St. Mary'S Federal Credit Union

Headquarters: Marlborough, Massachusetts
Charter: Credit Union
Assets: $1.0B
Fed district: Boston
Regulator: NCUA

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

Source: its fee schedule, read Oct 16, 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 Oct 16, 2026

How these figures are measured

Call-report figures are for St. Mary'S 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.	St. Mary'S Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 16, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: St. Mary'S 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 $514K in Q2 2026, 20% above the same quarter a year earlier ($427K).
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.

Overdraft (OD)
Compared at $27, its standard fee, the highest of its prices
St. Mary'S Federal Credit Union: $25 to $27
St. Mary'S Federal Credit Union: $25 to $27
U.S. median: no median
NSF / Returned Item
St. Mary'S Federal Credit Union: $27
St. Mary'S Federal Credit Union: $27
U.S. median: no median
Non-Network ATM
St. Mary'S Federal Credit Union: $1.50
St. Mary'S Federal Credit Union: $1.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 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 was about level from Q3 2025 to Q2 2026, at $514K.

Fee income, Q2 2026

$514K

$511KQ3 2025

$506KQ4 2025

$522KQ1 2026

$514KQ2 2026

Against the median

St. Mary'S 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

St. Mary'S Federal Credit Union · $1B 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
$974M to $1.1B 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
St. Mary'S Federal Credit Union(this institution)	Marlborough, MA	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
4Front Federal Credit Union	Traverse City, MI	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	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
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
Brazos Valley Schools Federal Credit Union	Katy, TX	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Brightstar Federal Credit Union	Fort Lauderdale, FL	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Connex Federal Credit Union	North Haven, CT	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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
Golden Plains Federal Credit Union	Garden City, KS	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	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
Heritage Federal Credit Union	Newburgh, IN	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Houston Police Federal Credit Union	Houston, TX	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kellogg Community Federal Credit Union	Battle Creek, MI	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Latino Community Federal Credit Union	Durham, NC	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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
Mccoy Federal Credit Union	Orlando, FL	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Merck Sharp & Dohme Federal Credit Union	Chalfont, PA	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Mirastar Federal Credit Union	San Jose, CA	$1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
People First Federal Credit Union	Allentown, PA	$1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Point Breeze Federal Credit Union	Hunt Valley, MD	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Power Financial Federal Credit Union	Pembroke Pines, FL	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Tucson Federal Credit Union	Tucson, AZ	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
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
Water And Power Community Federal Credit Union	Los Angeles, CA	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Westby Co-Op Federal Credit Union	Westby, WI	$1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

St. Mary'S Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 10 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 5, 2026.

Monthly maintenance fee in dollars, one mark per institution

St. Mary'S Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

St. Mary'S Federal Credit…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 5, 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 St. Mary'S 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: $514K
vs prior quarter: −$8K−1.5%; from Q1 2026
vs a year earlier: +$87K+20.4%; from Q2 2025
vs start of range: +$63K+14.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: St. Mary'S 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	$514K	−$8K	−1.5%
Q1 2026	$522K	+$16K	+3.2%
Q4 2025	$506K	−$5K	−1.0%
Q3 2025	$511K	+$84K	+19.7%
Q2 2025	$427K	−$30K	−6.6%
Q1 2025	$457K	+$4K	+0.9%
Q4 2024	$453K	+$2K	+0.4%
Q3 2024	$451K	+$15K	+3.4%

Fee-income share against its size cohort

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

Published fee schedule

Amounts from St. Mary'S Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Inactivity Fee$3
Account Reconciliation Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Return Mail Fee$5

Overdraft & NSF

Non-Sufficient Funds Fee – Paid .. per presentment of item$25
per item
Overdraft Fee or a Re (audience not stated, treated as personal)$27
per item
Overdraft Privilege$25
per item
Non-Sufficient Funds Fee - Returned per presentment of item$27
per item
Overdraft Transfer Fee$3
per item
Overdraft Transfer from Another Deposit Account 1$3
per item

ATM & Card

Non-SMCU ATM Transaction Fee$1.50
per item
Replacement Card Fee$10
Expedited Debit Card Fee$75

Wire Transfers

Domestic Wire Fee$25
International Wire Fee$50

Check Services

Official Check Fee$3
Money Order Fee$1
Stop Payment Fee (ACH or Check)$25
per item
Check Copy Fee per item$4
per item

Digital & Electronic

Same Day Bill Payment Fee$10

Cash & Deposit

Returned Deposited Item Fee . per item$7.14
per item

Account Services

Levy Fee (Per Levy)$30
per item

Retirement & IRA

IRA Trustee Transfer Fee$30

Other Fees

Statement Copy Fee ..$4

Fee	Amount	Basis	Note
Account Maintenance
Account Inactivity Fee	$3	Not stated	None
Account Reconciliation Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Return Mail Fee	$5	Not stated	None
Overdraft & NSF
Non-Sufficient Funds Fee – Paid .. per presentment of item	$25	per item	None
Overdraft Fee or a Re (audience not stated, treated as personal)	$27	per item	None
Overdraft Privilege	$25	per item	None
Non-Sufficient Funds Fee - Returned per presentment of item	$27	per item	None
Overdraft Transfer Fee	$3	per item	None
Overdraft Transfer from Another Deposit Account 1	$3	per item	None
ATM & Card
Non-SMCU ATM Transaction Fee	$1.50	per item	None
Replacement Card Fee	$10	Not stated	None
Expedited Debit Card Fee	$75	Not stated	None
Wire Transfers
Domestic Wire Fee	$25	Not stated	None
International Wire Fee	$50	Not stated	None
Check Services
Official Check Fee	$3	Not stated	None
Money Order Fee	$1	Not stated	None
Stop Payment Fee (ACH or Check)	$25	per item	None
Check Copy Fee per item	$4	per item	None
Digital & Electronic
Same Day Bill Payment Fee	$10	Not stated	None
Cash & Deposit
Returned Deposited Item Fee . per item	$7.14	per item	None
Account Services
Levy Fee (Per Levy)	$30	per item	None
Retirement & IRA
IRA Trustee Transfer Fee	$30	Not stated	None
Other Fees
Statement Copy Fee ..	$4	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

Correct a fee source

Oct 16, 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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