Greenwood Federal Credit Union

Headquarters: Warwick, Rhode Island
Charter: Credit Union
Assets: $957.3M
Fed district: Boston
Regulator: NCUA

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

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

How these figures are measured

Call-report figures are for Greenwood 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.	Greenwood 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

Details

Source: NCUA 5300 call report
Entity: Greenwood 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 $1.1M in Q2 2026, 21% above the same quarter a year earlier ($907K).
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
Compared at $3.50, the middle of its prices
Greenwood Federal Credit Union: $0 to $7
Greenwood Federal Credit Union: $0 to $7
U.S. median: no median
Overdraft (OD)
Greenwood Federal Credit Union: $30
Greenwood Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Greenwood Federal Credit Union: $30
Greenwood Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Mar 17, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Rhode Island, 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).
Rhode Island: Banks and credit unions headquartered in Rhode Island 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 rose 7.1% from Q3 2025 to Q2 2026, to $1.1M.

Fee income, Q2 2026

$1.1M

$1.0MQ3 2025

$1.0MQ4 2025

$973KQ1 2026

$1.1MQ2 2026

Against the median

Greenwood 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

Greenwood Federal Credit Union · $957M 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.

Credit unions only
$916M to $995M in assets
Headquartered in 16 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
Greenwood Federal Credit Union(this institution)	Warwick, RI	$957M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Alpena-Alcona Area Federal Credit Union	Alpena, MI	$976M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Altaone Federal Credit Union	Ridgecrest, CA	$967M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Belco Community Credit Union	Harrisburg, PA	$974M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Campus Federal Credit Union	Baton Rouge, LA	$936M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Certified Federal Credit Union	El Monte, CA	$925M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Community Choice Federal Credit Union	Johnston, IA	$923M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Community First Federal Credit Union	Santa Rosa, CA	$921M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Resource Federal Credit Union	Baytown, TX	$930M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Del-One Federal Credit Union	Dover, DE	$983M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Enrichment Federal Credit Union	Oak Ridge, TN	$984M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fortera Federal Credit Union	Clarksville, TN	$947M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gather Federal Credit Union	Lihue, HI	$934M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Granite Federal Credit Union	Salt Lake City, UT	$918M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Greater Texas Federal Credit Union	Austin, TX	$995M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hoosier Hills Federal Credit Union	Bedford, IN	$938M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Houston Federal Credit Union	Sugar Land, TX	$952M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Matanuska Valley Federal Credit Union	Palmer, AK	$977M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Numark Federal Credit Union	Joliet, IL	$932M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Nutmeg State Financial Federal Credit Union	Rocky Hill, CT	$916M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Oklahoma'S Federal Credit Union	Oklahoma City, OK	$954M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Qualstar Federal Credit Union	Bothell, WA	$939M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tlc Community Federal Credit Union	Adrian, MI	$950M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
True Community Federal Credit Union	Jackson, MI	$955M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
University Of Hawaii Federal Credit Union	Honolulu, HI	$976M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Westreet Federal Credit Union	Tulsa, OK	$967M	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 · 9 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $4.50 (56%) below the median of similar-sized credit unions.

Compared at $3.50, the middle of its two prices, against a peer median of $8 among 9 publishing peers.

Its two checking prices are $0 and $7.

$3.50 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 Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Greenwood Federal Credit…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (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 Oct 31, 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 Greenwood 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: $1.1M
vs prior quarter: +$125K+12.8%; from Q1 2026
vs a year earlier: +$191K+21.1%; from Q2 2025
vs start of range: +$172K+18.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Greenwood 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	$1.1M	+$125K	+12.8%
Q1 2026	$973K	−$34K	−3.4%
Q4 2025	$1.0M	−$18K	−1.8%
Q3 2025	$1.0M	+$118K	+13.0%
Q2 2025	$907K	+$112K	+14.1%
Q1 2025	$795K	+$104K	+15.1%
Q4 2024	$691K	−$235K	−25.4%
Q3 2024	$926K	+$79K	+9.3%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Monthly service fee$7
per month
Monthly service feeNo charge
per month
Escheatment$50
Inactive fee (Balance under $50.00)$10
Record research- research time$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF/Overdraft Fee per Item$30
per item
Overdraft privilage per Item$30
per item
NSF/Overdraft Fee per Item$30
per item
Transfer from savings to cover overdraft$1

ATM & Card

International ATM network fee$5
Card replacement$10

Wire Transfers

All incoming wires$15
Wire Transfer (International)$45

Check Services

Bank Check$5
Money Order$3
per item
Stop payment check$25
Temporary Checks (10 Pack)$10
per item
Temporary Checks (5 Pack)$5
per item
Advance from line of credit to: Foreign checks sent for collection$30
Copy of check or deposit$3

Digital & Electronic

Bill payment- overnight check$15
Bill payment- same day ACH$10
per month

Cash & Deposit

Deposited return check unpaid$15
per item

Account Services

3"X5"X21"Size$35
per year
Safe Deposit Box 3"X10"X21"$50
Safe Deposit Box 5"X10"X21"$75
Safe Deposit Box 5"X5"X21"$45
IRS levy$50
Subordination fee$150
Letter of reference or account verification$10

Other Fees

Record research- copy of each document$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly service fee	$7	per month	None
Monthly service fee	No charge	per month	None
Escheatment	$50	Not stated	None
Inactive fee (Balance under $50.00)	$10	Not stated	None
Record research- research time	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF/Overdraft Fee per Item	$30	per item	None
Overdraft privilage per Item	$30	per item	None
NSF/Overdraft Fee per Item	$30	per item	None
Transfer from savings to cover overdraft	$1	Not stated	None
ATM & Card
International ATM network fee	$5	Not stated	None
Card replacement	$10	Not stated	None
Wire Transfers
All incoming wires	$15	Not stated	None
Wire Transfer (International)	$45	Not stated	None
Check Services
Bank Check	$5	Not stated	None
Money Order	$3	per item	None
Stop payment check	$25	Not stated	None
Temporary Checks (10 Pack)	$10	per item	None
Temporary Checks (5 Pack)	$5	per item	None
Advance from line of credit to: Foreign checks sent for collection	$30	Not stated	None
Copy of check or deposit	$3	Not stated	None
Digital & Electronic
Bill payment- overnight check	$15	Not stated	None
Bill payment- same day ACH	$10	per month	None
Cash & Deposit
Deposited return check unpaid	$15	per item	None
Account Services
3"X5"X21"Size	$35	per year	None
Safe Deposit Box 3"X10"X21"	$50	Not stated	None
Safe Deposit Box 5"X10"X21"	$75	Not stated	None
Safe Deposit Box 5"X5"X21"	$45	Not stated	None
IRS levy	$50	Not stated	None
Subordination fee	$150	Not stated	None
Letter of reference or account verification	$10	Not stated	None
Other Fees
Record research- copy of each document	$1	per item	None

Correct a fee source

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.

Fee change alerts

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