Nutmeg State Financial Federal Credit Union

Headquarters: Rocky Hill, Connecticut
Charter: Credit Union
Assets: $916.5M
Fed district: Boston
Regulator: NCUA

Explore Hamilton View published fees

Compared with Connecticut

10 of 19

compared fees are above the median.

0 below, 9 about the same.

About the same: within 1% of the median.

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 Connecticut median
of 19 compared; 0 below, 9 about the same
See the fees
Fee schedule read Oct 6, 2026

How these figures are measured

Call-report figures are for Nutmeg State Financial 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 Connecticut median	Published fees above the Connecticut median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Nutmeg State Financial Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 6, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Nutmeg State Financial 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 $1.2M in Q2 2026, 25% above the same quarter a year earlier ($949K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
10 of 19 compared published fees sit above the Connecticut median; 0 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.

Fees against the market

Comparison with Connecticut medians for fees published by banks and credit unions.

Overdraft (OD)
Nutmeg State Financial Federal Credit Union: $35
Nutmeg State Financial Federal Credit Union: $35
Connecticut median: $32.5034 publishBoston district median: $30170 publishU.S. median: $302,603 publish
Wire Transfer (Domestic Out)
Nutmeg State Financial Federal Credit Union: $25
Nutmeg State Financial Federal Credit Union: $25
Connecticut median: $2543 publishBoston district median: $25202 publishU.S. median: $252,629 publish
Stop Payment
Nutmeg State Financial Federal Credit Union: $30
Nutmeg State Financial Federal Credit Union: $30
Connecticut median: $2553 publishBoston district median: $25240 publishU.S. median: $27.503,348 publish

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Connecticut, 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).
Connecticut: Banks and credit unions headquartered in Connecticut 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 51% from Q3 2025 to Q2 2026, to $1.2M.

Fee income, Q2 2026

$1.2M

$2.4MQ3 2025

$1.0MQ4 2025

$1.1MQ1 2026

$1.2MQ2 2026

Against the median (CT for fees)

Overdraft$35 / $32.50

Nutmeg State Financial 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.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.

Do waivers and balance requirements change what most customers actually pay?
Which fees make up most of fee income, and has that mix changed?

Among its peers

Nutmeg State Financial Federal Credit Union · $916M 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 17 states.

Credit unions only
$881M to $952M in assets
Headquartered in 17 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
Nutmeg State Financial Federal Credit Union(this institution)	Rocky Hill, CT	$916M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Abnb Federal Credit Union	Chesapeake, VA	$914M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Campus Federal Credit Union	Baton Rouge, LA	$936M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cedar Point Federal Credit Union	Lexington Park, MD	$906M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Certified Federal Credit Union	El Monte, CA	$925M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Community Choice Federal Credit Union	Johnston, IA	$923M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Community First Federal Credit Union	Santa Rosa, CA	$921M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Resource Federal Credit Union	Baytown, TX	$930M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Day Air Federal Credit Union	Kettering, OH	$909M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fortera Federal Credit Union	Clarksville, TN	$947M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gather Federal Credit Union	Lihue, HI	$934M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Granite Federal Credit Union	Salt Lake City, UT	$918M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hoosier Hills Federal Credit Union	Bedford, IN	$938M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hope Federal Credit Union	Jackson, MS	$881M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Houston Federal Credit Union	Sugar Land, TX	$952M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Members First Federal Credit Union	Midland, MI	$905M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Merced School Employees Federal Credit Union	Merced, CA	$899M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
N C P D Federal Credit Union	Plainview, NY	$909M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Numark Federal Credit Union	Joliet, IL	$932M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Oceanair Federal Credit Union	Oxnard, CA	$882M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pelican Federal Credit Union	Baton Rouge, LA	$885M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Qualstar Federal Credit Union	Bothell, WA	$939M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sun Community Federal Credit Union	El Centro, CA	$896M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Sun East Federal Credit Union	Aston, PA	$909M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Texas Bay Federal Credit Union	Houston, TX	$905M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Tlc Community Federal Credit Union	Adrian, MI	$950M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Nutmeg State Financial Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $7.50 among 13 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 Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Nutmeg State Financial Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Nutmeg State Financial Fe…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 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 Nutmeg State Financial Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 46 quarters on file

Latest, Q2 2026: $1.2M
vs prior quarter: +$79K+7.1%; from Q1 2026
vs a year earlier: +$235K+24.8%; from Q2 2025
vs start of range: +$226K+23.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Nutmeg State Financial 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	$1.2M	+$79K	+7.1%
Q1 2026	$1.1M	+$63K	+6.0%
Q4 2025	$1.0M	−$1.4M	−56.9%
Q3 2025	$2.4M	+$1.5M	+154.9%
Q2 2025	$949K	+$4K	+0.4%
Q1 2025	$945K	−$4K	−0.4%
Q4 2024	$949K	−$9K	−0.9%
Q3 2024	$958K	−$183K	−16.0%

Fee-income share against its size cohort

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

Published fee schedule

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

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Account Closure Fee$25
Inside the U.S. middle 50% ($10 to $25 nationally)
Inactive Account Fee$10
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Account Paper Statement Fee$5
Above the U.S. middle 50% ($2 to $4.98 nationally)
per item
Consumer Account Paper Statement Fee$5
Above the U.S. middle 50% ($2 to $4.98 nationally)
per item
Incorrect Address Fee$5
Inside the U.S. middle 50% ($5 to $7.50 nationally)
per month

Overdraft & NSF

Overdrawn Fee (Privilege Pay)$35
Above the U.S. middle 50% ($25 to $33 nationally)
per item

ATM & Card

Card Replacement Fee$10
Inside the U.S. middle 50% ($5 to $10 nationally)
per item

Wire Transfers

Wire Transfer Outgoing Fee$25
Inside the U.S. middle 50% ($20 to $25 nationally)
per item
Wire Transfer Incoming Fee$15
Inside the U.S. middle 50% ($5 to $15 nationally)
per item
Wire Transfer International Fee$40
Inside the U.S. middle 50% ($40 to $50 nationally)
per item

Check Services

Bank Check Payable to Third Party$5
Inside the U.S. middle 50% ($3 to $6 nationally)
per item
Stop Payment$30
Inside the U.S. middle 50% ($20 to $30 nationally)
per item
Copy of Credit Union Check$5
Inside the U.S. middle 50% ($2 to $5 nationally)
per item
Share Draft Copy$5
Inside the U.S. middle 50% ($2 to $5 nationally)
per item

Digital & Electronic

Inactive Bill Pay User Fee$5
Inside the U.S. middle 50% ($0 to $6 nationally)
per month

Cash & Deposit

Cash Advance Fee (Non-Nutmeg Card)$10
Inside the U.S. middle 50% ($2 to $10 nationally)
Return Deposit Item Fee$35
Above the U.S. middle 50% ($9 to $25 nationally)
per item

Account Services

Lost Key$20
Not compared: Monthly charge, not annual
per month
Online Services Large Box (5” x 10”) Rental$90
Above the U.S. middle 50% ($32.50 to $60 nationally)
per year
Safe Deposit Box Extra Large Box (10” x 10”) Rental (audience not stated, treated as personal)$135
Above the U.S. middle 50% ($32.50 to $60 nationally)
per year
Safe Deposit Box Medium Box (5” x 5”) Rental (audience not stated, treated as personal)$60
Inside the U.S. middle 50% ($32.50 to $60 nationally)
per year
Safe Deposit Box Small Box (3” x 5”) Rental (audience not stated, treated as personal)$30
Below the U.S. middle 50% ($32.50 to $60 nationally)
per year
Levy & Garnishment$75
Inside the U.S. middle 50% ($30 to $85 nationally)
per item

Lending Fees

Credit Card Late Fee$25
Inside the U.S. middle 50% ($15 to $25 nationally)
Loan Late Fee$25
Inside the U.S. middle 50% ($15 to $25 nationally)

Retirement & IRA

IRA Transfer to Other Financial Institution$30
Inside the U.S. middle 50% ($25 to $35 nationally)
per item

Other Fees

Statement Copy$5
Inside the U.S. middle 50% ($2 to $5 nationally)
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closure Fee	$25Inside the U.S. middle 50% ($10 to $25 nationally)	Not stated	None
Inactive Account Fee	$10Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Account Paper Statement Fee	$5Above the U.S. middle 50% ($2 to $4.98 nationally)	per item	None
Consumer Account Paper Statement Fee	$5Above the U.S. middle 50% ($2 to $4.98 nationally)	per item	None
Incorrect Address Fee	$5Inside the U.S. middle 50% ($5 to $7.50 nationally)	per month	None
Overdraft & NSF
Overdrawn Fee (Privilege Pay)	$35Above the U.S. middle 50% ($25 to $33 nationally)	per item	None
ATM & Card
Card Replacement Fee	$10Inside the U.S. middle 50% ($5 to $10 nationally)	per item	None
Wire Transfers
Wire Transfer Outgoing Fee	$25Inside the U.S. middle 50% ($20 to $25 nationally)	per item	None
Wire Transfer Incoming Fee	$15Inside the U.S. middle 50% ($5 to $15 nationally)	per item	None
Wire Transfer International Fee	$40Inside the U.S. middle 50% ($40 to $50 nationally)	per item	None
Check Services
Bank Check Payable to Third Party	$5Inside the U.S. middle 50% ($3 to $6 nationally)	per item	None
Stop Payment	$30Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Copy of Credit Union Check	$5Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Share Draft Copy	$5Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Digital & Electronic
Inactive Bill Pay User Fee	$5Inside the U.S. middle 50% ($0 to $6 nationally)	per month	None
Cash & Deposit
Cash Advance Fee (Non-Nutmeg Card)	$10Inside the U.S. middle 50% ($2 to $10 nationally)	Not stated	None
Return Deposit Item Fee	$35Above the U.S. middle 50% ($9 to $25 nationally)	per item	None
Account Services
Lost Key	$20Not compared: Monthly charge, not annual	per month	None
Online Services Large Box (5” x 10”) Rental	$90Above the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box Extra Large Box (10” x 10”) Rental (audience not stated, treated as personal)	$135Above the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box Medium Box (5” x 5”) Rental (audience not stated, treated as personal)	$60Inside the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box Small Box (3” x 5”) Rental (audience not stated, treated as personal)	$30Below the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Levy & Garnishment	$75Inside the U.S. middle 50% ($30 to $85 nationally)	per item	None
Lending Fees
Credit Card Late Fee	$25Inside the U.S. middle 50% ($15 to $25 nationally)	Not stated	None
Loan Late Fee	$25Inside the U.S. middle 50% ($15 to $25 nationally)	Not stated	None
Retirement & IRA
IRA Transfer to Other Financial Institution	$30Inside the U.S. middle 50% ($25 to $35 nationally)	per item	None
Other Fees
Statement Copy	$5Inside the U.S. middle 50% ($2 to $5 nationally)	per item	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 6, 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.

Branches and public record

Where Nutmeg State Financial Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

14 offices in 1 state (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

Cities with the most offices

Rocky Hill, CT	3
Bristol, CT	2
New Haven, CT	2
Branford, CT	1
Glastonbury, CT	1
Hamden, CT	1
Manchester, CT	1
New Britain, CT	1

Largest competitors nearby

Local market: Capitol Planning Region county, CT, around its headquarters.

46 in its local market	Deposit share
Bank of America, National Association	52.2%
Manufacturers and Traders Trust Company	11.4%
Webster Bank, National Association	10%
TD Bank, National Association	6.8%
Liberty Bank	3.5%

Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.

Fee change alerts

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