Compared with Mississippi
8 of 23
compared fees are above the median.
7 below, 8 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
88th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Mississippi median
of 23 compared; 7 below, 8 about the same
See the feesFee schedule read Oct 6, 2026
Call-report figures are for Magnolia 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 Mississippi median | Published fees above the Mississippi median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Magnolia 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
Fee income was 15% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (88th 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 $579K in Q2 2026, 7.1% below the same quarter a year earlier ($623K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 23 compared published fees sit above the Mississippi 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 Mississippi medians for fees published by banks and credit unions.
NSF / Returned Item
Monthly Maintenance
Compared at $5, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Mississippi, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 3.2% from Q3 2025 to Q2 2026, to $579K. Its share of revenue, 15%, is above the 7.2% median for credit unions with under $300M in assets.
$579K
Magnolia 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. *Monthly maintenance: Listed at $1 to $5.95; we compare the midpoint.
Magnolia Federal Credit Union · $186M 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 |
|---|---|---|---|---|---|---|---|
| Magnolia Federal Credit Union(this institution) | Jackson, MS | $186M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alden Federal Credit Union | 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 |
| 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 |
| Nw Preferred Federal Credit Union | Tigard, OR | $189M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 $5, the middle of its three prices, against a peer median of $5.95 among 11 publishing peers.
Its three checking prices are $1, $5 and $5.95.
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 Magnolia 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 | $579K | −$17K | −2.9% |
| Q1 2026 | $596K | −$18K | −2.9% |
| Q4 2025 | $614K | +$53K | +9.4% |
| Q3 2025 | $561K | −$62K | −10.0% |
| Q2 2025 | $623K | +$36K | +6.1% |
| Q1 2025 | $587K | −$26K | −4.2% |
| Q4 2024 | $613K | +$38K | +6.6% |
| Q3 2024 | $575K | +$42K | +7.9% |
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, Magnolia 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 Magnolia Federal Credit Union by share.
Amounts from Magnolia Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per item
per item
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service (unlimited bills paid) | $5.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| The maintenance fee is only | $1Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Below Minimum Balance Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Closed Account within 90 Days | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment Processing (per account or item) | $100Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Account -- each share account | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research ($25.00 minimum) | $25Inside the U.S. middle 50% ($6.44 to $25 nationally) | Not stated | None |
| Paper Statement Fee (per statement, waived for members under age 18 and 65+) | $2.50Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Return Mail (waived for Teen Accounts) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-sufficient Funds (NSF) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Card Replacement (waived for Teen Accounts) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Visa Debit Card Replacement | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Teen Accounts Visa Debit Card Replacement Rush | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Wire | $30Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Corporate Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Corporate Check Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Draft/ACH | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $4Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Share Draft Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| One-time ACH Origination | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Originating ACH Return | $30Inside the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Item Returned ltem | $10Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Key Replacement | $10Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Box 10 x 10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10 x 10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 X 10 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishment/Levy Processing | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Cards | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Visa Gift Cards with eStatements | $2Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| VISA Reloadable Prepaid Debit Card | $10Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
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.
Where Magnolia Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Flowood, MS | 1 |
| Jackson, MS | 1 |
| Madison, MS | 1 |
| Mccomb, MS | 1 |
| Morton, MS | 1 |
Largest competitors nearby
Local market: Hinds county, MS, around its headquarters.
| 27 in its local market | Deposit share |
|---|---|
| Trustmark Bank | 37.9% |
| The Huntington National Bank | 20.3% |
| Regions Bank | 18% |
| BankPlus | 12.3% |
| Story Financial Partners | 6% |
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.