Compared with Mississippi
4 of 18
compared fees are above the median.
7 below, 7 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
100th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Mississippi median
of 18 compared; 7 below, 7 about the same
See the feesFee schedule read Oct 5, 2026
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) Year to date through the quarter. Median and percentile from each of 569 credit unions with $300M to $1B 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. | 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
Fee income was 25% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (100th 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 $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.
4 of 18 compared published fees sit above the Mississippi median; 7 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.
Non-Network ATM
Compared at $0.75, the middle of its prices
Monthly Maintenance
Advantage Checking (Non-Qualify only)
Overdraft (OD)
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 11% from Q3 2025 to Q2 2026, to $2.0M. Its share of revenue, 25%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$2.0M
Sunbelt 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 569 credit unions with $300M to $1B 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 $0.50 to $1; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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 Sunbelt 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 | $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% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Sunbelt 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 Sunbelt Federal Credit Union by share.
Amounts from Sunbelt Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per transaction
per month
per hour
per item
per month
per item
per item
per item
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Advantage Checking (Non-Qualify only) Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Sun Checking Account Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Closed Membership (within 3 months) | $5Below the U.S. middle 50% ($10 to $25 nationally) | per transaction | None |
| Inactive/ Dormant Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research/Balancing | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive Transfers/Withdrawals | $2Below the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Bad Address (returned mail) | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Privilege (drafts, checks, or Reg E) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Share Overdraft Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Card Transactions | $0.50Below the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM: Foreign/Out of Network Inquiry/Transfer/Withdrawal | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Card Rush/Expedited Delivery | $50Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Check Services | |||
| Official Check (cashier’s check) | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Official Check (cashier’s check) | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Starter Checks (3 pages) Quantity 12 | $10Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing (non-members) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Digital & Electronic | |||
| Cloud Bill Pay (2+ bills paid per month = Free) | $5Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Cash Advance (Foreign Debit / Credit Card) | $25Above the U.S. middle 50% ($2 to $10 nationally) | per item | None |
Account Services | |||
| Safe Deposit Box (Drilling) | $100Not compared: Box drilling or key fee | Not stated | None |
| Legal Response (Garnishment, Subpoena, etc.) | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Lending Fees | |||
| UCC Filing / UCC3 Filing / Upon Request | $9Below the U.S. middle 50% ($20.15 to $96.25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Maintenance (Annual) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA Early Withdrawal | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Rush Delivery (FedEx, USPS, UPS) | $40Inside the U.S. middle 50% ($20 to $40 nationally) | per item | None |
| Lien Release (Mortgage) | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Application – Loan App within 90 days of previous denial | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Application/ Renewal (Single Payment Loan) | $50Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Other Lending Fee | $13Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
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.
Where Sunbelt Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
11 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Hattiesburg, MS | 3 |
| Laurel, MS | 2 |
| Biloxi, MS | 1 |
| Ellisville, MS | 1 |
| Gulfport, MS | 1 |
| Magee, MS | 1 |
| Mccomb, MS | 1 |
| Waynesboro, MS | 1 |
Largest competitors nearby
Local market: Lamar and Forrest counties, MS, around its headquarters.
| 22 in its local market | Deposit share |
|---|---|
| The Huntington National Bank | 17.7% |
| Renasant Bank | 16.6% |
| Regions Bank | 12.2% |
| Trustmark Bank | 11.8% |
| Hancock Whitney Bank | 10.2% |
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.