Compared with Massachusetts
11 of 22
compared fees are above the median.
4 below, 7 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
26th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Massachusetts median
of 22 compared; 4 below, 7 about the same
See the feesFee schedule read Oct 25, 2026
Call-report figures are for Luso 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. | Luso Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 25, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 3.8% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (26th 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 $107K in Q2 2026, 7.8% below the same quarter a year earlier ($116K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
11 of 22 compared published fees sit above the Massachusetts median; 4 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)
Monthly Maintenance
Compared at $5.45, the middle of its prices
Wire Transfer (Domestic Out)
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 16% from Q3 2025 to Q2 2026, to $107K. Its share of revenue, 3.8%, is below the 7.2% median for credit unions with under $300M in assets.
$107K
Luso 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.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $3.95 to $6.95; we compare the midpoint.
Luso Federal Credit Union · $245M 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 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Luso Federal Credit Union(this institution) | Ludlow, MA | $245M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bossier Federal Credit Union | Bossier City, LA | $245M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Building Trades Federal Credit Union | Maple Grove, MN | $250M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Bull Dog Federal Credit Union | Hagerstown, MD | $238M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cedar Falls Community Federal Credit Union | Cedar Falls, IA | $252M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Corazo Federal Credit Union | El Centro, CA | $244M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Encompass Federal Credit Union | Tipton, IN | $241M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Geovista Federal Credit Union | Hinesville, GA | $247M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greater Alliance Federal Credit Union | Paramus, NJ | $248M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Illinois State Federal Credit Union | Normal, IL | $249M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Investex Federal Credit Union | Humble, TX | $245M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jersey Shore Federal Credit Union | Northfield, NJ | $246M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Mc Federal Credit Union | Danville, PA | $247M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meritus Federal Credit Union | Lafayette, LA | $246M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Michigan One Community Federal Credit Union | Ionia, MI | $240M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Novation Federal Credit Union | Oakdale, MN | $244M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nw Priority Federal Credit Union | Portland, OR | $248M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ohio Valley Community Federal Credit Union | Clarington, OH | $244M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pioneer Appalachia Federal Credit Union | Charleston, WV | $245M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pyramid Federal Credit Union | Tucson, AZ | $248M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Seaboard Federal Credit Union | Bucksport, ME | $246M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Shrewsbury Federal Credit Union | Shrewsbury, MA | $249M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Skypoint Federal Credit Union | Germantown, MD | $243M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southbridge Federal Credit Union | Southbridge, MA | $242M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southern Security Federal Credit Union | Collierville, TN | $252M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sterling Federal Credit Union | Sterling, CO | $247M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5.45, the middle of its two prices, against a peer median of $8 among 10 publishing peers.
Its two checking prices are $3.95 and $6.95.
$5.45 is a comparison price, not a fee anyone is charged.
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
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.
Call reports for Luso 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 | $107K | +$5K | +4.9% |
| Q1 2026 | $102K | +$2K | +2.0% |
| Q4 2025 | $100K | −$27K | −21.3% |
| Q3 2025 | $127K | +$11K | +9.5% |
| Q2 2025 | $116K | +$30K | +34.9% |
| Q1 2025 | $86K | −$18K | −17.3% |
| Q4 2024 | $104K | +$9K | +9.5% |
| Q3 2024 | $95K | −$9K | −8.7% |
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, Luso 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 Luso Federal Credit Union by share.
Amounts from Luso Federal Credit Union’s own schedules, with a source for each figure.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly maintenance fee | $6.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $3.95Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing/Reconciliation | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Processing | No chargeBelow the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdrafts Paid | $37Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Sustained Overdraft – After 5 Days | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| Overdraft Protection Transfer | $12Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Rush Order Processing | $75Above the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Domestic wire (audience not stated, treated as personal) | $40Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Domestic wire (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Mortgage Payoff – Incoming/Domestic wire | $25Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Outgoing International wire (audience not stated, treated as personal) | $65Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Official Check: Member | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order: Member | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Money Order: Non-Member (CASH ONLY) | $10Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| ACH Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Bill Payer Stop Payment – Member Request | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Share Draft Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment / Reissue | $40Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Check | No chargeBelow the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Monthly eStatement Processing with Check Images | No chargeNot compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Coin Machine: Member (audience not stated, treated as personal) | No chargeInside the U.S. middle 50% ($0 to $2 nationally) | Not stated | None |
| Foreign VISA Credit Card Cash Advance | $10Inside the U.S. middle 50% ($2 to $10 nationally) | per item | None |
| Chargeback Processing | $20Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Re-Deposit Returned Checks | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary: Member (audience not stated, treated as personal) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary: Non-Member | $10Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Additional Lost Key | $25Not compared: Box drilling or key fee | per item | None |
| Late Payment | $25Not compared: Monthly charge, not annual | per month | None |
| Tax Levy | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Home Equity Product(s) Subordination Fee | $150Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
| Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Lending Fees | |||
| Late Payment | $25Not compared: Monthly charge, not per item | per month | None |
Retirement & IRA | |||
| IRA Transfer: Incoming (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
| IRA Transfer: Outgoing (audience not stated, treated as personal) | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Fax: Incoming | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopy | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 25, 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 Luso Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Ludlow, MA | 1 |
| Wilbraham, MA | 1 |
Largest competitors nearby
Local market: Hampden county, MA, around its headquarters.
| 27 in its local market | Deposit share |
|---|---|
| PeoplesBank | 17.1% |
| TD Bank, National Association | 15.9% |
| Westfield Bank | 13.9% |
| Bank of America, National Association | 10.9% |
| Manufacturers and Traders Trust Company | 7.1% |
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.