Four fees from its schedule are published so far: monthly maintenance $5, overdraft $29.50, NSF / returned item $29.50 and 1 more.
Source: its fee schedule, read Oct 31, 2026.
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
62nd percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 31, 2026
Call-report figures are for Westerly Community 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 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. | Westerly Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.3% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (62nd 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 $668K in Q2 2026, 7.4% above the same quarter a year earlier ($622K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
0 of 3 compared published fees sit above the Rhode Island 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 Rhode Island medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
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.
Call reports for Westerly Community 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 | $668K | +$11K | +1.7% |
| Q1 2026 | $657K | −$23K | −3.4% |
| Q4 2025 | $680K | −$1K | −0.1% |
| Q3 2025 | $681K | +$59K | +9.5% |
| Q2 2025 | $622K | +$34K | +5.8% |
| Q1 2025 | $588K | −$169K | −22.3% |
| Q4 2024 | $757K | +$25K | +3.4% |
| Q3 2024 | $732K | +$29K | +4.1% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Westerly Community 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 Westerly Community Federal Credit Union by share.
Amounts from Westerly Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Privilege | $29.50Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Privilege Service Charge | $29.50Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Insufficient Funds Fee | $29.50Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
Oct 31, 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 Westerly Community Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state (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
| Westerly, RI | 2 |
| Coventry, RI | 1 |
| Wakefield, RI | 1 |
| Wyoming, RI | 1 |
Largest competitors nearby
Local market: Washington county, RI, around its headquarters.
| 9 in its local market | Deposit share |
|---|---|
| The Washington Trust Company, of Westerly | 58.3% |
| Citizens Bank, National Association | 16.8% |
| Bank of America, National Association | 10.4% |
| Beacon Bank and Trust | 5.3% |
| BankNewport | 3.3% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows