8 publish this fee(monthly maintenance)

17 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $4.50 (300%) above the median of similar-sized credit unions.

Its published price is $6, against a peer median of $1.50 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 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

Mills42 Federal Credit Un…Peer (equal prices stack)Peer median

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 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Mills42 Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $29K
vs prior quarter: −$2K−6.5%; from Q1 2026
vs a year earlier: −$2K−6.5%; from Q2 2025
vs start of range: −$7K−19.4%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Mills42 Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$29K	−$2K	−6.5%
Q1 2026	$31K	−$1K	−3.1%
Q4 2025	$32K	−$2K	−5.9%
Q3 2025	$34K	+$3K	+9.7%
Q2 2025	$31K	−$2K	−6.1%
Q1 2025	$33K	−$2K	−5.7%
Q4 2024	$35K	−$1K	−2.8%
Q3 2024	$36K	+$6K	+20.0%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Mills42 Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Build From Here Checking Account Monthly service charge$6
per month
Inactive Member$5
per month
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail/Bad Address$3
per month

Overdraft & NSF

Courtesy Pay$28
per item
Insufficient Funds/Return$28
per item
Overdraft Transfer$3
per item

ATM & Card

Replacement Card$22

Wire Transfers

Outgoing Wire Transfer (Domestic Only)$28
Incoming Wire$10

Check Services

Bank Check$3
per item
Dormant Official Check Processing$2
Money Order$3
per item
Checking Account / Bill Payer Stop Payments$25
per item
Non-member On-Us Check Cashing Fee$5
Copy of Bill Payment ItemNo charge
Copy of Draft/Check$15
per item

Digital & Electronic

ACH Insufficient Funds/Return$28
per item
Online Bill PayerNo charge

Cash & Deposit

Deposited Check Returned: Collectible$12
Deposited Check Returned: Uncollectible$25

Account Services

Notary Public ServicesNo charge
Attachment/Levy$50

Retirement & IRA

IRA Early Closure (Within 12 Months)$15
IRA Outgoing Rollover/Transfer$25
per item

Other Fees

Replacement/Interim Statement$15
Mortgage Letter of Subordination$300
Written Mortgage Payoff Statement$65

Fee	Amount	Basis	Note
Account Maintenance
Build From Here Checking Account Monthly service charge	$6	per month	None
Inactive Member	$5	per month	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail/Bad Address	$3	per month	None
Overdraft & NSF
Courtesy Pay	$28	per item	None
Insufficient Funds/Return	$28	per item	None
Overdraft Transfer	$3	per item	None
ATM & Card
Replacement Card	$22	Not stated	None
Wire Transfers
Outgoing Wire Transfer (Domestic Only)	$28	Not stated	None
Incoming Wire	$10	Not stated	None
Check Services
Bank Check	$3	per item	None
Dormant Official Check Processing	$2	Not stated	None
Money Order	$3	per item	None
Checking Account / Bill Payer Stop Payments	$25	per item	None
Non-member On-Us Check Cashing Fee	$5	Not stated	None
Copy of Bill Payment Item	No charge	Not stated	None
Copy of Draft/Check	$15	per item	None
Digital & Electronic
ACH Insufficient Funds/Return	$28	per item	None
Online Bill Payer	No charge	Not stated	None
Cash & Deposit
Deposited Check Returned: Collectible	$12	Not stated	None
Deposited Check Returned: Uncollectible	$25	Not stated	None
Account Services
Notary Public Services	No charge	Not stated	None
Attachment/Levy	$50	Not stated	None
Retirement & IRA
IRA Early Closure (Within 12 Months)	$15	Not stated	None
IRA Outgoing Rollover/Transfer	$25	per item	None
Other Fees
Replacement/Interim Statement	$15	Not stated	None
Mortgage Letter of Subordination	$300	Not stated	None
Written Mortgage Payoff Statement	$65	Not stated	None

Correct a fee source

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.

Fee change alerts

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