Compared with Massachusetts
1 of 11
compared fees are above the median.
7 below, 3 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
36th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Massachusetts median
of 11 compared; 7 below, 3 about the same
See the feesFee schedule read Oct 21, 2026
Call-report figures are for Worcester Fire Dept. 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. | Worcester Fire Dept. Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 21, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.4% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (36th 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 $23K in Q2 2026, 9.5% above the same quarter a year earlier ($21K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
1 of 11 compared published fees sit above the Massachusetts median; 7 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.
NSF / Returned Item
Wire Transfer (Domestic Out)
Stop Payment
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 was about level from Q3 2025 to Q2 2026, at $23K. Its share of revenue, 5.4%, is below the 7.2% median for credit unions with under $300M in assets.
$23K
Worcester Fire Dept. 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.
Worcester Fire Dept. Federal Credit Union · $47M 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 |
|---|---|---|---|---|---|---|---|
| Worcester Fire Dept. Federal Credit Union(this institution) | Worcester, MA | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Afl Cio Employees Federal Credit Union | Washington, DC | $48M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bloomington Municipal Federal Credit Union | Bloomington, IL | $46M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capitol View Federal Credit Union | Des Moines, IA | $46M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Children'S Medical Center Federal Credit Union | Cincinnati, OH | $47M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dow Great Western Federal Credit Union | Antioch, CA | $48M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Element Federal Credit Union | Charleston, WV | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Employees Federal Credit Union | Tulsa, OK | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Enfield Community Federal Credit Union | Enfield, CT | $46M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| H. E. Telephone Federal Credit Union | Rochelle Park, NJ | $46M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hampton Roads Educ Credit Union Inc | Hampton, VA | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Huntingtonized Federal Credit Union | Huntington, WV | $47M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Kansas City Federal Credit Union | Kansas City, MO | $46M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Lufkin Federal Credit Union | Lufkin, TX | $48M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Marathon County Employees Federal Credit Union | Wausau, WI | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mountain Star Federal Credit Union | El Paso, TX | $46M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Rochester & Monroe Co Emp Federal Credit Union | Rochester, NY | $46M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Skyline Financial Federal Credit Union | Waterbury, CT | $48M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Southeastern Arizona Federal Credit Union | Douglas, AZ | $48M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southern Middlesex Co Tchrs Federal Credit Union | East Brunswick, NJ | $48M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Tammany Federal Credit Union | Slidell, LA | $47M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Starr County Teachers Federal Credit Union | Rio Grande City, TX | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Stewart'S Federal Credit Union | Saratoga Springs, NY | $47M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Suny Fredonia Federal Credit Union | Fredonia, NY | $48M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Syracuse Cooperative Federal Credit Union | Syracuse, NY | $47M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Vigo County Federal Credit Union | Terre Haute, IN | $46M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(domestic wire)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $15, against a peer median of $20 among 17 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.
Domestic wire fee in dollars, one mark per institution
Against this institution's domestic wire fee
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 Worcester Fire Dept. 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 | $23K | −$3K | −11.5% |
| Q1 2026 | $26K | −$5K | −16.1% |
| Q4 2025 | $31K | +$8K | +34.8% |
| Q3 2025 | $23K | +$2K | +9.5% |
| Q2 2025 | $21K | −$3K | −12.5% |
| Q1 2025 | $24K | +$3K | +14.3% |
| Q4 2024 | $21K | −$1K | −4.5% |
| Q3 2024 | $22K | $0 | 0.0% |
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, Worcester Fire Dept. 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 Worcester Fire Dept. Federal Credit Union by share.
Amounts from Worcester Fire Dept. Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Research/Reconciliation/Copies | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| NSF Fee (Returned Check) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer Fee | $4Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Withdrawals (excess of 5 per month) | $1Not compared: Monthly charge, not per item | per month | None |
| Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Wire Transfer | $30Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Stop Payment Request | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Digital & Electronic | |||
| Online Bill Payment | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Check Returned | $7.23Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box 10″x10″ | $110Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3″x10″ | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5″x10″ | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 21, 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 Worcester Fire Dept. 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
| Worcester, 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.