Compared with Virginia
7 of 23
compared fees are above the median.
10 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
74th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Virginia median
of 23 compared; 10 below, 6 about the same
See the feesFee schedule read Oct 19, 2026
Call-report figures are for Homebase 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 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. | Homebase Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 19, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 11% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (74th 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 $498K in Q2 2026, 9.7% above the same quarter a year earlier ($454K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 23 compared published fees sit above the Virginia 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 Virginia medians for fees published by banks and credit unions.
Non-Network ATM
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 fell 6.2% from Q3 2025 to Q2 2026, to $498K. Its share of revenue, 11%, is above the 7.2% median for credit unions with under $300M in assets.
$498K
Homebase 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.
Homebase Federal Credit Union · $298M 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Homebase Federal Credit Union(this institution) | Prince George, VA | $298M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1St Community Federal Credit Union | Sparta, WI | $288M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Advantage Plus Federal Credit Union | Pocatello, ID | $292M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alive Federal Credit Union | Jacksonville, FL | $296M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bangor Federal Credit Union | Bangor, ME | $293M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bowater Employees Federal Credit Union | Calhoun, TN | $303M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bronco Federal Credit Union | Franklin, VA | $292M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Century Heritage Federal Credit Union | Pittsburgh, PA | $289M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cross Valley Federal Credit Union | Wilkes Barre, PA | $300M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Glacier Hills Federal Credit Union | West Bend, WI | $286M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Har-Co Federal Credit Union | Bel Air, MD | $286M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Holyoke Federal Credit Union | Holyoke, MA | $296M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Jetstream Federal Credit Union | Miami Lakes, FL | $307M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kalsee Federal Credit Union | Kalamazoo, MI | $292M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Loyalty Federal Credit Union | Pensacola, FL | $300M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Maine Family Federal Credit Union | Lewiston, ME | $288M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Membersalliance Federal Credit Union | Rockford, IL | $304M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mtc Federal Credit Union | Greenville, SC | $303M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New Horizons Federal Credit Union | Mobile, AL | $304M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Otis Federal Credit Union | Jay, ME | $300M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peninsula Community Federal Credit Union | Shelton, WA | $304M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Santa Barbara Teachers Federal Credit Union | Santa Barbara, CA | $308M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Tct Federal Credit Union | Ballston Spa, NY | $296M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Federal Credit Union | Mexico, MO | $302M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Valley Communities Federal Credit Union | Mosinee, WI | $307M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Zia Federal Credit Union | Los Alamos, NM | $308M | 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 · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5.75 among 10 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 Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Homebase 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Homebase 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 | $498K | +$17K | +3.5% |
| Q1 2026 | $481K | −$48K | −9.1% |
| Q4 2025 | $529K | −$2K | −0.4% |
| Q3 2025 | $531K | +$77K | +17.0% |
| Q2 2025 | $454K | +$34K | +8.1% |
| Q1 2025 | $420K | −$71K | −14.5% |
| Q4 2024 | $491K | +$19K | +4.0% |
| Q3 2024 | $472K | +$27K | +6.1% |
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, Homebase 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 Homebase Federal Credit Union by share.
Amounts from Homebase Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per month
per item
per item
per item
per item
per item
per item · per four checks; waived if box of checks is ordered on the same day
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Money Market Minimum Balance Fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation/Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Share Account Excessive Withdrawals | $1Below the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Incorrect Address | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay (not eligible for Student Checking) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF (Non-sufficient Funds) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Foreign ATM Inquiry | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Foreign ATM Transaction | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Lost/Stolen Card Replacement | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Expedited Card Shipment | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer (outgoing) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| International Wire | $45Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Official Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks | $4Inside the U.S. middle 50% ($1 to $4 nationally) | per item | per four checks; waived if box of checks is ordered on the same day |
| Foreign Check Collection: Canada | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Foreign Check Collection: Other Countries | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Item Return | $25Inside the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Lien, Levy, or Garnishment | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of Deposit, Account Verification | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Account Withdrawal | $100Above the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Statement Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Loan Payment over the phone from other financial institution | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 19, 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 Homebase Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
2 of 3 offices on the map. 1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Chester, VA | 1 |
| Fort Gregg Adams, VA | 1 |
| Prince George, VA | 1 |
Largest competitors nearby
Local market: Prince George county, VA, around its headquarters.
| 6 in its local market | Deposit share |
|---|---|
| Truist Bank | 55.5% |
| The Bank of Southside Virginia | 31.1% |
| First Bank | 13.4% |
| Hopewell Chemical Federal Credit Union | Credit union |
| Kraftsman Federal Credit Union | Credit union |
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.