Compared with Massachusetts
4 of 5
compared fees are above the median.
1 below, 0 about the same.
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
40th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Massachusetts median
of 5 compared; 1 below, 0 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Umassfive College 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 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. | Umassfive College 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 6.9% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (40th 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 $775K in Q2 2026, 6.3% below the same quarter a year earlier ($827K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 5 compared published fees sit above the Massachusetts median; 1 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.
Overdraft (OD)
Stop Payment
Deposited Item Return
Compared at $15, the middle of its prices
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 fell 1.9% from Q3 2025 to Q2 2026, to $775K. Its share of revenue, 6.9%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$775K
Umassfive College 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.
Umassfive College Federal Credit Union · $703M 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 |
|---|---|---|---|---|---|---|---|
| Umassfive College Federal Credit Union(this institution) | Hadley, MA | $703M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Abilene Teachers Federal Credit Union | Abilene, TX | $690M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alliance Catholic Federal Credit Union | Farmington Hills, MI | $719M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| America'S Credit Union, A | DuPont, WA | $710M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Apci Federal Credit Union | Lehigh Valley, PA | $678M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Apl Federal Credit Union | Laurel, MD | $724M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Armco Federal Credit Union | Butler, PA | $719M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Copper State Federal Credit Union | Phoenix, AZ | $701M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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 |
| First Choice America Community Federal Credit Union | Weirton, WV | $714M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Citizens' Federal Credit Union | Fairhaven, MA | $706M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fort Bragg Federal Credit Union | Fayetteville, NC | $690M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Greater Iowa Federal Credit Union | Ames, IA | $715M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heartland Federal Credit Union | Hutchinson, KS | $726M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Innovations Financial Federal Credit Union | Panama City, FL | $696M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Legacy Community Federal Credit Union | Birmingham, AL | $727M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lokahi Federal Credit Union | Honolulu, HI | $702M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mainstreet Federal Credit Union | Lenexa, KS | $703M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Members Choice Federal Credit Union | Houston, TX | $721M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mypoint Federal Credit Union | San Diego, CA | $705M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northland Area Federal Credit Union | Alpena, MI | $714M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| O Bee Federal Credit Union | Lacey, WA | $677M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sharefax Federal Credit Union | Cincinnati, OH | $721M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Superior Choice Federal Credit Union | Superior, WI | $730M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Uncle Federal Credit Union | Livermore, CA | $716M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| We Florida Financial Federal Credit Union | Fort Lauderdale, FL | $700M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5.50 among 14 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
Umassfive College 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 Umassfive College 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 | $775K | +$134K | +20.9% |
| Q1 2026 | $641K | −$42K | −6.1% |
| Q4 2025 | $683K | −$107K | −13.5% |
| Q3 2025 | $790K | −$37K | −4.5% |
| Q2 2025 | $827K | +$103K | +14.2% |
| Q1 2025 | $724K | −$135K | −15.7% |
| Q4 2024 | $859K | +$76K | +9.7% |
| Q3 2024 | $783K | +$220K | +39.1% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Umassfive College 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 Umassfive College Federal Credit Union by share.
Amounts from Umassfive College Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Abandoned Property Processing | $30Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay | $32Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft service charge | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| Rush Debit Card | $30Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Foreign Transaction - Debit Cards (audience not stated, treated as personal) | 1%of the transaction | per transaction | None |
| Foreign transaction fee (multiple currency) (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Check Services | |||
| Stop Payment - Cashier’s Check | $32Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Check Deposit | $20Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
| Returned Check Deposit | $10Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
per month
per item
per month
per month
per hour
per hour
per item
per year
per year
per year
per year
per year
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Business Checking Below Minimum Balance | $10 | per month | None |
| Business Co-op Advantage Checking Below Minimum Balance | $25 | per item | None |
| Money Manager Below Minimum Balance | $10 | per month | None |
| Money Manager Plus Below Minimum Balance | $25 | per month | None |
| Research Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Statement Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail | $3 | Not stated | None |
Overdraft & NSF | |||
| Bill Pay ACH NSF | $32 | Not stated | None |
| Bill Pay ACH NSF | $32 | Not stated | None |
| Bill Pay Corporate Check NSF | $32 | Not stated | None |
| Bill Pay Laser Draft NSF | $32 | Not stated | None |
| Bill Pay Laser Draft NSF | $32 | Not stated | None |
| Insufficient Funds | $32 | Not stated | None |
| Insufficient Funds | $32 | Not stated | None |
| Overdraft Protection – Share Transfer | $5 | Not stated | None |
ATM & Card | |||
| Replacement Debit Card | $10 | per item | None |
Wire Transfers | |||
| Online Wire Transfer – Outgoing Domestic | $20 | Not stated | None |
| Wire Transfer – Outgoing Domestic | $25 | Not stated | None |
| Wire Transfer - Incoming Domestic | $10 | Not stated | None |
| Online Wire Transfer–Outgoing International | $45 | Not stated | None |
| Wire Transfer - Outgoing International U.S. Dollars | $45 | Not stated | None |
Check Services | |||
| Cashier’s Check Payable to Third Party | $5 | Not stated | None |
| Money Order | $3 | Not stated | None |
| Stop Payment – ACH Debit | $32 | Not stated | None |
| Stop Payment – ACH Debit | $32 | Not stated | None |
| Stop Payment – Bill Pay Check | $42 | Not stated | None |
| Stop Payment – Money Order | $32 | Not stated | None |
| Stop Payment – Personal/Business Check | $32 | Not stated | None |
| Zelle® Stop Payment User | $32 | Not stated | None |
| On-us Check Cashing (for non-members) | $5 | per item | None |
| Check Copy | $5 | Not stated | None |
Digital & Electronic | |||
| ACH Return | $10 | Not stated | None |
| Bill Pay Overnight Check | $14.95 | Not stated | None |
| Bill Pay Same Day Payment | $9.95 | Not stated | None |
| Zelle® Instant Payment User | No charge | Not stated | None |
Cash & Deposit | |||
| Coin Machine (at East Longmeadow/Hadley/Northampton King St./Springfield Branches) | No charge | Not stated | None |
| Returned Check Deposit | $10 | Not stated | None |
Account Services | |||
| Safe Deposit Box – Drilling and Re-Key | $450Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box – Late Payment | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10x10 | $150 | per year | None |
| Safe Deposit Box 10x10 | $150 | per year | None |
| Safe Deposit Box 3x10 | $70 | per year | None |
| Safe Deposit Box 3x10 | $70 | per year | None |
| Safe Deposit Box 3x5 | $45 | per year | None |
| Safe Deposit Box 3x5 | $45 | per year | None |
| Safe Deposit Box 5x10 | $90 | per year | None |
| Safe Deposit Box 5x10 | $90 | per year | None |
| Safe Deposit Box 5x5 | $55 | per year | None |
| Safe Deposit Box 5x5 | $55 | per year | None |
| Levy Compliance | $40 | Not stated | None |
Other Fees | |||
| Loan Payment by Phone | $10 | 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 Umassfive College 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
| Amherst, MA | 1 |
| Hadley, MA | 1 |
| Leeds, MA | 1 |
| Northampton, MA | 1 |
| Springfield, MA | 1 |
| Worcester, MA | 1 |
Largest competitors nearby
Local market: Hampshire county, MA, around its headquarters.
| 15 in its local market | Deposit share |
|---|---|
| Florence Bank | 25.3% |
| Bankesb | 22.8% |
| Bank of America, National Association | 12.4% |
| PeoplesBank | 8.8% |
| Country Bank for Savings | 8.2% |
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.