Compared with Louisiana
5 of 27
compared fees are above the median.
10 below, 12 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
98th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Louisiana median
of 27 compared; 10 below, 12 about the same
See the feesFee schedule read Oct 22, 2026
Call-report figures are for Centric 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 569 credit unions with $300M to $1B 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 Louisiana median | Published fees above the Louisiana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Centric Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 22, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 19% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (98th 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 $2.0M in Q2 2026, 1.5% below the same quarter a year earlier ($2.0M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 27 compared published fees sit above the Louisiana median; 10 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 Louisiana medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $7, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Compared at $28, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Louisiana, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 3.1% from Q3 2025 to Q2 2026, to $2.0M. Its share of revenue, 19%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$2.0M
Centric 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $6 to $12; we compare the midpoint.
Centric Federal Credit Union · $448M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Centric Federal Credit Union(this institution) | West Monroe, LA | $448M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Aerospace Federal Credit Union | Los Angeles, CA | $446M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| American Southwest Federal Credit Union | Sierra Vista, AZ | $440M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Assemblies Of God Federal Credit Union | Springfield, MO | $450M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Baton Rouge Telco Federal Credit Union | Baton Rouge, LA | $458M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Boston Firefighters Federal Credit Union | Dorchester, MA | $453M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Canton School Employees Federal Credit Union | North Canton, OH | $462M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Chessie Federal Credit Union | Cumberland, MD | $434M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Colorado Federal Credit Union | Littleton, CO | $442M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cport Federal Credit Union | Portland, ME | $435M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cse Federal Credit Union | Lake Charles, LA | $446M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cu Hawaii Federal Credit Union | Hilo, HI | $460M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dexsta Federal Credit Union | Wilmington, DE | $432M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Essential Federal Credit Union | Baton Rouge, LA | $434M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fort Community Federal Credit Union | Fort Atkinson, WI | $450M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gain Federal Credit Union | Burbank, CA | $454M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Infuze Federal Credit Union | Fort Leonard Wood, MO | $457M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mid-Atlantic Federal Credit Union | Germantown, MD | $443M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Picatinny Federal Credit Union | Dover, NJ | $459M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southeastern Federal Credit Union | Valdosta, GA | $441M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Cloud Financial Federal Credit Union | Sartell, MN | $456M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Louis Community Federal Credit Union | Saint Louis, MO | $445M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Taunton Federal Credit Union | Taunton, MA | $440M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Texar Federal Credit Union | Texarkana, TX | $441M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wheelhouse Federal Credit Union | San Diego, CA | $460M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Wmcu Federal Credit Union | Grand Rapids, MI | $455M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ 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.
Peer pricing snapshot
Compared at $7, the middle of its four prices, against a peer median of $6 among 13 publishing peers.
Its four checking prices are $6, $6, $8 and $12.
$7 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 1, 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 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Centric 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 | $2.0M | +$122K | +6.6% |
| Q1 2026 | $1.8M | −$129K | −6.5% |
| Q4 2025 | $2.0M | −$56K | −2.8% |
| Q3 2025 | $2.0M | +$34K | +1.7% |
| Q2 2025 | $2.0M | +$531K | +36.3% |
| Q1 2025 | $1.5M | −$243K | −14.2% |
| Q4 2024 | $1.7M | +$47K | +2.8% |
| Q3 2024 | $1.7M | +$99K | +6.3% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Centric 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 Centric Federal Credit Union by share.
Amounts from Centric Federal Credit Union’s own schedules, with a source for each figure.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Additional Basic Checking Account(s) Monthly service charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Additional Centric Checking Acct(s) Monthly service charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Max Money Checking Monthly service charge (audience not stated, treated as personal) | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Fee (audience not stated, treated as personal) | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closed within 90 days | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Savings inactive for 1 year | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft (OD) | $28Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft (OD) | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Fee | $28Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Privilege | $28Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Fee or a Return Item Fee | $28Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Non-Sufficient Fee | $28Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Nonsufficient funds fee | $28Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Nonsufficient funds fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Negative Balance Fee: (2nd day & each subsequent day) (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Overdraft Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Withdrawal/Transfer | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM Withdrawal/Transfer/Inquiry | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Non-Network ATM | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer (Domestic) | $8Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (Foreign) | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment (Bill Payer Item) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment (checks & ACH) | $28Inside 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) | Not stated | None |
| Temporary Checks | $4Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Draft Photocopies | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Payment Fee | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Copy of Bill Payment | $30Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Item Return | $28Above the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
| Deposited Item Return | $5Below the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
| Returned Item Fee (audience not stated, treated as personal) | $28Above the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Annual Rental Size 10x10 | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rental Size 3x10 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rental Size 3x5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rental Size 5x10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rental Size 5x5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Annual Rental Size 10x10 (audience not stated, treated as personal) | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Annual Rental Size 3x10 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Annual Rental Size 3x5 (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Annual Rental Size 5x10 (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Annual Rental Size 5x5 (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Tax Levy | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Legal Process | $25Below the U.S. middle 50% ($50 to $150 nationally) | per item | None |
Gift & Prepaid Cards | |||
| VISA Gift Card | $3.50Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Express Mail (FedEx) | $35Inside the U.S. middle 50% ($20 to $40 nationally) | per item | None |
| Bill Payer Payment Photocopies | $15Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax Service | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Loan Payment by Phone | $5Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Secured Loan | $50Above the U.S. middle 50% ($20 to $37.50 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 22, 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 Centric Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
9 offices in 1 state (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Monroe, LA | 3 |
| West Monroe, LA | 3 |
| Ruston, LA | 2 |
| Grambling, LA | 1 |
Largest competitors nearby
Local market: Ouachita parish, LA, around its headquarters.
| 22 in its local market | Deposit share |
|---|---|
| Origin Bank | 25.6% |
| JPMorgan Chase Bank, National Association | 15.2% |
| b1BANK | 12.3% |
| The Huntington National Bank | 10.3% |
| Regions Bank | 8.1% |
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.