Compared with Massachusetts
4 of 12
compared fees are above the median.
3 below, 5 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
51st percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Massachusetts median
of 12 compared; 3 below, 5 about the same
See the feesFee schedule read Mar 17, 2026
Call-report figures are for River Works 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. | River Works Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Mar 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.4% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (51st 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 $202K in Q2 2026, 8.6% above the same quarter a year earlier ($186K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 12 compared published fees sit above the Massachusetts median; 3 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 $18.75, the middle of its prices
NSF / Returned Item
Wire Transfer (Domestic Out)
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 rose 10% from Q3 2025 to Q2 2026, to $202K. Its share of revenue, 7.4%, is above the 7.2% median for credit unions with under $300M in assets.
$202K
River Works 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. *Monthly maintenance: Listed at $2.50 to $35; we compare the midpoint.
River Works Federal Credit Union · $193M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| River Works Federal Credit Union(this institution) | Lynn, MA | $193M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Beach Municipal Federal Credit Union | Virginia Beach, VA | $195M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Big Island Federal Credit Union | Hilo, HI | $195M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Coloramo Federal Credit Union | Grand Junction, CO | $196M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Democracy Federal Credit Union | Alexandria, VA | $188M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Discovery Federal Credit Union | Wyomissing, PA | $193M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Downriver Community Federal Credit Union | Ecorse, MI | $193M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Endurance Federal Credit Union | Duncan, OK | $196M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Central Federal Credit Union | Waco, TX | $192M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Government Employees Federal Credit Union | Austin, TX | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kauai Federal Credit Union | Lihue, HI | $193M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lone Star Federal Credit Union | Dallas, TX | $188M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Membersource Federal Credit Union | Houston, TX | $196M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Miami Firefighters Federal Credit Union | Miami, FL | $189M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Municipal Employees Credit Union of Oklahoma City | Oklahoma City, OK | $190M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Northeast Community Federal Credit Union | Elizabethton, TN | $194M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Nw Preferred Federal Credit Union | Tigard, OR | $189M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| P & G Mehoopany Employees Federal Credit Union | Tunkhannock, PA | $195M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Polish-American Federal Credit Union | Troy, MI | $195M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Priority Trust Federal Credit Union | Houston, TX | $191M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ripco Federal Credit Union | Rhinelander, WI | $189M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Riverfall Federal Credit Union | Tuscaloosa, AL | $194M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Saco Valley Federal Credit Union | Saco, ME | $196M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Schools Federal Credit Union | Torrance, CA | $196M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sierra Pacific Federal Credit Union | Reno, NV | $189M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sky Federal Credit Union | Livingston, MT | $197M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $18.75, the middle of its two prices, against a peer median of $9 among 8 publishing peers.
Its two checking prices are $2.50 and $35.
$18.75 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 Nov 2, 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for River Works 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 | $202K | +$3K | +1.5% |
| Q1 2026 | $199K | +$34K | +20.6% |
| Q4 2025 | $165K | −$18K | −9.8% |
| Q3 2025 | $183K | −$3K | −1.6% |
| Q2 2025 | $186K | +$20K | +12.0% |
| Q1 2025 | $166K | −$15K | −8.3% |
| Q4 2024 | $181K | +$5K | +2.8% |
| Q3 2024 | $176K | +$12K | +7.3% |
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, River Works 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 River Works Federal Credit Union by share.
Amounts from River Works Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Maintenance Service Charge (audience not stated, treated as personal) | $2.50Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Monthly Maintenance | $35Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Returned Item/Insufficient Funds | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Reissue of Lost/Stolen Cards | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer: Outgoing Domestic (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer: Incoming Domestic (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer: Incoming International (audience not stated, treated as personal) | $40Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Bank Checks (audience not stated, treated as personal) | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment on Bill Payer (audience not stated, treated as personal) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Orders | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Orders — 65 and Over | No chargeBelow the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Payer (monthly fee) (audience not stated, treated as personal) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Account Services | |||
| Tax Levy/Subpoenas/Attachments (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer or Close (audience not stated, treated as personal) | $50Above the U.S. middle 50% ($25 to $35 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
Mar 17, 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 River Works Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Dorchester, MA | 1 |
| Lynn, MA | 1 |
| Lynnfield, MA | 1 |
| Manchester, NH | 1 |
| Somerville, MA | 1 |
Largest competitors nearby
Local market: Essex county, MA, around its headquarters.
| 50 in its local market | Deposit share |
|---|---|
| Salem Five Cents Savings Bank | 15% |
| TD Bank, National Association | 12.7% |
| Eastern Bank | 11.3% |
| Institution for Savings in Newburyport and Its Vicinity | 10.7% |
| Bank of America, National Association | 9.2% |
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.