Compared with New Hampshire
3 of 11
compared fees are above the median.
2 below, 6 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
59th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New Hampshire median
of 11 compared; 2 below, 6 about the same
See the feesFee schedule read Oct 6, 2026
Call-report figures are for Granite State 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 New Hampshire median | Published fees above the New Hampshire median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Granite State 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
Fee income was 8.9% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (59th 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 $1.2M in Q2 2026, 7.9% above the same quarter a year earlier ($1.1M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 11 compared published fees sit above the New Hampshire median; 2 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 New Hampshire medians for fees published by banks and credit unions.
OD Protection Transfer
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for New Hampshire, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 2.0% from Q3 2025 to Q2 2026, to $1.2M. Its share of revenue, 8.9%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$1.2M
Granite State 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.
Granite State Federal Credit Union · $749M 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 |
|---|---|---|---|---|---|---|---|
| Granite State Federal Credit Union(this institution) | Manchester, NH | $749M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 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 |
| Arizona Central Federal Credit Union | Phoenix, AZ | $733M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Bmi Federal Credit Union | Dublin, OH | $732M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Corda Federal Credit Union | Cedar Rapids, IA | $776M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Cpm Federal Credit Union | North Charleston, SC | $759M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union of Georgia | Woodstock, GA | $766M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dakotaland Federal Credit Union | Huron, SD | $752M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Department Of Commerce Federal Credit Union | Washington, DC | $739M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Freedom Federal Credit Union | Springfield, MA | $764M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Generations Community Federal Credit Union | San Antonio, TX | $735M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gfa Federal Credit Union | Gardner, MA | $747M | Publishes Monthly maintenance | Out-of-network ATM not published | 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 |
| 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 |
| Mass. Institute Of Tech. Federal Credit Union | Lexington, MA | $731M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Meridian Trust Federal Credit Union | Cheyenne, WY | $731M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oklahoma Central Federal Credit Union | Tulsa, OK | $760M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Pathways Financial Federal Credit Union | Columbus, OH | $772M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pioneer Federal Credit Union | Mountain Home, ID | $744M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Primeway Federal Credit Union | Houston, TX | $736M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Profed Federal Credit Union | Fort Wayne, IN | $763M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| R.I.A. Federal Credit Union | Rock Island, IL | $749M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | 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 |
| The First Financial Federal Credit Union | Pasadena, CA | $748M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Usc Federal Credit Union | Los Angeles, CA | $741M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 19 publish this fee(monthly maintenance)
6 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.95 among 19 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.
Monthly maintenance fee in dollars, one mark per institution
Granite State 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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Granite State 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 | $1.2M | +$104K | +9.3% |
| Q1 2026 | $1.1M | −$131K | −10.5% |
| Q4 2025 | $1.3M | +$51K | +4.2% |
| Q3 2025 | $1.2M | +$66K | +5.8% |
| Q2 2025 | $1.1M | +$89K | +8.5% |
| Q1 2025 | $1.0M | −$166K | −13.7% |
| Q4 2024 | $1.2M | −$9K | −0.7% |
| Q3 2024 | $1.2M | +$65K | +5.6% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Granite State 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 Granite State Federal Credit Union by share.
Amounts from Granite State Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per month
per item
per transaction
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Minimum Balance Fee - Easy Money Market | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Escheatment Fee | $150Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactivity Fee - Checking or Savings | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer from Share Account | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Wire Transfers | |||
| Domestic Wire Transfer Fee (outgoing) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Teller Check Fee (after one free per day) | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Account Services | |||
| Liens/Levies Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Withdrawal Fee (prior to age 59 1/2) | $30Inside the U.S. middle 50% ($25 to $35 nationally) | per transaction | None |
Other Fees | |||
| Copy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
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.
Where Granite State Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
10 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Concord, NH | 2 |
| Manchester, NH | 2 |
| Amherst, NH | 1 |
| Candia, NH | 1 |
| Derry, NH | 1 |
| Nashua, NH | 1 |
| Rochester, NH | 1 |
| Tilton, NH | 1 |
Largest competitors nearby
Local market: Hillsborough county, NH, around its headquarters.
| 29 in its local market | Deposit share |
|---|---|
| Citizens Bank, National Association | 29.6% |
| TD Bank, National Association | 23.6% |
| Bank of America, National Association | 19.8% |
| Primary Bank | 3.9% |
| Manufacturers and Traders Trust Company | 3.8% |
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.