Compared with Virginia
4 of 20
compared fees are above the median.
8 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
76th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Virginia median
of 20 compared; 8 below, 8 about the same
See the feesFee schedule read Oct 3, 2026
Call-report figures are for 1St Advantage 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 452 credit unions with $1B to $10B 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 Virginia median | Published fees above the Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | 1St Advantage Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 3, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.1% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (76th 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 $1.7M in Q2 2026, 6.4% above the same quarter a year earlier ($1.6M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 20 compared published fees sit above the Virginia median; 8 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 Virginia medians for fees published by banks and credit unions.
Monthly Maintenance
Premier Checking $5 · Preferred Checking $7
Compared at $6, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income was about level from Q3 2025 to Q2 2026, at $1.7M. Its share of revenue, 9.1%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$1.7M
1St Advantage 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $7; we compare the midpoint.
1St Advantage Federal Credit Union · $1.1B 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 |
|---|---|---|---|---|---|---|---|
| 1St Advantage Federal Credit Union(this institution) | Newport News, VA | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Alliance Federal Credit Union | Lubbock, TX | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Atlantic Regional Federal Credit Union | South Portland, ME | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Blupeak Federal Credit Union | San Diego, CA | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Brazos Valley Schools Federal Credit Union | Katy, TX | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Brightstar Federal Credit Union | Fort Lauderdale, FL | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community 1St Federal Credit Union | Ottumwa, IA | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Connex Federal Credit Union | North Haven, CT | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Family Security Federal Credit Union | Decatur, AL | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Source Federal Credit Union | New Hartford, NY | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Fivepoint Federal Credit Union | Nederland, TX | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hawaiian Financial Federal Credit Union | Honolulu, HI | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hfs Federal Credit Union | Hilo, HI | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kirtland Federal Credit Union | Albuquerque, NM | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lafcu Federal Credit Union | Lansing, MI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Latino Community Federal Credit Union | Durham, NC | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Michigan Educational Federal Credit Union | Plymouth, MI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Neighborhood Federal Credit Union | Dallas, TX | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peach State Federal Credit Union | Lawrenceville, GA | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| People First Federal Credit Union | Allentown, PA | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Point Breeze Federal Credit Union | Hunt Valley, MD | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Radiant Federal Credit Union | Gainesville, FL | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Raiz Federal Credit Union | El Paso, TX | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Topline Financial Federal Credit Union | Maple Grove, MN | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Utah Power Federal Credit Union | Murray, UT | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Velocity Federal Credit Union | Austin, TX | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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.
Peer pricing snapshot
Compared at $6, the middle of its two prices, against a peer median of $6 among 13 publishing peers.
Its two checking prices are $5 and $7.
$6 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 1St Advantage 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 | $1.7M | +$52K | +3.2% |
| Q1 2026 | $1.6M | −$98K | −5.8% |
| Q4 2025 | $1.7M | +$41K | +2.5% |
| Q3 2025 | $1.7M | +$104K | +6.7% |
| Q2 2025 | $1.6M | +$48K | +3.2% |
| Q1 2025 | $1.5M | −$61K | −3.9% |
| Q4 2024 | $1.6M | +$2K | +0.1% |
| Q3 2024 | $1.6M | +$112K | +7.7% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, 1St Advantage 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 1St Advantage Federal Credit Union by share.
Amounts from 1St Advantage 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 hour
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Preferred Checking Monthly service charge | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Premier Checking Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| New Accounts Closed Within 90 Days | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Insufficient Funds Overdraft | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Electronic/ Insufficient Funds Return | $29Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Foreign ATM Withdrawals | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement of Damaged/Lost/Stolen Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Card Expedited | $35Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Electronic Stop Payments | $28Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment | $28Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary/ Starter Checks | $5Above the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing: Non-Member | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Copy of Cleared Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Garnishment/Tax Levy | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Verification of Deposit | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA External Transfer Fee | $20Below the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Faxed | $4Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Skip-a-Pay | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Oct 3, 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 1St Advantage Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
12 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Williamsburg, VA | 3 |
| Hampton, VA | 2 |
| Newport News, VA | 2 |
| Yorktown, VA | 2 |
| Gloucester, VA | 1 |
| Richmond, VA | 1 |
| Virginia Beach, VA | 1 |
Largest competitors nearby
Local market: Newport News city county, VA, around its headquarters.
| 17 in its local market | Deposit share |
|---|---|
| TowneBank | 40.9% |
| Truist Bank | 20.6% |
| Bank of America, National Association | 13.6% |
| Wells Fargo Bank, National Association | 12.2% |
| Atlantic Union Bank | 3.9% |
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.