Compared with Massachusetts
6 of 23
compared fees are above the median.
8 below, 9 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
70th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Massachusetts median
of 23 compared; 8 below, 9 about the same
See the feesFee schedule read Nov 2, 2026
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) 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. | 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
Fee income was 11% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (70th 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 $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.
6 of 23 compared published fees sit above the Massachusetts median; 8 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
Compared at $3.75, the middle of its prices
NSF / Returned Item
Non-Network ATM
Compared at $1, the middle of its prices
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 18% from Q3 2025 to Q2 2026, to $227K. Its share of revenue, 11%, is above the 7.2% median for credit unions with under $300M in assets.
$227K
Alden 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. *Non-network ATM: Listed at $0.50 to $1; we compare the midpoint. Monthly maintenance: Listed at $0 to $7.50; we compare the midpoint.
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.
| 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 | Overdraft not published |
| 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.
Peer pricing snapshot
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
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.
Call reports for Alden 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 | $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% |
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, Alden 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 Alden Federal Credit Union by share.
Amounts from Alden Federal Credit Union’s own schedules, with a source for each figure.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| No Boundaries Checking Account Monthly Maintenance Fee | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closing (90) Days | $25Inside the U.S. middle 50% ($10 to $25 nationally) | 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) | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | 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) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Sustained Overdraft Fee (After 5 days) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per day | None |
| Overdraft Protection Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Foreign ATM Inquiry Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Foreign ATM Inquiry Fee (Point of Sale Terminal) | $0.50Below the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Foreign ATM Withdrawal Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM / Debit Card Replacement Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Lost Member Ownership Certificate/Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfers: Domestic Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfers: Domestic Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire Transfers: International Outgoing (audience not stated, treated as personal) | $55Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| International Incoming | $20Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Official Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| ACH Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Order | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Over the Counter Checks | $1.25Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Canadian Item Processing Fee | $5Below the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Coin Machine - Member | 8% | Not stated | None |
| Coin Machine - Non-Member | 10% | Not stated | None |
| Returned Deposit Item Fee | $6.84Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary - Member | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary - Non-Member | $5Inside the U.S. middle 50% ($0 to $5 nationally) | 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 | $35Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Legal Processing - Tax Levy Fee | $35Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Subordination Request Fee | $250Above the U.S. middle 50% ($50 to $150 nationally) | 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 chargeBelow the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
| IRA Transfer: Outgoing | $25Inside the U.S. middle 50% ($25 to $35 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
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.
Where Alden Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 3 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Chicopee, MA | 2 |
| Avon, CT | 1 |
| Belchertown, MA | 1 |
| Royersford, PA | 1 |
Largest competitors nearby
Local market: Hampden county, MA, around its headquarters.
| 27 in its local market | Deposit share |
|---|---|
| PeoplesBank | 17.1% |
| TD Bank, National Association | 15.9% |
| Westfield Bank | 13.9% |
| Bank of America, National Association | 10.9% |
| Manufacturers and Traders Trust Company | 7.1% |
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.