Compared with Mississippi
5 of 14
compared fees are above the median.
6 below, 3 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
97th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Mississippi median
of 14 compared; 6 below, 3 about the same
See the feesFee schedule read Oct 20, 2026
Call-report figures are for One South 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 Mississippi median | Published fees above the Mississippi median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | One South Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 20, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 23% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (97th 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 $72K in Q2 2026, 5.3% below the same quarter a year earlier ($76K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 14 compared published fees sit above the Mississippi 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 Mississippi medians for fees published by banks and credit unions.
Deposited Item Return
Stop Payment
Cashier's Check
Each amount links to the fee schedule it was read from. Medians for Mississippi, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 6.5% from Q3 2025 to Q2 2026, to $72K. Its share of revenue, 23%, is above the 7.2% median for credit unions with under $300M in assets.
$72K
One South 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.
One South Federal Credit Union · $17M 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 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| One South Federal Credit Union(this institution) | Natchez, MS | $17M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 1166 Federal Credit Union | Swedesboro, NJ | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Academic Employees Federal Credit Union | Columbia, MO | $17M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alcose Federal Credit Union | White Oak, PA | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Anmed Federal Credit Union | Anderson, SC | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Berkeley Community Federal Credit Union | Moncks Corner, SC | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cbi Federal Credit Union | Plainfield, IL | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Clifty Creek Employees Federal Credit Union | Madison, IN | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cm Members Federal Credit Union | Columbus, MS | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farm Credit Employees Federal Credit Union | Saint Paul, MN | $17M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Gallup Federal Credit Union | Omaha, NE | $16M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Gateway Federal Credit Union | Clarksville, TN | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hema Federal Credit Union | Silver Spring, MD | $17M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Jefferson County Teachers Federal Credit Union | Monticello, FL | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Lakewood Federal Credit Union | Rib Lake, WI | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Lithium Federal Credit Union | Bessemer City, NC | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Long Island Alliance Federal Credit Union | Hauppauge, NY | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Northwestern Federal Credit Union | Bryan, OH | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Ottawa Hiway Federal Credit Union | Ottawa, IL | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Palace City Federal Credit Union | Mitchell, SD | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Parthenon Federal Credit Union | Nashville, TN | $17M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Skyline Federal Credit Union | Nashville, TN | $17M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Southernmost Federal Credit Union | Key West, FL | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Spokane Media Federal Credit Union | Spokane, WA | $17M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Varex Federal Credit Union | Salt Lake City, UT | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| White County Federal Credit Union | Searcy, AR | $17M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(domestic wire)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $22.50 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 30, 2026.
Domestic wire fee in dollars, one mark per institution
One South Federal Credit Union does not publish a domestic wire 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 30, 2026. Total assets from FDIC and NCUA records.
Call reports for One South 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 | $72K | −$1K | −1.4% |
| Q1 2026 | $73K | −$2K | −2.7% |
| Q4 2025 | $75K | −$2K | −2.6% |
| Q3 2025 | $77K | +$1K | +1.3% |
| Q2 2025 | $76K | +$3K | +4.1% |
| Q1 2025 | $73K | −$4K | −5.2% |
| Q4 2024 | $77K | $0 | 0.0% |
| Q3 2024 | $77K | +$1K | +1.3% |
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, One South 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 One South Federal Credit Union by share.
Amounts from One South Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per month
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early account closing (within 3 months of opening) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account reconciliation/research, per hour | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Mailed statement fee, per month | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Invalid address, per mail piece | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft, per item transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Debit card replacement fee | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Membership card replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit card PIN replacement (rush) | $25Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Debit card replacement (rush) | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's/Official's/Teller's check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop payment, per item | $28Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Copy of paid check, per copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Return deposit item, per item | $28Above the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Garnishment processing | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Tax levy processing | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of account/deposit (ea) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Priority/Overnight mail services, varies | $20Inside the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Document copy, per page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax service, per page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Loan payment via phone/website/text | $4.99Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| New loan application | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 20, 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 One South Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Frisco, TX | 1 |
| Natchez, MS | 1 |
Largest competitors nearby
Local market: Adams county, MS, around its headquarters.
| 8 in its local market | Deposit share |
|---|---|
| Home Bank, National Association | 26.6% |
| United Mississippi Bank | 25.7% |
| Regions Bank | 21.7% |
| Concordia Bank & Trust Company | 19% |
| Delta Bank | 6.1% |
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.