Compared with Massachusetts
4 of 14
compared fees are above the median.
6 below, 4 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
10th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Massachusetts median
of 14 compared; 6 below, 4 about the same
See the feesFee schedule read Oct 9, 2026
Call-report figures are for Align 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 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. | Align 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 3.6% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (10th 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 $284K in Q2 2026, 131% above the same quarter a year earlier ($123K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 14 compared published fees sit above the Massachusetts median; 6 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
Wire Transfer (Domestic Out)
Stop Payment
Compared at $17.50, the middle of its prices
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 104% from Q3 2025 to Q2 2026, to $284K. Its share of revenue, 3.6%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$284K
Align 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.
Align Federal Credit Union · $651M 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 |
|---|---|---|---|---|---|---|---|
| Align Federal Credit Union(this institution) | Lowell, MA | $651M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Adventure Federal Credit Union | Grand Rapids, MI | $646M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| American 1 Federal Credit Union | Jackson, MI | $661M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Beehive Federal Credit Union | Rexburg, ID | $648M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bellwether Community Federal Credit Union | Manchester, NH | $675M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| City Federal Credit Union | Dallas, TX | $630M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Co-Op Federal Credit Union | Black River Falls, WI | $627M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Coast360 Federal Credit Union | Maite, GU | $633M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Consumer Federal Credit Union | Greeneville, TN | $660M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Emblem Credit Union | Gadsden, AL | $628M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Evergreen Federal Credit Union | Portland, ME | $645M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fedex Employees Credit Association Federal Credit Union | Memphis, TN | $641M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Financial Resources Federal Credit Union | Branchburg, NJ | $659M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Peoples Community Federal Credit Union | Cumberland, MD | $666M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| G.P.O. Federal Credit Union | New Hartford, NY | $630M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Inova Federal Credit Union | Elkhart, IN | $643M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Insight Federal Credit Union | Winter Springs, FL | $629M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Johns Hopkins Federal Credit Union | Baltimore, MD | $637M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Metro Credit Union | Omaha, NE | $646M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Omni Community Federal Credit Union | Battle Creek, MI | $662M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Our Community Federal Credit Union | Shelton, WA | $638M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Partner Colorado Federal Credit Union | Arvada, CO | $644M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Premier One Federal Credit Union | San Jose, CA | $656M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rio Grande Federal Credit Union | Albuquerque, NM | $666M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Security Federal Credit Union | Grand Blanc, MI | $653M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wasatch Peaks Federal Credit Union | Ogden, UT | $658M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5.50 among 14 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 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Align 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 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Align 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 | $284K | +$1K | +0.4% |
| Q1 2026 | $283K | +$144K | +103.6% |
| Q4 2025 | $139K | $0 | 0.0% |
| Q3 2025 | $139K | +$16K | +13.0% |
| Q2 2025 | $123K | −$1K | −0.8% |
| Q1 2025 | $124K | −$29K | −19.0% |
| Q4 2024 | $153K | +$7K | +4.8% |
| Q3 2024 | $146K | +$4K | +2.8% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Align 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 Align Federal Credit Union by share.
Amounts from Align Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Abandoned Property Submission | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Monthly Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Transfers from Savings | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Transactions made at non-ALIGN ATM Terminal | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Plastic Card Replacement Fee (ATM, Debit, Credit) | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Fee (outgoing) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Wire Fee (outgoing) | $75Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Check Fee (>$500) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official Check Fee(≤$500) | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment (18/65 Accounts) | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Non-Member Check Cashing Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Image Copy (per copy) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Returned Deposited | $7.14Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| If a member opens several checking accounts, the limit is 1 box, not one box per: Tax Levy/Attachment | $20Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Plastic Card Replacement RUSH Fee (ATM, Debit: Mortgage Subordination Fee | $250Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy (per statement) | $5Inside the U.S. middle 50% ($2 to $5 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 Align Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
6 offices in 2 states (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Amesbury, MA | 1 |
| Danvers, MA | 1 |
| Framingham, MA | 1 |
| Haverhill, MA | 1 |
| Lowell, MA | 1 |
| Seabrook, NH | 1 |
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.