Compared with Massachusetts
8 of 22
compared fees are above the median.
4 below, 10 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
18th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Massachusetts median
of 22 compared; 4 below, 10 about the same
See the feesFee schedule read Oct 28, 2026
Call-report figures are for Homefield 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. | Homefield Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 28, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 2.8% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (18th 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 $57K in Q2 2026, 14% below the same quarter a year earlier ($66K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 22 compared published fees sit above the Massachusetts median; 4 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
Compared at $17.50, the middle of its prices
Overdraft (OD)
Compared at $30, its standard fee, the highest of its prices
Non-Network ATM
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 5.0% from Q3 2025 to Q2 2026, to $57K. Its share of revenue, 2.8%, is below the 7.2% median for credit unions with under $300M in assets.
$57K
Homefield 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. *Overdraft: Listed at $5 to $30; we compare the highest.
Homefield Federal Credit Union · $170M 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 |
|---|---|---|---|---|---|---|---|
| Homefield Federal Credit Union(this institution) | North Grafton, MA | $170M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 1St Gateway Federal Credit Union | Camanche, IA | $171M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Artesia Federal Credit Union | Artesia, NM | $173M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| 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 |
| Excel Federal Credit Union | Norcross, GA | $174M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Greater Woodlawn Federal Credit Union | Blasdell, NY | $168M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| H.P.C. Federal Credit Union | Alpena, MI | $172M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Harborlight Federal Credit Union | Whitehall, MI | $170M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Heartland Federal Credit Union | Inver Grove Heights, MN | $172M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heritage Grove Federal Credit Union | Salem, OR | $167M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hopewell Federal Credit Union | Heath, OH | $168M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Latah Federal Credit Union | Moscow, ID | $170M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mission City Federal Credit Union | Santa Clara, CA | $172M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nuvista Federal Credit Union | Montrose, CO | $172M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pioneer Valley Federal Credit Union | Springfield, MA | $167M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Princeton Federal Credit Union | Princeton, NJ | $169M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Red River Federal Credit Union | Altus, OK | $168M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Riegel Federal Credit Union | Milford, NJ | $168M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Santa Cruz Community Federal Credit Union | Santa Cruz, CA | $172M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sentry Federal Credit Union | Stevens Point, WI | $173M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Space Age Federal Credit Union | Aurora, CO | $168M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | 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 |
| Utah Heritage Federal Credit Union | Moroni, UT | $167M | 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 |
| 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(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5.75 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 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Homefield Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
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 Homefield 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 | $57K | −$2K | −3.4% |
| Q1 2026 | $59K | −$6K | −9.2% |
| Q4 2025 | $65K | +$5K | +8.3% |
| Q3 2025 | $60K | −$6K | −9.1% |
| Q2 2025 | $66K | +$2K | +3.1% |
| Q1 2025 | $64K | −$6K | −8.6% |
| Q4 2024 | $70K | −$2K | −2.8% |
| Q3 2024 | $72K | +$8K | +12.5% |
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, Homefield 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 Homefield Federal Credit Union by share.
Amounts from Homefield Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per item
per item
per item
per year
per year
per year
per year
per year
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormancy Fee (Monthly After 6 Months) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Quick Research Fee (Requests Taking Less than 1/2 Hour – Existing Members) | $10Inside the U.S. middle 50% ($6.44 to $25 nationally) | Not stated | None |
| Research Fee, Existing Member (Per Hour with 1 Hour Minimum) | $40Not compared: Charged per hour; comparison unavailable | per hour | None |
| Research Fee, Non-Member (Per Hour with 1 Hour Minimum) | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive Transaction Fee (Money Market Checking) | $10Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay Item Paid / OD Charge | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Courtesy Pay Item Paid / OD Charge 18/65 Account | $5Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Charge | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF Charge 18/65 Account | $5Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Transfer Fee (Overdraft Sweep from Share) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM Withdrawal Fee | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement Card Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire Fee | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Domestic Wire Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Incoming Foreign Wire Fee | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Check Disbursed Fee (Official Check) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Check Disbursed Fee (Money Order) | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Order/Official Check Stop Payment Order Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Starter Checks (4/Sheet) | $5Above the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing, non-member (per item) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Copy (Per Item) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Coin Counting (Non-Members) | 10% | Not stated | None |
| Coin Counting (Non-Members) (audience not stated, treated as personal) | 10% | Not stated | None |
| Returned Deposit Item | $7.14Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| 10×10 Annual Rent | $170Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3×10 Annual Rent | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3×5 Annual Rent | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5×10 Annual Rent | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5×5 Annual Rent | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Drilling Fee | $100Not compared: Box drilling or key fee | Not stated | None |
| Lost Key Fee | $25Not compared: Box drilling or key fee | Not stated | None |
| Monthly Late Fee | $5Not compared: Monthly charge, not annual | per month | None |
| Levy Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Outgoing Transfer Fee | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 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
Oct 28, 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 Homefield 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
| Milford, MA | 1 |
| North Grafton, 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.