Compared with Massachusetts
1 of 7
compared fees are above the median.
5 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
2nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Massachusetts median
of 7 compared; 5 below, 1 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Billerica 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) 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 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. | Billerica Municipal Employees Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 0.5% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (2nd 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 $1K in Q2 2026, about level with the same quarter a year earlier ($1K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
1 of 7 compared published fees sit above the Massachusetts median; 5 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.
NSF / Returned Item
Compared at $17.50, the middle of its prices
Overdraft (OD)
Compared at $30, its standard fee, the highest of its prices
Stop Payment
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 fell 50% from Q3 2025 to Q2 2026, to $1K. Its share of revenue, 0.5%, is below the 7.2% median for credit unions with under $300M in assets.
$1K
Billerica Municipal Employees 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.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Overdraft: Listed at $5 to $30; we compare the highest.
Billerica Municipal Employees Federal Credit Union · $24M 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 21 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Billerica Municipal Employees Federal Credit Union(this institution) | Billerica, MA | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Advantage One Federal Credit Union | Morrison, IL | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Alliance Niagara Federal Credit Union | Sanborn, NY | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Bayou City Federal Credit Union | Houston, TX | $24M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Chattahoochee Federal Credit Union | Valley, AL | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Financial Educators Federal Credit Union | Daytona Beach, FL | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Glynn County Federal Employees | Brunswick, GA | $23M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hamakua Federal Credit Union | Pepeekeo, HI | $23M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Honeywell Philadelphia Div Federal Credit Union | Ft Washington, PA | $24M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Main Impact Federal Credit Union | Murray, KY | $23M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Members 1St Federal Credit Union | Brattleboro, VT | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Mid-State Federal Credit Union | Carteret, NJ | $23M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mint Valley Federal Credit Union | Longview, WA | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Monroe County Teachers Federal Credit Union | Key West, FL | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| N.F.G. #2 Federal Credit Union | Warren, PA | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ontario Public Employees Federal Credit Union | Ontario, CA | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Priority Plus Federal Credit Union | Wilmington, DE | $23M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| S C I Federal Credit Union | Florence, SC | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Strategic Federal Credit Union | Sterling, VA | $23M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sylvania Area Federal Credit Union | Sylvania, OH | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Tee-Pak Federal Credit Union | Danville, IL | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Thiokol Elkton Federal Credit Union | Elkton, MD | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Trades & Labor Federal Credit Union | Albert Lea, MN | $23M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Unite Federal Credit Union | Cedar Falls, IA | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Westmoreland Water Federal Credit Union | Greensburg, PA | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wolf Point Federal Credit Union | Wolf Point, MT | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 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.
Monthly maintenance fee in dollars, one mark per institution
Billerica Municipal Employees 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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Billerica Municipal Employees 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 | $1K | $0 | 0.0% |
| Q1 2026 | $1K | +$1K | |
| Q4 2025 | $0 | −$2K | −100.0% |
| Q3 2025 | $2K | +$1K | +100.0% |
| Q2 2025 | $1K | $0 | 0.0% |
| Q1 2025 | $1K | $0 | 0.0% |
| Q4 2024 | $1K | $0 | 0.0% |
| Q3 2024 | $1K | $0 | 0.0% |
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, Billerica Municipal Employees 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 Billerica Municipal Employees Federal Credit Union by share.
Amounts from Billerica Municipal Employees Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| ACCOUNT RECONCILIATIONS (per hour) | $15Not compared: Charged per hour; comparison unavailable | per hour | ACCOUNT RECONCILIATIONS (per hour) $15.00 |
| RESEARCH (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | RESEARCH (per hour) $25.00 |
Overdraft & NSF | |||
| Overdraft (OD) | $5Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| OVERDRAFT FEE (per item – Including re-deposited items) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Nonsufficient Funds (Draft Non-Suff FUN) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF / Returned Item | $5Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
Check Services | |||
| STOP PAYMENTS (all items) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| COPY OF BMECU CHECK (Treasurers Check) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Share Draft | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| COPY OF SHARE DRAFT (per draft/check) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| DEPOSIT ITEM RETURNED UNPAID (Drawn on own acct) | $30Above the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
| DEPOSIT ITEM RETURNED UNPAID (Not your item) | $8.41Below the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Garnishment Fee | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levies | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Photocopy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 11, 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 Billerica Municipal Employees Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Billerica, MA | 2 |
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.