Southbridge Federal Credit Union

Headquarters: Southbridge, Massachusetts
Charter: Credit Union
Assets: $242.4M
Fed district: Boston
Regulator: NCUA

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

Source: its fee schedule, read Feb 17, 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 Feb 17, 2026

How these figures are measured

Call-report figures are for Southbridge 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.	Southbridge Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Feb 17, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Southbridge 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 $357K in Q2 2026, 9.8% below the same quarter a year earlier ($396K).
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
Southbridge Federal Credit Union: $8
Southbridge Federal Credit Union: $8
U.S. median: no median
Overdraft (OD)
Compared at $32, its standard fee, the highest of its prices
Southbridge Federal Credit Union: $5 to $32
Southbridge Federal Credit Union: $5 to $32
U.S. median: no median
Wire Transfer (Domestic Out)
Southbridge Federal Credit Union: $25
Southbridge Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 2026View sources

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.

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).
Massachusetts: Banks and credit unions headquartered in Massachusetts 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 fell 13% from Q3 2025 to Q2 2026, to $357K.

Fee income, Q2 2026

$357K

$412KQ3 2025

$398KQ4 2025

$355KQ1 2026

$357KQ2 2026

Against the median

Southbridge 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

Southbridge Federal Credit Union · $242M 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 19 states.

Credit unions only
$235M to $249M in assets
Headquartered in 19 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
Southbridge Federal Credit Union(this institution)	Southbridge, MA	$242M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bossier Federal Credit Union	Bossier City, LA	$245M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Bull Dog Federal Credit Union	Hagerstown, MD	$238M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Corazo Federal Credit Union	El Centro, CA	$244M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Encompass Federal Credit Union	Tipton, IN	$241M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Service Federal Credit Union	Groveport, OH	$236M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Geovista Federal Credit Union	Hinesville, GA	$247M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Greater Alliance Federal Credit Union	Paramus, NJ	$248M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Illinois State Federal Credit Union	Normal, IL	$249M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Investex Federal Credit Union	Humble, TX	$245M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Jersey Shore Federal Credit Union	Northfield, NJ	$246M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Luso Federal Credit Union	Ludlow, MA	$245M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mc Federal Credit Union	Danville, PA	$247M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Meritus Federal Credit Union	Lafayette, LA	$246M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Michigan One Community Federal Credit Union	Ionia, MI	$240M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Novation Federal Credit Union	Oakdale, MN	$244M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Nw Priority Federal Credit Union	Portland, OR	$248M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ohio Valley Community Federal Credit Union	Clarington, OH	$244M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pioneer Appalachia Federal Credit Union	Charleston, WV	$245M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Pyramid Federal Credit Union	Tucson, AZ	$248M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sabine Federal Credit Union	Orange, TX	$235M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Seaboard Federal Credit Union	Bucksport, ME	$246M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Shrewsbury Federal Credit Union	Shrewsbury, MA	$249M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Skypoint Federal Credit Union	Germantown, MD	$243M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sterling Federal Credit Union	Sterling, CO	$247M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
True North Federal Credit Union	Juneau, AK	$236M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 11 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $1.50 (23%) above the median of similar-sized credit unions.

Its published price is $8, against a peer median of $6.50 among 11 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 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

Southbridge Federal Credi…Peer (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 Nov 4, 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 Southbridge 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: $357K
vs prior quarter: +$2K+0.6%; from Q1 2026
vs a year earlier: −$39K−9.8%; from Q2 2025
vs start of range: −$45K−11.2%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Southbridge 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	$357K	+$2K	+0.6%
Q1 2026	$355K	−$43K	−10.8%
Q4 2025	$398K	−$14K	−3.4%
Q3 2025	$412K	+$16K	+4.0%
Q2 2025	$396K	+$15K	+3.9%
Q1 2025	$381K	−$25K	−6.2%
Q4 2024	$406K	+$4K	+1.0%
Q3 2024	$402K	−$7K	−1.7%

Fee-income share against its size cohort

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

Published fee schedule

Amounts from Southbridge Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Ignite Monthly Maintenance Fee$8
per month
Account Closure Fee (Within 3 Months from Open Date)$5
Account Reconciliation (Per Request)$25
per item
Paper Statement Fee—Per Statement$5

Overdraft & NSF

Overdraft Charge (Paid Item)$32
Overdraft Charge (Paid Item)—Senior/Minor$5

ATM & Card

ATM/Debit Card Replacement Fee$15

Wire Transfers

Wire Transfer—Domestic—Outgoing$25
Wire Transfer—Domestic Incoming$10
Wire Transfer—Foreign—Outgoing$75

Check Services

Treasurer Check Withdrawal$3
Money Orders$3
Stop Payment—Treasurer, PDO, Club, Money Order$32
Temporary Checks$1
per item · Per page
Temporary Checks (Per Page)$1
per item
Check Cashing Fee (Per Check)$3
per item
Canadian Check Deposit (Per Check)$30
per item
Copy of Official Check$5

Digital & Electronic

Online Bill Pay Debit Return Fee$30

Cash & Deposit

Returned Deposit/Payment Item$32

Account Services

Levy/Garnishment$30

Retirement & IRA

IRA Yearly Maintenance Fee (Per Plan)$15
per year
IRA Transfer Fee$25

Other Fees

Copy of Statement—Each Page—1 Year Old or Less$3
per item
Photo Copies (Per Page)$0.50
per item

Fee	Amount	Basis	Note
Account Maintenance
Ignite Monthly Maintenance Fee	$8	per month	None
Account Closure Fee (Within 3 Months from Open Date)	$5	Not stated	None
Account Reconciliation (Per Request)	$25	per item	None
Paper Statement Fee—Per Statement	$5	Not stated	None
Overdraft & NSF
Overdraft Charge (Paid Item)	$32	Not stated	None
Overdraft Charge (Paid Item)—Senior/Minor	$5	Not stated	None
ATM & Card
ATM/Debit Card Replacement Fee	$15	Not stated	None
Wire Transfers
Wire Transfer—Domestic—Outgoing	$25	Not stated	None
Wire Transfer—Domestic Incoming	$10	Not stated	None
Wire Transfer—Foreign—Outgoing	$75	Not stated	None
Check Services
Treasurer Check Withdrawal	$3	Not stated	None
Money Orders	$3	Not stated	None
Stop Payment—Treasurer, PDO, Club, Money Order	$32	Not stated	None
Temporary Checks	$1	per item	Per page
Temporary Checks (Per Page)	$1	per item	None
Check Cashing Fee (Per Check)	$3	per item	None
Canadian Check Deposit (Per Check)	$30	per item	None
Copy of Official Check	$5	Not stated	None
Digital & Electronic
Online Bill Pay Debit Return Fee	$30	Not stated	None
Cash & Deposit
Returned Deposit/Payment Item	$32	Not stated	None
Account Services
Levy/Garnishment	$30	Not stated	None
Retirement & IRA
IRA Yearly Maintenance Fee (Per Plan)	$15	per year	None
IRA Transfer Fee	$25	Not stated	None
Other Fees
Copy of Statement—Each Page—1 Year Old or Less	$3	per item	None
Photo Copies (Per Page)	$0.50	per item	None

Correct a fee source

Feb 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.

Fee change alerts

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