Cranston Municipal Employees Federal Credit Union

Headquarters: Cranston, Rhode Island
Charter: Credit Union
Assets: $79.8M
Fed district: Boston
Regulator: NCUA

15 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 6, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 6, 2026

How these figures are measured

Call-report figures are for Cranston Municipal Employees 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Cranston Municipal Employees Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 6, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Cranston Municipal Employees Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $19K in Q2 2026, 46% above the same quarter a year earlier ($13K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
Cranston Municipal Employees Federal Credit Union: $30
Cranston Municipal Employees Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Cranston Municipal Employees Federal Credit Union: $1
Cranston Municipal Employees Federal Credit Union: $1
U.S. median: no median
Stop Payment
Cranston Municipal Employees Federal Credit Union: $25
Cranston Municipal Employees Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Rhode Island, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Rhode Island: Banks and credit unions headquartered in Rhode Island that publish the fee.
Boston district: Banks and credit unions headquartered in the Boston Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income rose 19% from Q3 2025 to Q2 2026, to $19K.

Fee income, Q2 2026

$19K

$16KQ3 2025

$14KQ4 2025

$13KQ1 2026

$19KQ2 2026

Against the median

Cranston Municipal Employees Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Cranston Municipal Employees Federal Credit Union · $80M 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 16 states.

Credit unions only
$79M to $82M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Cranston Municipal Employees Federal Credit Union(this institution)	Cranston, RI	$80M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Baylor Health Care System Federal Credit Union	Dallas, TX	$81M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cal State L.A. Federal Credit Union	Los Angeles, CA	$80M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Camc Federal Credit Union	Charleston, WV	$80M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Castparts Employees Federal Credit Union	Portland, OR	$80M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Credit Union of Atlanta	Atlanta, GA	$79M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Diamond Lakes Federal Credit Union	Malvern, AR	$80M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Dillon Federal Credit Union	Hutchinson, KS	$80M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Eastmill Federal Credit Union	East Millinocket, ME	$80M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Enbright Federal Credit Union	Nashville, TN	$79M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Fannin Federal Credit Union	Bonham, TX	$81M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
G.A.P. Federal Credit Union	Johnstown, PA	$79M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Hawaii Schools Federal Credit Union	Honolulu, HI	$79M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Kahului Federal Credit Union	Kahului, HI	$79M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Lake Huron Federal Credit Union	Saginaw, MI	$82M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Metro Federal Credit Union	Arlington Heights, IL	$80M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Muskegon Federal Credit Union	Muskegon, MI	$81M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Pittsburgh Firefighters' Federal Credit Union	Pittsburgh, PA	$81M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Postcity Financial Federal Credit Union	Long Beach, CA	$79M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Railroad Employees Federal Credit Union	Belen, NM	$80M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Select Employees Federal Credit Union	Sterling, IL	$79M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Sonoma Federal Credit Union	Santa Rosa, CA	$80M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Thornapple Federal Credit Union	Hastings, MI	$79M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Timberline Federal Credit Union	Crossett, AR	$80M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Westedge Federal Credit Union	Bellingham, WA	$79M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Your Legacy Federal Credit Union	Tiffin, OH	$79M	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 · 12 publish this fee(out-of-network atm)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Out-of-network ATM is broadly aligned with similar-sized credit unions: within 1% of their median.

Its published price is $1, against a peer median of $1 among 12 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 31, 2026.

Out-of-network ATM fee in dollars, one mark per institution

Cranston Municipal Employ…Peer (equal prices stack)Peer median

Against this institution's out-of-network atm fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Cranston Municipal Employees Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $19K
vs prior quarter: +$6K+46.2%; from Q1 2026
vs a year earlier: +$6K+46.2%; from Q2 2025
vs start of range: +$6K+46.2%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Cranston Municipal Employees Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$19K	+$6K	+46.2%
Q1 2026	$13K	−$1K	−7.1%
Q4 2025	$14K	−$2K	−12.5%
Q3 2025	$16K	+$3K	+23.1%
Q2 2025	$13K	+$1K	+8.3%
Q1 2025	$12K	−$1K	−7.7%
Q4 2024	$13K	$0	0.0%
Q3 2024	$13K	+$3K	+30.0%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Cranston Municipal Employees Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Club Closeout$5
Escheatment Fee$50
Account Reconciliation Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Incorrect Address Fee$5

Overdraft & NSF

Insufficient Funds$30
per item
Savings Overdraft Transfer$5

ATM & Card

ATM (after 6 in one month)$1
per item
Card Replacement$10

Check Services

Treasurer/Cashier Checks Fee$5
Stop Payment Order$25
Copy of Draft$5

Cash & Deposit

Returned Deposit Item$15

Account Services

Levy Processing$25
Subordination Fee$150

Other Fees

Copy of Statement$5
Duplicate Lien Release$10

Fee	Amount	Basis	Note
Account Maintenance
Early Club Closeout	$5	Not stated	None
Escheatment Fee	$50	Not stated	None
Account Reconciliation Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Incorrect Address Fee	$5	Not stated	None
Overdraft & NSF
Insufficient Funds	$30	per item	None
Savings Overdraft Transfer	$5	Not stated	None
ATM & Card
ATM (after 6 in one month)	$1	per item	None
Card Replacement	$10	Not stated	None
Check Services
Treasurer/Cashier Checks Fee	$5	Not stated	None
Stop Payment Order	$25	Not stated	None
Copy of Draft	$5	Not stated	None
Cash & Deposit
Returned Deposit Item	$15	Not stated	None
Account Services
Levy Processing	$25	Not stated	None
Subordination Fee	$150	Not stated	None
Other Fees
Copy of Statement	$5	Not stated	None
Duplicate Lien Release	$10	Not stated	None

Fee	Amount	Basis	Note
Check Services
Stop Payment/Corporate: Check	$25	Not stated	None

Correct a fee source

Oct 6, 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.

Fee change alerts

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