Sunbelt Federal Credit Union

Headquarters: Hattiesburg, Mississippi
Charter: Credit Union
Assets: $366.4M
Fed district: Atlanta
Regulator: NCUA

21 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 5, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 5, 2026

How these figures are measured

Call-report figures are for Sunbelt 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Sunbelt Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 5, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Sunbelt Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $2.0M in Q2 2026, 10% below the same quarter a year earlier ($2.2M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Advantage Checking (Non-Qualify only)
Sunbelt Federal Credit Union: $5
Sunbelt Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Sunbelt Federal Credit Union: $30
Sunbelt Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Sunbelt Federal Credit Union: $30
Sunbelt Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Mississippi: Banks and credit unions headquartered in Mississippi that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income fell 11% from Q3 2025 to Q2 2026, to $2.0M.

Fee income, Q2 2026

$2.0M

$2.3MQ3 2025

$2.2MQ4 2025

$2.1MQ1 2026

$2.0MQ2 2026

Against the median

Sunbelt Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Sunbelt Federal Credit Union · $366M 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.

Credit unions only
$358M to $375M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Sunbelt Federal Credit Union(this institution)	Hattiesburg, MS	$366M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Aero Federal Credit Union	Glendale, AZ	$364M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Affidian Federal Credit Union	Denver, CO	$360M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Allegiance Federal Credit Union	Oklahoma City, OK	$372M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
C-Plant Federal Credit Union	Paducah, KY	$366M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cardinal Credit Union, Inc.	Mentor, OH	$366M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Class Act Federal Credit Union	Louisville, KY	$365M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Alliance Federal Credit Union	Rochester, MN	$358M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Capital Federal Credit Union	York, PA	$368M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Great Basin Federal Credit Union	Reno, NV	$373M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Great Northwest Federal Credit Union	Aberdeen, WA	$375M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
HUDSON RIVER COMMUNITY	Corinth, NY	$364M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Marshall Community Federal Credit Union	Marshall, MI	$372M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mass Bay Federal Credit Union	South Boston, MA	$367M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Mobility Credit Union	Irving, TX	$358M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
My Federal Credit Union	Bloomington, MN	$366M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Panhandle Federal Credit Union	Panama City, FL	$368M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pasadena Federal Credit Union	Pasadena, CA	$375M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peopleschoice Federal Credit Union	Biddeford, ME	$367M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Piedmont Advantage Credit Union	Winston Salem, NC	$368M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sharepoint Federal Credit Union	Bloomington, MN	$360M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Signal Financial Federal Credit Union	Kensington, MD	$364M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
St. Jean'S Federal Credit Union	lynn, MA	$373M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Summit Federal Credit Union	Greensboro, NC	$369M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
United Financial Federal Credit Union	Saginaw, MI	$360M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Waterbury Connecticut Teachers Federal Credit Union	Waterbury, CT	$365M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

11 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is broadly aligned with similar-sized credit unions: within 1% of their median.

Compared at $5, the middle of its two prices, against a peer median of $5 among 14 publishing peers.

Its two checking prices are $5 and $5.

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

Sunbelt Federal Credit Un…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Sunbelt Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $2.0M
vs prior quarter: −$106K−5.0%; from Q1 2026
vs a year earlier: −$233K−10.4%; from Q2 2025
vs start of range: −$362K−15.2%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Sunbelt Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$2.0M	−$106K	−5.0%
Q1 2026	$2.1M	−$108K	−4.8%
Q4 2025	$2.2M	−$34K	−1.5%
Q3 2025	$2.3M	+$15K	+0.7%
Q2 2025	$2.2M	+$22K	+1.0%
Q1 2025	$2.2M	−$95K	−4.1%
Q4 2024	$2.3M	−$56K	−2.4%
Q3 2024	$2.4M	+$76K	+3.3%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Sunbelt Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Advantage Checking (Non-Qualify only) Monthly service charge$5
per month
Sun Checking Account Monthly service charge$5
per month
Closed Membership (within 3 months)$5
per transaction
Inactive/ Dormant Account$5
per month
Account Research/Balancing$50
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Transfers/Withdrawals$2
per item
Bad Address (returned mail)$10
per month

Overdraft & NSF

Overdraft Privilege (drafts, checks, or Reg E)$30
per item
Non-Sufficient Funds (NSF)$30
Share Overdraft Transfer$5
per item

ATM & Card

ATM Card Transactions$0.50
per item
ATM: Foreign/Out of Network Inquiry/Transfer/Withdrawal$1
per item
Card Rush/Expedited Delivery$50
per item

Check Services

Official Check (cashier’s check)$3
per item
Official Check (cashier’s check)$10
per item
Starter Checks (3 pages) Quantity 12$10
Check Cashing (non-members)$5
per item

Digital & Electronic

Cloud Bill Pay (2+ bills paid per month = Free)$5
per month

Cash & Deposit

Cash Advance (Foreign Debit / Credit Card)$25
per item

Account Services

Safe Deposit Box (Drilling)$100
Not compared: Box drilling or key fee
Legal Response (Garnishment, Subpoena, etc.)$50
per item

Lending Fees

UCC Filing / UCC3 Filing / Upon Request$9

Retirement & IRA

IRA Maintenance (Annual)$10
per year
IRA Early Withdrawal$25
per item

Other Fees

Rush Delivery (FedEx, USPS, UPS)$40
per item
Lien Release (Mortgage)$35
Loan Application – Loan App within 90 days of previous denial$25
Loan Application/ Renewal (Single Payment Loan)$50
Other Lending Fee$13

Fee	Amount	Basis	Note
Account Maintenance
Advantage Checking (Non-Qualify only) Monthly service charge	$5	per month	None
Sun Checking Account Monthly service charge	$5	per month	None
Closed Membership (within 3 months)	$5	per transaction	None
Inactive/ Dormant Account	$5	per month	None
Account Research/Balancing	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Transfers/Withdrawals	$2	per item	None
Bad Address (returned mail)	$10	per month	None
Overdraft & NSF
Overdraft Privilege (drafts, checks, or Reg E)	$30	per item	None
Non-Sufficient Funds (NSF)	$30	Not stated	None
Share Overdraft Transfer	$5	per item	None
ATM & Card
ATM Card Transactions	$0.50	per item	None
ATM: Foreign/Out of Network Inquiry/Transfer/Withdrawal	$1	per item	None
Card Rush/Expedited Delivery	$50	per item	None
Check Services
Official Check (cashier’s check)	$3	per item	None
Official Check (cashier’s check)	$10	per item	None
Starter Checks (3 pages) Quantity 12	$10	Not stated	None
Check Cashing (non-members)	$5	per item	None
Digital & Electronic
Cloud Bill Pay (2+ bills paid per month = Free)	$5	per month	None
Cash & Deposit
Cash Advance (Foreign Debit / Credit Card)	$25	per item	None
Account Services
Safe Deposit Box (Drilling)	$100Not compared: Box drilling or key fee	Not stated	None
Legal Response (Garnishment, Subpoena, etc.)	$50	per item	None
Lending Fees
UCC Filing / UCC3 Filing / Upon Request	$9	Not stated	None
Retirement & IRA
IRA Maintenance (Annual)	$10	per year	None
IRA Early Withdrawal	$25	per item	None
Other Fees
Rush Delivery (FedEx, USPS, UPS)	$40	per item	None
Lien Release (Mortgage)	$35	Not stated	None
Loan Application – Loan App within 90 days of previous denial	$25	Not stated	None
Loan Application/ Renewal (Single Payment Loan)	$50	Not stated	None
Other Lending Fee	$13	Not stated	None

Correct a fee source

Oct 5, 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.

Fee change alerts

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