Compared with Massachusetts
5 of 15
compared fees are above the median.
4 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
42nd percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Massachusetts median
of 15 compared; 4 below, 6 about the same
See the feesFee schedule read Oct 9, 2026
Call-report figures are for Metro 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 452 credit unions with $1B to $10B 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. | Metro Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 9, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.0% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (42nd 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 $2.5M in Q2 2026, 40% above the same quarter a year earlier ($1.8M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 15 compared published fees sit above the Massachusetts median; 4 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.
Non-Network ATM
Overdraft (OD)
Compared at $34, its standard fee, the highest of its prices
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 fell 9.7% from Q3 2025 to Q2 2026, to $2.5M. Its share of revenue, 6.0%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$2.5M
Metro 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 452 credit unions with $1B to $10B 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 $34; we compare the highest.
Metro Federal Credit Union · $3.3B 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 |
|---|---|---|---|---|---|---|---|
| Metro Federal Credit Union(this institution) | Chelsea, MA | $3.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Achieva Credit Union | Dunedin, FL | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Altra Federal Credit Union | Onalaska, WI | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Arkansas Federal Credit Union | Little Rock, AR | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| California Coast Federal Credit Union | San Diego, CA | $3.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Chartway Federal Credit Union | Virginia Beach, VA | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Civic Federal Credit Union | Raleigh, NC | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Coastal1 Federal Credit Union | Pawtucket, RI | $3.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community First Credit Union of Flo | Jacksonville, FL | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Eastrise Federal Credit Union | Williston, VT | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Eglin Federal Credit Union | Fort Walton Beach, FL | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Elevations Federal Credit Union | Boulder, CO | $3.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| F & A Federal Credit Union | Monterey Park, CA | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Community Federal Credit Union | Houston, TX | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gte Federal Credit Union | Tampa, FL | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Harborstone Federal Credit Union | Tacoma, WA | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Indiana Members Federal Credit Union | Indianapolis, IN | $3.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Premier America Federal Credit Union | Chatsworth, CA | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Provident Federal Credit Union | Redwood City, CA | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rivermark Community Federal Credit Union | Oregon City, OR | $3.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Selco Community Federal Credit Union | Springfield, OR | $3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sound Federal Credit Union | Tacoma, WA | $3.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southern Energy Federal Credit Union | Birmingham, AL | $3.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tennessee Valley Federal Credit Union | Chattanooga, TN | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Usalliance Federal Credit Union | Rye, NY | $3.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Whatcom Educational Federal Credit Union | Bellingham, WA | $3.4B | Publishes Monthly maintenance | Out-of-network ATM not published | 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.
Peer pricing snapshot
The peer median is $7 among 13 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 30, 2026.
Monthly maintenance fee in dollars, one mark per institution
Metro 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 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Metro 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 | $2.5M | +$20K | +0.8% |
| Q1 2026 | $2.5M | −$253K | −9.2% |
| Q4 2025 | $2.8M | −$40K | −1.4% |
| Q3 2025 | $2.8M | +$993K | +54.8% |
| Q2 2025 | $1.8M | −$1.4M | −43.3% |
| Q1 2025 | $3.2M | +$426K | +15.4% |
| Q4 2024 | $2.8M | −$140K | −4.8% |
| Q3 2024 | $2.9M | −$588K | −16.8% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Metro 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 Metro Federal Credit Union by share.
Amounts from Metro Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| High Yield Savings (charged if the average daily balance falls below $10,000.00) | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant Account Reactivation | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconciliation and/or Research (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Paid NSF Fee | $34Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Paid NSF Fee | $5Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
ATM & Card | |||
| Per Balance Inquiry, Withdrawal, Advance or Transfer at non-Metro ATMs | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit/Credit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire Transfer | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Transfer | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing Foreign Wire Transfer | $30Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (minimum of 4) | $0.25Below the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Foreign Check Collection (Canada Only) | $12Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| Same Day ACH | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Levy, Lien, Writ and Attachment (Each) | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Other Fees | |||
| Reproduction of Statements (per statement) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Payment by Phone | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 9, 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 Metro Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
18 offices in 1 state (June 30, 2026)
Each dot is one office.
3 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Boston, MA | 3 |
| Chelsea, MA | 2 |
| Peabody, MA | 2 |
| Burlington, MA | 1 |
| Framingham, MA | 1 |
| Lawrence, MA | 1 |
| Lynn, MA | 1 |
| Medford, MA | 1 |
Largest competitors nearby
Local market: Suffolk county, MA, around its headquarters.
| 53 in its local market | Deposit share |
|---|---|
| State Street Bank and Trust Company | 63.5% |
| Bank of America, National Association | 16.4% |
| Citizens Bank, National Association | 10.2% |
| Santander Bank, N.A. | 3.3% |
| Eastern Bank | 2.5% |
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.