St. Mary'S Bank Federal Credit Union

Headquarters: Manchester, New Hampshire
Charter: Credit Union
Assets: $1.8B
Fed district: Boston
Regulator: NCUA

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

Source: its fee schedule, read Oct 8, 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 8, 2026

How these figures are measured

Call-report figures are for St. Mary'S Bank 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.	St. Mary'S Bank Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 8, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: St. Mary'S Bank 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 $3.3M in Q2 2026, 5.4% above the same quarter a year earlier ($3.1M).
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.

Monthly Maintenance
Compared at $6.50, the middle of its prices
St. Mary'S Bank Federal Credit Union: $3 to $10
St. Mary'S Bank Federal Credit Union: $3 to $10
U.S. median: no median
Overdraft (OD)
St. Mary'S Bank Federal Credit Union: $32
St. Mary'S Bank Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
St. Mary'S Bank Federal Credit Union: $32
St. Mary'S Bank Federal Credit Union: $32
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 8, 2026View sources

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.

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).
New Hampshire: Banks and credit unions headquartered in New Hampshire 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 3.9% from Q3 2025 to Q2 2026, to $3.3M.

Fee income, Q2 2026

$3.3M

$3.2MQ3 2025

$3.3MQ4 2025

$3.0MQ1 2026

$3.3MQ2 2026

Against the median

St. Mary'S Bank 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

St. Mary'S Bank Federal Credit Union · $1.8B 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 17 states.

Credit unions only
$1.6B to $1.9B in assets
Headquartered in 17 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
St. Mary'S Bank Federal Credit Union(this institution)	Manchester, NH	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bay Federal Credit Union	Capitola, CA	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Credit Union 1	Anchorage, AK	$1.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Credit Union of America	Wichita, KS	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Datcu Federal Credit Union	Denton, TX	$1.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Educational Federal Credit Union	Miami, FL	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fibre Federal Credit Union	Longview, WA	$1.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Financial Plus Federal Credit Union	Flint, MI	$1.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Frontwave Federal Credit Union	Oceanside, CA	$1.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Greater Nevada Federal Credit Union	Carson City, NV	$1.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Greylock Federal Credit Union	Pittsfield, MA	$1.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Honor Federal Credit Union	Berrien Springs, MI	$1.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kemba Federal Credit Union	West Chester, OH	$1.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Marion And Polk Schools Federal Credit Union	Salem, OR	$1.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Merck Employees Federal Credit Union	Rahway, NJ	$1.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Mid-Hudson Valley Federal Credit Union	Kingston, NY	$1.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Monterra Federal Credit Union	Redwood City, CA	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Northrop Grumman Federal Credit Union	Gardena, CA	$1.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Publix Employees Federal Credit Union	Lakeland, FL	$1.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Scott Federal Credit Union	Edwardsville, IL	$1.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Skyla Federal Credit Union	Charlotte, NC	$1.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Truwest Federal Credit Union	Scottsdale, AZ	$1.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Tyndall Federal Credit Union	Panama City, FL	$1.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
United Heritage Federal Credit Union	Austin, TX	$1.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Unitus Community Federal Credit Union	Tigard, OR	$1.8B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
University Of Kentucky Federal Credit Union	Lexington, KY	$1.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $1 (18%) above the median of similar-sized credit unions.

Compared at $6.50, the middle of its two prices, against a peer median of $5.50 among 13 publishing peers.

Its two checking prices are $3 and $10.

$6.50 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 Oct 27, 2026.

Monthly maintenance fee in dollars, one mark per institution

St. Mary'S Bank Federal C…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

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 27, 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 St. Mary'S Bank 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: $3.3M
vs prior quarter: +$257K+8.5%; from Q1 2026
vs a year earlier: +$167K+5.4%; from Q2 2025
vs start of range: +$319K+10.8%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: St. Mary'S Bank 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	$3.3M	+$257K	+8.5%
Q1 2026	$3.0M	−$231K	−7.1%
Q4 2025	$3.3M	+$97K	+3.1%
Q3 2025	$3.2M	+$44K	+1.4%
Q2 2025	$3.1M	+$236K	+8.2%
Q1 2025	$2.9M	−$402K	−12.2%
Q4 2024	$3.3M	+$318K	+10.7%
Q3 2024	$3.0M	+$91K	+3.2%

Fee-income share against its size cohort

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

Published fee schedule

Amounts from St. Mary'S Bank Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$10
per month
Monthly service fee$3
per month
Abandoned Account Escheatment$75
Account research$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper statements$2
per month

Overdraft & NSF

Payment Privilege Fee$32
per item
Payment Privilege Fee or a NSF Fee (audience not stated, treated as personal)$32
Overdraft Sweep (audience not stated, treated as personal)$2
per transaction
Overdraft Sweep1, 2$2
per item

ATM & Card

Foreign ATM usage$1
Lost debit or credit card$10
Express Delivery of Debit or Credit Card$40
per item

Wire Transfers

Wire transfers: Domestic outgoing$25
Wire transfers: Domestic incoming$10

Check Services

Treasurers checks$5
Money order$4
Stop payment$30
per item
Temporary Checks$2
per item · per sheet of four
Check cashing (over $100)$6
Canadian/foreign check processing: Other foreign checks$35
Check copy$5

Account Services

Notary services for non-members$5
Safe Deposit Box-box drilling$275
Not compared: Monthly charge, not annual
per month
Safe Deposit Box-key replacement$25
Not compared: Box drilling or key fee
Levies/writs/attachments$125

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$10	per month	None
Monthly service fee	$3	per month	None
Abandoned Account Escheatment	$75	Not stated	None
Account research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper statements	$2	per month	None
Overdraft & NSF
Payment Privilege Fee	$32	per item	None
Payment Privilege Fee or a NSF Fee (audience not stated, treated as personal)	$32	Not stated	None
Overdraft Sweep (audience not stated, treated as personal)	$2	per transaction	None
Overdraft Sweep1, 2	$2	per item	None
ATM & Card
Foreign ATM usage	$1	Not stated	None
Lost debit or credit card	$10	Not stated	None
Express Delivery of Debit or Credit Card	$40	per item	None
Wire Transfers
Wire transfers: Domestic outgoing	$25	Not stated	None
Wire transfers: Domestic incoming	$10	Not stated	None
Check Services
Treasurers checks	$5	Not stated	None
Money order	$4	Not stated	None
Stop payment	$30	per item	None
Temporary Checks	$2	per item	per sheet of four
Check cashing (over $100)	$6	Not stated	None
Canadian/foreign check processing: Other foreign checks	$35	Not stated	None
Check copy	$5	Not stated	None
Account Services
Notary services for non-members	$5	Not stated	None
Safe Deposit Box-box drilling	$275Not compared: Monthly charge, not annual	per month	None
Safe Deposit Box-key replacement	$25Not compared: Box drilling or key fee	Not stated	None
Levies/writs/attachments	$125	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

Overdraft & NSF

Payment Privilege Fee$32
per item
Returned Item Fee$32
Overdraft Sweep1, 2$2
per item

Fee	Amount	Basis	Note
Overdraft & NSF
Payment Privilege Fee	$32	per item	None
Returned Item Fee	$32	Not stated	None
Overdraft Sweep1, 2	$2	per item	None

Correct a fee source

Oct 8, 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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