Compared with Connecticut
7 of 15
compared fees are above the median.
7 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
68th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Connecticut median
of 15 compared; 7 below, 1 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for Gha 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 Connecticut median | Published fees above the Connecticut median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Gha Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 10.0% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (68th 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 $38K in Q2 2026, 2.7% above the same quarter a year earlier ($37K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 15 compared published fees sit above the Connecticut median; 7 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 Connecticut medians for fees published by banks and credit unions.
NSF / Returned Item
Compared at $35, the middle of its prices
Wire Transfer (Domestic Out)
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Connecticut, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 7.3% from Q3 2025 to Q2 2026, to $38K. Its share of revenue, 10.0%, is above the 7.2% median for credit unions with under $300M in assets.
$38K
Gha 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.
Gha Federal Credit Union · $30M 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 |
|---|---|---|---|---|---|---|---|
| Gha Federal Credit Union(this institution) | Greenwich, CT | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Alcon Employees Federal Credit Union | Fort Worth, TX | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Alloy Federal Credit Union | Alloy, WV | $30M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bakersfield City Employees Federal Credit Union | Bakersfield, CA | $30M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bridgeport Police Federal Credit Union | Bridgeport, CT | $30M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Canandaigua Federal Credit Union | Canandaigua, NY | $29M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Elca Federal Credit Union | Chicago, IL | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ferko Md Federal Credit Union | Frederick, MD | $30M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Area Federal Credit Union | Lewistown, PA | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Government Printing Office Federal Credit Union | Washington, DC | $29M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Highway Alliance Federal Credit Union | Jefferson city, MO | $30M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Htm Federal Credit Union | Haverhill, MA | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| I B E W 26 Federal Credit Union | Lanham, MD | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | 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 |
| Malden Federal Credit Union | Malden, MA | $29M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Manville Area Federal Credit Union | Manville, NJ | $30M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Pinpoint Federal Credit Union | Milton, PA | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Postal Family Federal Credit Union | Fargo, ND | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rushmore Electric Federal Credit Union | Rapid City, SD | $29M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sun Pacific Federal Credit Union | Richmond, CA | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Texas Associations Of Professionals Federal Credit Union | San Antonio, TX | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Texas Community Federal Credit Union | Kingsville, TX | $30M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| United Energy Federal Credit Union | Humble, TX | $30M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Federal Credit Union | Tyler, TX | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Valwood Park Federal Credit Union | Carrollton, TX | $30M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Walton County Teachers Federal Credit Union | Defuniak Springs, FL | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | 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 Nov 1, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Gha 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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Gha 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 | $38K | −$2K | −5.0% |
| Q1 2026 | $40K | $0 | 0.0% |
| Q4 2025 | $40K | −$1K | −2.4% |
| Q3 2025 | $41K | +$4K | +10.8% |
| Q2 2025 | $37K | +$1K | +2.8% |
| Q1 2025 | $36K | −$5K | −12.2% |
| Q4 2024 | $41K | −$3K | −6.8% |
| Q3 2024 | $44K | +$6K | +15.8% |
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, Gha 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 Gha Federal Credit Union by share.
Amounts from Gha Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · | Reconciliation Fee | $20.00 per hour |
per hour · | Research Fee | $20.00 per hour |
per item
per item
per day
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Reconciliation Fee | $20Not compared: Charged per hour; comparison unavailable | per hour | | Reconciliation Fee | $20.00 per hour | |
| Research Fee | $20Not compared: Charged per hour; comparison unavailable | per hour | | Research Fee | $20.00 per hour | |
Overdraft & NSF | |||
| Insufficient Funds | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Non-Sufficient Funds | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Return Check | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Daily Overdraft Fee Incurred after 6th day | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| Overdraft /Transfer Fee | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Replacement of Final/Last Debit Card | $25Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Replacement of lost Debit Card 1st X | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Replacement of lost Debit Card 2nd X | $20Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Debit Card Rush Fee | $50Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Late Wire Domestic After 1:30 pm | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Fees: International | $35Below the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashiers Checks | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| ACH Stop Payments | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Credit Union Check | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Copy Cancelled Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Return | $30Inside the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Redeposit Return Check Fee | $5Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Returned Deposit Credit Union: Domestic | $20Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Lending Fees | |||
| AnnuAl fee other fees lAte fee | $10Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $5Not compared: Monthly charge, not per item | per month | None |
Nov 3, 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 Gha Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Greenwich, CT | 1 |
Largest competitors nearby
Local market: Western Connecticut Planning Region county, CT, around its headquarters.
| 31 in its local market | Deposit share |
|---|---|
| Webster Bank, National Association | 48.2% |
| Bank of America, National Association | 8.8% |
| JPMorgan Chase Bank, National Association | 8% |
| Wells Fargo Bank, National Association | 6% |
| Manufacturers and Traders Trust Company | 3.7% |
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.