Compared with Massachusetts
3 of 12
compared fees are above the median.
6 below, 3 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
13th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Massachusetts median
of 12 compared; 6 below, 3 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Common Trust 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. | Common Trust 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 2.2% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (13th 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 $19K in Q2 2026, 5.0% below the same quarter a year earlier ($20K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 12 compared published fees sit above the Massachusetts median; 6 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.
NSF / Returned Item
Wire Transfer (Domestic Out)
Stop Payment
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 rose 27% from Q3 2025 to Q2 2026, to $19K. Its share of revenue, 2.2%, is below the 7.2% median for credit unions with under $300M in assets.
$19K
Common Trust 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.
Common Trust Federal Credit Union · $101M 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 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Common Trust Federal Credit Union(this institution) | Woburn, MA | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Advantage Financial Federal Credit Union | Washington, DC | $103M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Archer Cooperative Federal Credit Union | Archer, NE | $103M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Athol Federal Credit Union | Athol, MA | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community First Federal Credit Union | Ashtabula, OH | $100M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Star Federal Credit Union | Elyria, OH | $103M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Compass Federal Credit Union | Oswego, NY | $101M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Concho Educators Federal Credit Union | San Angelo, TX | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Connect Credit Union | Fort lauderdale, FL | $103M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Crossroads Financial Federal Credit Union | Portland, IN | $102M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Gardiner Federal Credit Union | Gardiner, ME | $101M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Glendale Federal Credit Union | Glendale, CA | $103M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Greater Chautauqua Federal Credit Union | Falconer, NY | $102M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Healthcare First Credit Union | Johnstown, PA | $101M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Heritage USA Federal Credit Union | Midland, TX | $99M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| I Am Federal Credit Union | New York, NY | $103M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Members Community Federal Credit Union | Muscatine, IA | $99M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Midland Federal Credit Union | Urbandale, IA | $101M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Railroad Federal Credit Union | Irondale, AL | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Serve Federal Credit Union | Des Moines, IA | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sno Falls Federal Credit Union | North Bend, WA | $99M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tewksbury Federal Credit Union | Tewksbury, MA | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Texas Bridge Federal Credit Union | Corpus Christi, TX | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Universal Federal Credit Union | Huntington, WV | $100M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| University Of Toledo Federal Credit Union | Toledo, OH | $100M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Va Desert Pacific Federal Credit Union | Long Beach, CA | $99M | 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 · 9 publish this fee(out-of-network atm)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1 among 9 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 21, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Common Trust Federal Credit Union does not publish an out-of-network atm 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 21, 2026. Total assets from FDIC and NCUA records.
Call reports for Common Trust 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 | $19K | −$7K | −26.9% |
| Q1 2026 | $26K | −$1K | −3.7% |
| Q4 2025 | $27K | +$12K | +80.0% |
| Q3 2025 | $15K | −$5K | −25.0% |
| Q2 2025 | $20K | +$2K | +11.1% |
| Q1 2025 | $18K | $0 | 0.0% |
| Q4 2024 | $18K | −$2K | −10.0% |
| Q3 2024 | $20K | +$3K | +17.6% |
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, Common Trust 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 Common Trust Federal Credit Union by share.
Amounts from Common Trust Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account (No activity on account for 12 previous months) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Research/Reconciliation Per Hour (One hour minimum - By appointment) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail (No Forwarding Address) | $3Below the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Non-Sufficient Funds (Checks, ACH, Debit) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Item | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Domestic Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Domestic Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers: International Outgoing | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfers: International Incoming | $40Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Stop Payment (Per Item) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Copies | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Account Services | |||
| Attachment or Levy | $30Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Letters of Subordination | $50Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Statement Copies | $5Inside 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 Common Trust Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Bedford, MA | 1 |
| Lexington, MA | 1 |
| Wellesley, MA | 1 |
| Woburn, 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.