Alden Federal Credit Union

Headquarters: Chicopee, Massachusetts
Charter: Credit Union
Assets: $185.4M
Fed district: Boston
Regulator: NCUA

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

Source: its fee schedule, read Nov 2, 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 Nov 2, 2026

How these figures are measured

Call-report figures are for Alden 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.	Alden Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Alden 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 $227K in Q2 2026, 21% below the same quarter a year earlier ($286K).
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 $3.75, the middle of its prices
Alden Federal Credit Union: $0 to $7.50
Alden Federal Credit Union: $0 to $7.50
U.S. median: no median
NSF / Returned Item
Alden Federal Credit Union: $30
Alden Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Compared at $1, the middle of its prices
Alden Federal Credit Union: $0.50 to $1
Alden Federal Credit Union: $0.50 to $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 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 fell 18% from Q3 2025 to Q2 2026, to $227K.

Fee income, Q2 2026

$227K

$276KQ3 2025

$316KQ4 2025

$248KQ1 2026

$227KQ2 2026

Against the median

Alden 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

Alden Federal Credit Union · $185M 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 19 states.

Credit unions only
$182M to $189M in assets
Headquartered in 19 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
Alden Federal Credit Union(this institution)	Chicopee, MA	$185M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Appalachian Community Federal Credit Union	Kingsport, TN	$183M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Century Federal Credit Union	Saint Louis, MO	$182M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Chemcel Federal Credit Union	Bishop, TX	$184M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cincinnati Ohio Police Federal Credit Union	Cincinnati, OH	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Democracy Federal Credit Union	Alexandria, VA	$188M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Choice Financial Federal Credit Union	Gloversville, NY	$184M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Nebraska Federal Credit Union	Omaha, NE	$184M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Heritage South Federal Credit Union	Sylacauga, AL	$184M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Horizon Utah Federal Credit Union	Farmington, UT	$185M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Infirst Federal Credit Union	Alexandria, VA	$186M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Journey Federal Credit Union	Saint Johns, MI	$187M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lincone Federal Credit Union	Lincoln, NE	$184M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lone Star Federal Credit Union	Dallas, TX	$188M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Magnolia Federal Credit Union	Jackson, MS	$186M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members' Advantage Federal Credit Union	Wisconsin Rapids, WI	$185M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Miami Firefighters Federal Credit Union	Miami, FL	$189M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Miami Postal Service Federal Credit Union	Miami, FL	$184M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mid Carolina Federal Credit Union	Lugoff, SC	$182M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Priority First Federal Credit Union	Du Bois, PA	$187M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Puerto Rico Federal Credit Union	Caparra, PR	$188M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Ripco Federal Credit Union	Rhinelander, WI	$189M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Safe Harbor Federal Credit Union	Ludington, MI	$184M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
South Metro Federal Credit Union	Prior Lake, MN	$185M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Southwest Louisiana Federal Credit Union	Lake Charles, LA	$183M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Xcel Federal Credit Union	Bloomfield, NJ	$186M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 11 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $2.20 (37%) below the median of similar-sized credit unions.

Compared at $3.75, the middle of its two prices, against a peer median of $5.95 among 11 publishing peers.

Its two checking prices are $0 and $7.50.

$3.75 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 Nov 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

Alden Federal Credit Union: 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 Nov 3, 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 Alden 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: $227K
vs prior quarter: −$21K−8.5%; from Q1 2026
vs a year earlier: −$59K−20.6%; from Q2 2025
vs start of range: +$14K+6.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Alden 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	$227K	−$21K	−8.5%
Q1 2026	$248K	−$68K	−21.5%
Q4 2025	$316K	+$40K	+14.5%
Q3 2025	$276K	−$10K	−3.5%
Q2 2025	$286K	+$17K	+6.3%
Q1 2025	$269K	+$11K	+4.3%
Q4 2024	$258K	+$45K	+21.1%
Q3 2024	$213K	−$28K	−11.6%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Monthly ServiceNo charge
per month
No Boundaries Checking Account Monthly Maintenance Fee$7.50
per month
Early Account Closing (90) Days$25
Inactive Account An account is considered inactive if it has been inactive, with no member-generated activity for one$25
Not compared: Annual charge, not monthly
per year
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement (mailed)$2
per month
Returned Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Insufficient Funds Fee (NSF) (Check, ATM/POS or EFT)$30
per item
Sustained Overdraft Fee (After 5 days)$5
per day
Overdraft Protection Transfer$5
per item

ATM & Card

Foreign ATM Inquiry Fee$1
per item
Foreign ATM Inquiry Fee (Point of Sale Terminal)$0.50
per item
Foreign ATM Withdrawal Fee$1
per item
ATM / Debit Card Replacement Fee$15
per item
Lost Member Ownership Certificate/Card$10
per item

Wire Transfers

Wire Transfers: Domestic Outgoing$20
per item
Wire Transfers: Domestic Incoming$10
per item
Wire Transfers: International Outgoing (audience not stated, treated as personal)$55
per item
International Incoming$20
per item

Check Services

Official Check$5
per item
Money Order$3
per item
ACH Stop Payment$25
per item
Stop Payment Order$25
per item
Over the Counter Checks$1.25
per item
Canadian Item Processing Fee$5
per item
Check Copy$5
per item

Cash & Deposit

Coin Machine - Member8%
Coin Machine - Non-Member10%
Returned Deposit Item Fee$6.84
per item

Account Services

Notary - MemberNo charge
Notary - Non-Member$5
Box Drilling$250
Not compared: Box drilling or key fee
Key Replacement$25
Not compared: Box drilling or key fee
per item
Legal Processing - Child Support Levy Fee$35
per item
Legal Processing - Tax Levy Fee$35
per item
Subordination Request Fee$250

Lending Fees

Late Charge Assessment$10
Not compared: Monthly charge, not per item
per month

Retirement & IRA

IRA Transfer: Incoming (audience not stated, treated as personal)No charge
IRA Transfer: Outgoing$25

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service	No charge	per month	None
No Boundaries Checking Account Monthly Maintenance Fee	$7.50	per month	None
Early Account Closing (90) Days	$25	Not stated	None
Inactive Account An account is considered inactive if it has been inactive, with no member-generated activity for one	$25Not compared: Annual charge, not monthly	per year	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement (mailed)	$2	per month	None
Returned Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Insufficient Funds Fee (NSF) (Check, ATM/POS or EFT)	$30	per item	None
Sustained Overdraft Fee (After 5 days)	$5	per day	None
Overdraft Protection Transfer	$5	per item	None
ATM & Card
Foreign ATM Inquiry Fee	$1	per item	None
Foreign ATM Inquiry Fee (Point of Sale Terminal)	$0.50	per item	None
Foreign ATM Withdrawal Fee	$1	per item	None
ATM / Debit Card Replacement Fee	$15	per item	None
Lost Member Ownership Certificate/Card	$10	per item	None
Wire Transfers
Wire Transfers: Domestic Outgoing	$20	per item	None
Wire Transfers: Domestic Incoming	$10	per item	None
Wire Transfers: International Outgoing (audience not stated, treated as personal)	$55	per item	None
International Incoming	$20	per item	None
Check Services
Official Check	$5	per item	None
Money Order	$3	per item	None
ACH Stop Payment	$25	per item	None
Stop Payment Order	$25	per item	None
Over the Counter Checks	$1.25	per item	None
Canadian Item Processing Fee	$5	per item	None
Check Copy	$5	per item	None
Cash & Deposit
Coin Machine - Member	8%	Not stated	None
Coin Machine - Non-Member	10%	Not stated	None
Returned Deposit Item Fee	$6.84	per item	None
Account Services
Notary - Member	No charge	Not stated	None
Notary - Non-Member	$5	Not stated	None
Box Drilling	$250Not compared: Box drilling or key fee	Not stated	None
Key Replacement	$25Not compared: Box drilling or key fee	per item	None
Legal Processing - Child Support Levy Fee	$35	per item	None
Legal Processing - Tax Levy Fee	$35	per item	None
Subordination Request Fee	$250	Not stated	None
Lending Fees
Late Charge Assessment	$10Not compared: Monthly charge, not per item	per month	None
Retirement & IRA
IRA Transfer: Incoming (audience not stated, treated as personal)	No charge	Not stated	None
IRA Transfer: Outgoing	$25	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

Nov 2, 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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