Compared with North Carolina
7 of 21
compared fees are above the median.
9 below, 5 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 North Carolina median
of 21 compared; 9 below, 5 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Bragg Mutual 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 North Carolina median | Published fees above the North Carolina median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Bragg Mutual Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 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 $358K in Q2 2026, 8.2% above the same quarter a year earlier ($331K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 21 compared published fees sit above the North Carolina median; 9 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 North Carolina medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $1.13, the middle of its prices
Monthly Maintenance
BMFCU Perks Checking $2.95 · BMFCU Perks Plus Checking $5.95
Compared at $4.45, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for North Carolina, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 2.0% from Q3 2025 to Q2 2026, to $358K. Its share of revenue, 15%, is above the 7.2% median for credit unions with under $300M in assets.
$358K
Bragg Mutual 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. *Non-network ATM: Listed at $0.75 to $1.50; we compare the midpoint. Monthly maintenance: Listed at $2.95 to $5.95; we compare the midpoint.
Bragg Mutual Federal Credit Union · $131M in assets
Banks and credit unions in the Fayetteville, NC metro
Banks and credit unions with branches in the Fayetteville, NC metro: the local competitors for deposits and customers. They range from $477M to $2.7T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Bragg Mutual Federal Credit Union(this institution) | Fayetteville, NC | $131M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank of America, National Association | Charlotte, NC | $2.7T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank | Southern Pines, NC | $13B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Horizon Bank | Memphis, TN | $84.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First National Bank of Pennsylvania | Greenville, PA | $50.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First-Citizens Bank & Trust Company | Raleigh, NC | $236.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Fort Bragg Federal Credit Union | Fayetteville, NC | $690M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| FSNB, National Association | Lawton, OK | $478M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 |
| Lumbee Guaranty Bank | Pembroke, NC | $583M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | 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 |
| Navy Federal Credit Union | Vienna, VA | $204.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pentagon Federal Credit Union | Mclean, VA | $29.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| PNC Bank, National Association | Wilmington, DE | $609.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sharonview Federal Credit Union | Fort Mill, SC | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State Employees' Federal Credit Union | Raleigh, NC | $60B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The Fidelity Bank | Fuquay Varina, NC | $4.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Truist Bank | Charlotte, NC | $548.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Bank | Fairfax, VA | $33.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wells Fargo Bank, National Association | Sioux Falls, SD | $1.9T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Woodforest National Bank | The Woodlands, TX | $9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
20 peers selected · 16 publish this fee(monthly maintenance)
4 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $4.45, the middle of its two prices, against a peer median of $9.98 among 16 publishing peers.
Its two checking prices are $2.95 and $5.95.
$4.45 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.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Bragg Mutual 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 | $358K | +$36K | +11.2% |
| Q1 2026 | $322K | −$19K | −5.6% |
| Q4 2025 | $341K | −$10K | −2.8% |
| Q3 2025 | $351K | +$20K | +6.0% |
| Q2 2025 | $331K | −$4K | −1.2% |
| Q1 2025 | $335K | −$47K | −12.3% |
| Q4 2024 | $382K | +$3K | +0.8% |
| Q3 2024 | $379K | +$22K | +6.2% |
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, Bragg Mutual 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 Bragg Mutual Federal Credit Union by share.
Amounts from Bragg Mutual 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 · Account Research Fee (per Hour) | $20.00
per month
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Fee | $5.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Perks Checking Monthly Fee | $2.95Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment Fee | $35Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Non-Activity (Dormant) Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research Fee (per Hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | Account Research Fee (per Hour) | $20.00 |
| Paper Statement Fee (Per Month/By Request) | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Mail Locator Fee | $2Below the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| ATM Overdraft Fee | $29Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Fee (per item and re-presented item) | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Bill Pay Returned Item Fee | $29Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Shared Branch NSF Return Fee | $10Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Inquiry Fee | $0.75Below the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Service Charges | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fee (Domestic, Outgoing) | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fee (Domestic, Incoming) | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Fee | $29Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment for BMFCU Cashier’s Checks, Share Withdrawal Checks, or Money Orders | $29Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Starter Checks (One Page of Four Checks) | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay Service (Monthly) | $5Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Visa® Credit Card Cash Advance Fee | $5Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Account Services | |||
| Tax Levy or Garnishment | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Loan Late Payment Fee | 4% | Not stated | None |
| Loan Late Payment Fee (audience not stated, treated as personal) | 4% | Not stated | None |
| Visa® Credit Card Late Payment Fee | $22Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa® Gift Card | $3.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Fax (Outgoing, First Page) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Extension (Skip-a-Payment) Fee | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Processing Fee | $35Inside 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
Nov 2, 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 Bragg Mutual Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state (June 30, 2026)
Each dot is one office.
3 of 4 offices on the map. 1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Fayetteville, NC | 2 |
| Cameron, NC | 1 |
| Kenansville, NC | 1 |
Largest competitors nearby
Local market: Cumberland county, NC, around its headquarters.
| 15 in its local market | Deposit share |
|---|---|
| Truist Bank | 26.7% |
| First-Citizens Bank & Trust Company | 21.6% |
| Bank of America, National Association | 15% |
| Wells Fargo Bank, National Association | 12% |
| PNC Bank, National Association | 6.5% |
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.