Compared with Alabama
4 of 16
compared fees are above the median.
6 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
89th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Alabama median
of 16 compared; 6 below, 6 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for Aod 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 Alabama median | Published fees above the Alabama median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Aod Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 14% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (89th 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 $982K in Q2 2026, 0.9% above the same quarter a year earlier ($973K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 16 compared published fees sit above the Alabama median; 6 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 Alabama medians for fees published by banks and credit unions.
Wire Transfer (Domestic In)
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 6.7% from Q3 2025 to Q2 2026, to $982K. Its share of revenue, 14%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$982K
Aod 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.
Aod Federal Credit Union · $467M 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 |
|---|---|---|---|---|---|---|---|
| Aod Federal Credit Union(this institution) | Bynum, AL | $467M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alabama State Employees Federal Credit Union | Montgomery, AL | $471M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 |
| 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 |
| Cascade Community Federal Credit Union | Roseburg, OR | $465M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Century Federal Credit Union | Independence, OH | $470M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cornerstone Community Financial Federal Credit Union | Auburn Hills, MI | $470M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Cu Hawaii Federal Credit Union | Hilo, HI | $460M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Earthmover Federal Credit Union | Aurora, IL | $472M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fedchoice Federal Credit Union | Lanham, MD | $469M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 |
| Members Federal Credit Union | Winston Salem, NC | $477M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Millbury Federal Credit Union | Millbury, MA | $468M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| North Star Community Federal Credit Union | Maddock, ND | $465M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| On Tap Federal Credit Union | Golden, CO | $474M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ouachita Valley Federal Credit Union | West Monroe, LA | $464M | 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 |
| Public Service Federal Credit Union | Romulus, MI | $468M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 |
| Suma Federal Credit Union | Yonkers, NY | $468M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Tidemark Federal Credit Union | Seaford, DE | $469M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Trona Valley Community Federal Credit Union | Green River, WY | $470M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Winsouth Federal Credit Union | Gadsden, AL | $479M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 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 · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6 among 12 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
Aod 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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Aod 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 | $982K | +$6K | +0.6% |
| Q1 2026 | $976K | −$73K | −7.0% |
| Q4 2025 | $1.0M | −$4K | −0.4% |
| Q3 2025 | $1.1M | +$80K | +8.2% |
| Q2 2025 | $973K | −$74K | −7.1% |
| Q1 2025 | $1.0M | −$11K | −1.0% |
| Q4 2024 | $1.1M | −$71K | −6.3% |
| Q3 2024 | $1.1M | −$16K | −1.4% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Aod 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 Aod Federal Credit Union by share.
Amounts from Aod Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| If there is no transaction activity on your share and/or share draft account for a period of twelve (12) months and AOD | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research/Statement Reconcilement | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Undeliverable Mail | $2.50Below the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Paid NSF Fees (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Fees (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Replacement DEBIT Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfers – Outgoing | $40Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers – Incoming | $30Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Official Check (audience not stated, treated as personal) | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders ($1.00 with Draft Acct) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Check | $0.50Below the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Copies (each) (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Debit Return (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
| Electronic Bill Payment | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Levy/Garnishment processing | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Fax User Fees (Outgoing Only): First Page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| History Statement Printout (fee per monthly statement) | $3Not compared: Monthly charge, not per item | per month | None |
| Statement Copy (fee per page) | $3Inside 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
Oct 31, 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 Aod Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state (June 30, 2026)
Each dot is one office.
5 of 6 offices on the map. 1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Anniston, AL | 2 |
| Bynum, AL | 1 |
| Jacksonville, AL | 1 |
| Oxford, AL | 1 |
| Pell City, AL | 1 |
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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