Compared with Massachusetts
6 of 19
compared fees are above the median.
7 below, 6 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
44th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Massachusetts median
of 19 compared; 7 below, 6 about the same
See the feesFee schedule read Oct 5, 2026
Call-report figures are for Naveo 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. | Naveo Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 5, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.3% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (44th 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 $137K in Q2 2026, 17% below the same quarter a year earlier ($165K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 19 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.
OD Protection Transfer
Non-Network ATM
Wire Transfer (Domestic Out)
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 7.4% from Q3 2025 to Q2 2026, to $137K. Its share of revenue, 6.3%, is below the 7.2% median for credit unions with under $300M in assets.
$137K
Naveo 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.
Naveo Federal Credit Union · $176M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Naveo Federal Credit Union(this institution) | Somerville, MA | $176M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Achieve Financial Federal Credit Union | Berlin, CT | $176M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Arize Federal Credit Union | State College, PA | $176M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Aspen Federal Credit Union | Rapid City, SD | $173M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Associated Healthcare Federal Credit Union | Woodbury, MN | $176M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Caro Federal Credit Union | Columbia, SC | $175M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Code Federal Credit Union | Dayton, OH | $176M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Compass Community Federal Credit Union | Eureka, CA | $179M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Cornerstone Federal Credit Union | Freeport, IL | $177M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Diamond Valley Federal Credit Union | Evansville, IN | $179M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| E-Central Federal Credit Union | Pasadena, CA | $174M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ellafi Federal Credit Union | Middletown, CT | $178M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Excel Federal Credit Union | Norcross, GA | $174M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Federal Credit Union | Hiawatha, IA | $175M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Frick Financial Federal Credit Union | Uniontown, PA | $175M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Health Advantage Federal Credit Union | Saginaw, MI | $179M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mountain Laurel Federal Credit Union | Saint Marys, PA | $174M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| N.E.W. Federal Credit Union | Oconto Falls, WI | $178M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northwoods Federal Credit Union | Cloquet, MN | $175M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Police Federal Credit Union | Upper Marlboro, MD | $176M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Trailnorth Federal Credit Union | Ticonderoga, NY | $180M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ulster Federal Credit Union | Kingston, NY | $179M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ussco Johnstown Federal Credit Union | Johnstown, PA | $174M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Valley Isle Community Federal Credit Union | Kahului, HI | $174M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Vida Federal Credit Union | Ontario, CA | $175M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wolverine State Federal Credit Union | Alpena, MI | $173M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(out-of-network atm)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $0, against a peer median of $1.75 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 1, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Against this institution's out-of-network atm fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Naveo 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 | $137K | +$2K | +1.5% |
| Q1 2026 | $135K | −$8K | −5.6% |
| Q4 2025 | $143K | −$5K | −3.4% |
| Q3 2025 | $148K | −$17K | −10.3% |
| Q2 2025 | $165K | +$19K | +13.0% |
| Q1 2025 | $146K | −$23K | −13.6% |
| Q4 2024 | $169K | −$1K | −0.6% |
| Q3 2024 | $170K | −$3K | −1.7% |
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, Naveo 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 Naveo Federal Credit Union by share.
Amounts from Naveo Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Activity | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Protection Transfer Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Non-Naveo ATM | No chargeBelow the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM/Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| ATM/Debit Card Rush Order Fee | $40Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfers: Outgoing Domestic | $35Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfers: Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire Transfers: Outgoing International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Official Check Fee | $7.50Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Official Check Fee (Seniors 65+) | $2.50Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order (Seniors 65+) | No chargeBelow the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Order Fee | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Bill Pay Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks Fee | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Foreign Check Cashing | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Non-Member Check Cashing | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Copy of Processed Check Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Returned Deposited Item | No chargeBelow the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Public (Members) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Public (Non-Members) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Levy/Garnishment Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Other Fees | |||
| Copy of Statement Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 5, 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 Naveo Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Cambridge, MA | 1 |
| Somerville, MA | 1 |
Largest competitors nearby
Local market: Middlesex county, MA, around its headquarters.
| 72 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 19.4% |
| Citizens Bank, National Association | 10.6% |
| Cambridge Savings Bank | 6.4% |
| TD Bank, National Association | 6.3% |
| Eastern Bank | 5.9% |
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.