Compared with Massachusetts
8 of 28
compared fees are above the median.
6 below, 14 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
37th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Massachusetts median
of 28 compared; 6 below, 14 about the same
See the feesFee schedule read Apr 21, 2026
Call-report figures are for Workers 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 452 credit unions with $1B to $10B 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. | Workers Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Apr 21, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.7% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (37th 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 $2.2M in Q2 2026, 7.3% above the same quarter a year earlier ($2.0M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 28 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.
Monthly Maintenance
Compared at $10, the middle of its prices
Overdraft (OD)
NSF / Returned Item
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 was about level from Q3 2025 to Q2 2026, at $2.2M. Its share of revenue, 5.7%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$2.2M
Workers 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $20; we compare the midpoint.
Workers Federal Credit Union · $2.5B 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 |
|---|---|---|---|---|---|---|---|
| Workers Federal Credit Union(this institution) | Littleton, MA | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| A+ Federal Credit Union | Austin, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Advancial Federal Credit Union | Dallas, TX | $2.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Allegacy Federal Credit Union | Winston Salem, NC | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Altura Federal Credit Union | Riverside, CA | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Atlanta Postal Federal Credit Union | Atlanta, GA | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Austin Telco Federal Credit Union | Austin, TX | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Barksdale Federal Credit Union | Barksdale Afb, LA | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Brightbridge Federal Credit Union | Lawrence, MA | $2.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Centra Federal Credit Union | Columbus, IN | $2.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Credit Union of Colorado, A | Denver, CO | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Credit Union of Texas | Allen, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Dort Financial Federal Credit Union | Grand Blanc, MI | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dow Federal Credit Union | Midland, MI | $2.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Elements Financial Federal Credit Union | Indianapolis, IN | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Elga Federal Credit Union | Grand Blanc, MI | $2.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Firefighters First Federal Credit Union | Los Angeles, CA | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Georgia United Federal Credit Union | Duluth, GA | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hughes Federal Credit Union | Tucson, AZ | $2.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ithink Financial Federal Credit Union | Boca Raton, FL | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jsc Federal Credit Union | Houston, TX | $2.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Kemba Financial Federal Credit Union | Gahanna, OH | $2.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kitsap Federal Credit Union | Bremerton, WA | $2.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Max Federal Credit Union | Montgomery, AL | $2.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| South Carolina Federal Credit Union | North Charleston, SC | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Texans Federal Credit Union | Richardson, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10, the middle of its five prices, against a peer median of $6.50 among 15 publishing peers.
Its five checking prices are $5, $7, $10, $15 and $20.
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 29, 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 Oct 29, 2026. Total assets from FDIC and NCUA records.
Call reports for Workers Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 22 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $2.2M | +$139K | +6.9% |
| Q1 2026 | $2.0M | −$311K | −13.3% |
| Q4 2025 | $2.3M | +$172K | +7.9% |
| Q3 2025 | $2.2M | +$148K | +7.3% |
| Q2 2025 | $2.0M | +$46K | +2.3% |
| Q1 2025 | $2.0M | −$77K | −3.8% |
| Q4 2024 | $2.0M | +$192K | +10.4% |
| Q3 2024 | $1.9M | −$18K | −1.0% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Workers 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 Workers Federal Credit Union by share.
Amounts from Workers Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per month
one time
per item
per year
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Maintenance Service Charge (audience not stated, treated as personal) | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Maintenance Service Charge (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Maintenance Service Charge (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Maintenance Service Charge (audience not stated, treated as personal) | $7Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Maintenance Service Charge per statement cycle (audience not stated, treated as personal) | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Closing Account (within 6 months of opening) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment Fee (Abandoned/Unclaimed Property) | $30Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactivity Fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research/Balancing | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee (per statement cycle) | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Undeliverable Mail Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Paid NSF Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Bill Pay Return Item (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Non-Sufficient Funds: Stop Payment Fee (includes Bill Pay) (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned NSF Fee (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection “ODP” Transfer Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Debit Card Service Charge (Replacement Card Fee) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire Transfer Fee (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Domestic Wire Transfer Fee (audience not stated, treated as personal) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing Foreign Wire Transfer Fee | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Incoming Foreign Wire Transfer Fee | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check Fee | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order Fee (audience not stated, treated as personal) | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Fee (includes Bill Pay) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Check Fee 4 | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Non-Member Check Cashing Fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Item Fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy Fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copies of Deposits/Items Fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Origination Fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Cash & Deposit | |||
| ACH, one-time from Credit Card, Debit Card, or Non-Workers Savings or Checking Account, each occurrence Night Deposit Ba | $10Inside the U.S. middle 50% ($5 to $15 nationally) | one time | None |
Account Services | |||
| Notary Public Fee: Non-members | $1.25Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| | 20x15 | $160Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Collection Item Fee | $10Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Copies of Deposits/Items Fee | $5Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Lost Key Fee | $15Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Box | $135Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box | $145Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x5 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x10 | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x5 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Subordination Fee | $150Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment Fee (audience not stated, treated as personal) | $5Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Early Closeout Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
| IRA Transfer/Rollover Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Copy of 1099 or 1098 Fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy Fee (per page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Loan Payment by Phone Fee | $10Below the U.S. middle 50% ($20 to $37.50 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
Apr 21, 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 Workers Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
12 offices in 1 state (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Athol, MA | 1 |
| Chelmsford, MA | 1 |
| Fitchburg, MA | 1 |
| Gardner, MA | 1 |
| Groton, MA | 1 |
| Lancaster, MA | 1 |
| Littleton, MA | 1 |
| Lunenburg, 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.