Norwood Town Employees Federal Credit Union

Headquarters: Norwood, Massachusetts
Charter: Credit Union
Assets: $5.8M
Fed district: Boston
Regulator: NCUA

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

Source: its fee schedule, read Oct 28, 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 Oct 28, 2026

How these figures are measured

Call-report figures are for Norwood Town Employees 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.	Norwood Town Employees Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 28, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Norwood Town Employees 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 $1K in Q2 2026, about level with the same quarter a year earlier ($1K).
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.

Dormant Account
Leaves out 1 fee charged on a different basis filed under this fee.
Norwood Town Employees Federal Credit Union: $25
Norwood Town Employees Federal Credit Union: $25
U.S. median: no median
Late Payment
Norwood Town Employees Federal Credit Union: $50
Norwood Town Employees Federal Credit Union: $50
U.S. median: no median
Monthly Maintenance
Norwood Town Employees Federal Credit Union: Not identified
Norwood Town Employees Federal Credit Union: Not identified
U.S. median: no median

Fee not identified in the reviewed schedule. A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 28, 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 was about level from Q3 2025 to Q2 2026, at $1K.

Fee income, Q2 2026

$1K

$1KQ3 2025

$1KQ4 2025

$3KQ1 2026

$1KQ2 2026

Against the median

Norwood Town Employees 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

Norwood Town Employees Federal Credit Union · $6M in assets

Banks and credit unions in the Buffalo-Cheektowaga, NY metro

Banks and credit unions with branches in the Buffalo-Cheektowaga, NY metro: the local competitors for deposits and customers. They range from $1M to $4.1T in assets, so compare prices here, not size.

Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).

Banks and credit unions
$1M to $4.1T in assets
Headquartered in 8 states

Showing the 50 closest in assets of 52 peers; medians use all 52.

See the 50 institutions shown

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Norwood Town Employees Federal Credit Union(this institution)	Norwood, MA	$6M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Alliance Niagara Federal Credit Union	Sanborn, NY	$24M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Broadview Federal Credit Union	Albany, NY	$9.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Buffalo Conrail Federal Credit Union	Cheektowaga, NY	$61M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Buffalo Metropolitan Federal Credit Union	Buffalo, NY	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Cadets Federal Credit Union	Elma, NY	$18M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Chen-Del-O Federal Credit Union	Franklin, NY	$35M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Circuit Federal Credit Union	Cheektowaga, NY	$11M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Citizens Bank, National Association	Providence, RI	$232.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
CNB Bank	Clearfield, PA	$8.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community Bank, National Association	Canton, NY	$17.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cornerstone Community Federal Credit Union	Lockport, NY	$730M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Crayola Llc Employees Credit Union	Easton, PA	$8M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Empower Federal Credit Union	Syracuse, NY	$4.3B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Financial Trust Federal Credit Union	Cheektowaga, NY	$203M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Five Star Bank	Warsaw, NY	$6.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Good Neighbors Federal Credit Union	Depew, NY	$92M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Great Erie Federal Credit Union	Orchard Park, NY	$150M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Greater Niagara Federal Credit Union	Niagara Falls, NY	$70M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Greater Woodlawn Federal Credit Union	Blasdell, NY	$168M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Haverhill Fire Department Federal Credit Union	Haverhill, MA	$28M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
HSBC Bank USA, National Association	Tysons, VA	$173.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
KeyBank National Association	Cleveland, OH	$188.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lake Shore Bank	Dunkirk, NY	$736M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	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
Local 41 I.B.E.W. Federal Credit Union	Orchard Park, NY	$19M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Lockport Schools & Community Federal Credit Union	Lockport, NY	$26M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Manufacturers and Traders Trust Company	Buffalo, NY	$218.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Meridia Community Federal Credit Union	Hamburg, NY	$144M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Moog Employees Federal Credit Union	East Aurora, NY	$257M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Morton Lane Federal Credit Union	Buffalo, NY	$63M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
NBT Bank, National Association	Norwich, NY	$16.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
NEXTIER BANK, NATIONAL ASSOCIATION	Kittanning, PA	$2.9B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Niagara Regional Federal Credit Union	North Tonawanda, NY	$40M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Niagara-Wheatfield Federal Credit Union	Sanborn, NY	$21M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Niagara'S Choice Federal Credit Union	Niagara Falls, NY	$265M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
North Towns Federal Credit Union	Clarence, NY	$52M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northwest Bank	Warren, PA	$17.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Northwestern Federal Credit Union	Bryan, OH	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
One Credit Union of Ny	Cheektowaga, NY	$114M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Radius Federal Credit Union	Kenmore, NY	$87M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sister'S Hospital Employees Federal Credit Union	Buffalo, NY	$8M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
St. John United Federal Credit Union	Buffalo, NY	$1M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Stanwood Area Federal Credit Union	New Stanton, PA	$19M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Sweet Home Federal Credit Union	Amherst, NY	$45M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sweetwater Regional Federal Credit Union	Sweetwater, TX	$7M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
The Summit Federal Credit Union	Rochester, NY	$1.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Tompkins Community Bank	Ithaca, NY	$8.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ukrainian Federal Credit Union	Rochester, NY	$427M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Western Division Federal Credit Union	Williamsville, NY	$224M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Woodforest National Bank	The Woodlands, TX	$9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

52 peers selected · 15 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Norwood Town Employees Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 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 Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Norwood Town Employees Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Norwood Town Employees Fe…Peer (equal prices stack)Peer medianInclude $50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Compare local deposit competitors in Hamilton

Source: Bank Fee Index, published fee schedules, as of Oct 31, 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 Norwood Town Employees 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: $1K
vs prior quarter: −$2K−66.7%; from Q1 2026
vs a year earlier: $00.0%; from Q2 2025
vs start of range: −$2K−66.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Norwood Town Employees 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	$1K	−$2K	−66.7%
Q1 2026	$3K	+$2K	+200.0%
Q4 2025	$1K	$0	0.0%
Q3 2025	$1K	$0	0.0%
Q2 2025	$1K	−$2K	−66.7%
Q1 2025	$3K	+$2K	+200.0%
Q4 2024	$1K	−$2K	−66.7%
Q3 2024	$3K	+$2K	+200.0%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Below Minimum Balance Fee$5
Not compared: Quarterly charge, not monthly
per quarter
Dormant Account Fee$10
Not compared: Quarterly charge, not monthly
per quarter
Escheating Processing Fee$25
Returned Statement Fee$10
Not compared: Quarterly charge, not monthly
per quarter

Lending Fees

Late Fee on Loan Payments$50

Fee	Amount	Basis	Note
Account Maintenance
Below Minimum Balance Fee	$5Not compared: Quarterly charge, not monthly	per quarter	None
Dormant Account Fee	$10Not compared: Quarterly charge, not monthly	per quarter	None
Escheating Processing Fee	$25	Not stated	None
Returned Statement Fee	$10Not compared: Quarterly charge, not monthly	per quarter	None
Lending Fees
Late Fee on Loan Payments	$50	Not stated	None

Correct a fee source

Oct 28, 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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