Compared with Maine
2 of 6
compared fees are above the median.
3 below, 1 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
7th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Maine median
of 6 compared; 3 below, 1 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Acadia 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. | Acadia 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 7.9% median of 569 credit unions with $300M to $1B in assets (7th 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 $218K in Q2 2026, 34% above the same quarter a year earlier ($163K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 6 compared published fees sit above the Maine 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 Maine medians for fees published by banks and credit unions.
Non-Network ATM
NSF / Returned Item
Debit Card Replacement
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 28% from Q3 2025 to Q2 2026, to $218K. Its share of revenue, 3.0%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$218K
Acadia 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.
Acadia Federal Credit Union · $413M 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 |
|---|---|---|---|---|---|---|---|
| Acadia Federal Credit Union(this institution) | Fort Kent, ME | $413M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| 1St Community Federal Credit Union | San Angelo, TX | $422M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Alliance Federal Credit Union | Fenton, MO | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ancorum Federal Credit Union | Bath, ME | $402M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ashland Federal Credit Union | Ashland, KY | $412M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Avenir Financial Federal Credit Union | Yuma, AZ | $401M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Carolina Trust Federal Credit Union | Myrtle Beach, SC | $422M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cdc Federal Credit Union | Atlanta, GA | $414M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Co-Op Credit Union of Montevideo | Montevideo, MN | $423M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coosa Pines Federal Credit Union | Childersburg, AL | $421M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Eagle Community Federal Credit Union | Lake Forest, CA | $409M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Community Credit Union of Beloit | Beloit, WI | $410M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Glendale Area Schools Federal Credit Union | Glendale, CA | $422M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Honolulu Federal Credit Union | Honolulu, HI | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Houston Texas Fire Fighters Federal Credit Union | Houston, TX | $401M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Monroe Community Federal Credit Union | Monroe, MI | $406M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Nymeo Federal Credit Union | Frederick, MD | $409M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ocean Financial Federal Credit Union | Oceanside, NY | $403M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Park View Federal Credit Union | Harrisonburg, VA | $410M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Partnership Financial Federal Credit Union | Morton Grove, IL | $403M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Platinum Federal Credit Union | Duluth, GA | $413M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Popa Federal Credit Union | Cerritos, CA | $405M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Signature Federal Credit Union | Alexandria, VA | $421M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Streator Onized Federal Credit Union | Streator, IL | $423M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Yolo Federal Credit Union | Woodland, CA | $412M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Zing Credit Union | Denver, CO | $406M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.95 among 15 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 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Acadia 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 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Acadia 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 | $218K | +$47K | +27.5% |
| Q1 2026 | $171K | −$11K | −6.0% |
| Q4 2025 | $182K | +$12K | +7.1% |
| Q3 2025 | $170K | +$7K | +4.3% |
| Q2 2025 | $163K | +$4K | +2.5% |
| Q1 2025 | $159K | −$6K | −3.6% |
| Q4 2024 | $165K | +$5K | +3.1% |
| Q3 2024 | $160K | −$2K | −1.2% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Acadia 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 Acadia Federal Credit Union by share.
Amounts from Acadia Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Overdraft & NSF | |||
| Returned Check | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Enjoy fee-free ATM access at SURF network ATMs. For out-of-network ATMs, Acadia waives its | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Lost/Stolen Card - Reorder Fee (Effective 03/01/2024) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Check Services | |||
| Copy of Sales Draft | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Lending Fees | |||
| Late Charge (over 30 days) | $20Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Acadia Prepaid Travel Card | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Cost to purchase a prepaid travel card | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Prepaid Travel Card Fees: Companion Card | $2Below the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
| Prepaid travel card reload fee | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | per transaction | None |
Other Fees | |||
| Copy of Credit Card Statement | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | 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 Acadia Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
10 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Bangor, ME | 2 |
| Fort Kent, ME | 2 |
| Ashland, ME | 1 |
| Brewer, ME | 1 |
| Madawaska, ME | 1 |
| Presque Isle, ME | 1 |
| Saint Agatha, ME | 1 |
| Saint Francis, ME | 1 |
Largest competitors nearby
Local market: Aroostook county, ME, around its headquarters.
| 7 in its local market | Deposit share |
|---|---|
| Katahdin Trust Company | 37.5% |
| Machias Savings Bank | 19.7% |
| TD Bank, National Association | 14.4% |
| Aroostook County Federal Savings and Loan Association | 13% |
| KeyBank National Association | 12.8% |
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.