Compared with Massachusetts
12 of 22
compared fees are above the median.
3 below, 7 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
54th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Massachusetts median
of 22 compared; 3 below, 7 about the same
See the feesFee schedule read Oct 28, 2026
Call-report figures are for Athol 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. | Athol Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 28, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.8% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (54th 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 $119K in Q2 2026, 32% below the same quarter a year earlier ($175K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
12 of 22 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
Fresh Start Checking $7.95 to $9.95
Compared at $7.95, the middle of its prices
Overdraft (OD)
NSF / Returned Item
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 11% from Q3 2025 to Q2 2026, to $119K. Its share of revenue, 7.8%, is above the 7.2% median for credit unions with under $300M in assets.
$119K
Athol 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 $7.95 to $9.95; we compare the midpoint.
Athol Federal Credit Union · $99M 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Athol Federal Credit Union(this institution) | Athol, MA | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Afena Federal Credit Union | Marion, IN | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Common Trust Federal Credit Union | Woburn, MA | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community First Federal Credit Union | Ashtabula, OH | $100M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Concho Educators Federal Credit Union | San Angelo, TX | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Connects Federal Credit Union | Richmond, VA | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gardiner Federal Credit Union | Gardiner, ME | $101M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Healthcare First Credit Union | Johnstown, PA | $101M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Heritage USA Federal Credit Union | Midland, TX | $99M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Journey Federal Credit Union | Des Moines, IA | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Community Federal Credit Union | Muscatine, IA | $99M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Midland Federal Credit Union | Urbandale, IA | $101M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Point West Federal Credit Union | Portland, OR | $98M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Railroad Federal Credit Union | Irondale, AL | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ridgedale Federal Credit Union | East Hanover, NJ | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sno Falls Federal Credit Union | North Bend, WA | $99M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Pius X Church Federal Credit Union | Rochester, NY | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tampa Postal Federal Credit Union | Tampa, FL | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tennessee Members 1St Federal Credit Union | Oak Ridge, TN | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Tewksbury Federal Credit Union | Tewksbury, MA | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Texas Bridge Federal Credit Union | Corpus Christi, TX | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Dps Federal Credit Union | Austin, TX | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Unity Catholic Federal Credit Union | Parma, OH | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Universal Federal Credit Union | Huntington, WV | $100M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| University Of Toledo Federal Credit Union | Toledo, OH | $100M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Va Desert Pacific Federal Credit Union | Long Beach, CA | $99M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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.
Peer pricing snapshot
Compared at $7.95, the middle of its three prices, against a peer median of $4.95 among 9 publishing peers.
Its three checking prices are $7.95, $7.95 and $9.95.
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 22, 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 Oct 22, 2026. Total assets from FDIC and NCUA records.
Call reports for Athol 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 | $119K | +$20K | +20.2% |
| Q1 2026 | $99K | −$38K | −27.7% |
| Q4 2025 | $137K | +$3K | +2.2% |
| Q3 2025 | $134K | −$41K | −23.4% |
| Q2 2025 | $175K | +$82K | +88.2% |
| Q1 2025 | $93K | −$24K | −20.5% |
| Q4 2024 | $117K | +$9K | +8.3% |
| Q3 2024 | $108K | +$1K | +0.9% |
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, Athol 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 Athol Federal Credit Union by share.
Amounts from Athol Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per hour · Account Reconciliation/Research | $30 per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance Fee | $7.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge with Direct Deposit | $7.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge without Direct Deposit | $9.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| New Account Closing (Within 6 Months) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormancy Charge after 2 yrs | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation/Research | $30Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation/Research | $30 per hour |
| Returned Mail | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft/ Insufficient Funds (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft/ Insufficient Funds (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Consecutive Day Overdraft (after 10th business day) (audience not stated, treated as personal) | $30Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
ATM & Card | |||
| Lost ATM/Debit Card Replacement (audience not stated, treated as personal) | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Order (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| WIRE TRANSFER FEES: Domestic Outgoing (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| WIRE TRANSFER FEES: Domestic Incoming (audience not stated, treated as personal) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Treasurers Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Bill Pay Stop Payment (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Check | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Copy of Check | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay ACH Rejection (audience not stated, treated as personal) | $30Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| RETURNED DEPOSIT FEES: Personal Account | $7.14Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary: (members) | $1.25Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Levy | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee (Outgoing) | $30Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement | $5Inside the U.S. middle 50% ($2 to $5 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
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour · Account Reconciliation/Research | $30 per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge with Direct Deposit | $7.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge without Direct Deposit | $9.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| New Account Closing (Within 6 Months) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormancy Charge after 2 yrs | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation/Research | $30Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation/Research | $30 per hour |
| Returned Mail | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Check Services | |||
| Treasurers Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Counter Check | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Copy of Check | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| RETURNED DEPOSIT FEES: Business Account | $7.14 | Not stated | None |
Account Services | |||
| Notary | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary: (members) | $1.25Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Levy | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee (Outgoing) | $30Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 28, 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 Athol Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Athol, MA | 1 |
Largest competitors nearby
Local market: Worcester county, MA, around its headquarters.
| 40 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 13.5% |
| UniBank for Savings | 11.3% |
| TD Bank, National Association | 9.9% |
| Cornerstone Bank | 8.6% |
| Santander Bank, N.A. | 8% |
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.