Compared with Florida
6 of 16
compared fees are above the median.
6 below, 4 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
85th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Florida median
of 16 compared; 6 below, 4 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Southernmost 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 Florida median | Published fees above the Florida median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Southernmost 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 14% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (85th 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 $34K in Q2 2026, about level with the same quarter a year earlier ($34K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 16 compared published fees sit above the Florida 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 Florida medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
Compared at $35, its standard fee, the highest of its prices
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 5.6% from Q3 2025 to Q2 2026, to $34K. Its share of revenue, 14%, is above the 7.2% median for credit unions with under $300M in assets.
$34K
Southernmost 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. *Overdraft: Listed at $6 to $35; we compare the highest.
Southernmost Federal Credit Union · $16M 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 |
|---|---|---|---|---|---|---|---|
| Southernmost Federal Credit Union(this institution) | Key West, FL | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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 |
| Cape Federal Credit Union | Clarksburg, WV | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Capital Area Realtors Federal Credit Union | Rockville, MD | $16M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 |
| 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 |
| Greensboro Federal Credit Union | Greensboro, NC | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Harrison County Federal Credit Union | Nutter Fort, WV | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | 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 |
| Member Preferred Federal Credit Union | Fort Worth, TX | $16M | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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 |
| Puget Sound Refinery Federal Credit Union | Anacortes, WA | $16M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 |
| Tcp Federal Credit Union | Rural Hall, NC | $16M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 |
| Wisconsin Medical Federal Credit Union | Green Bay, WI | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | 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
Its published price is $25, against a peer median of $20 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
Against this institution's domestic wire fee
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 Southernmost 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 | $34K | +$2K | +6.3% |
| Q1 2026 | $32K | −$3K | −8.6% |
| Q4 2025 | $35K | −$1K | −2.8% |
| Q3 2025 | $36K | +$2K | +5.9% |
| Q2 2025 | $34K | +$2K | +6.3% |
| Q1 2025 | $32K | −$5K | −13.5% |
| Q4 2024 | $37K | +$6K | +19.4% |
| Q3 2024 | $31K | −$7K | −18.4% |
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, Southernmost 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 Southernmost Federal Credit Union by share.
Amounts from Southernmost Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per hour
per year
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Close Account within 90 days of Opening | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Reconciliation Assistance | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Research fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Locator Fee | $5Not compared: Annual charge, not monthly | per year | None |
| Return Statement Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Research Paid Item | $6Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Transfer from Shares to cover overdraft | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| 3rd Party ATM Balance Inquiry Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement debit card | $35Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| VISA Foreign Transaction fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
| VISA Foreign Transaction fee | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Domestic wire transfer (outgoing) fee | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Additional CU Cashier’s check payable to member issued same day | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Teller check payable to third party | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $1.50Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment: series of checks | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment: single item | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Credit Card Cash Advance Fee (audience not stated, treated as personal) | 3%of the advance | Not stated | None |
| Credit Card Cash Advance Fee | 3%of the advance | Not stated | None |
| Deposit Item Returned Unpaid | $35Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Fee for non-credit union documents | $10Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Subpoena of Records | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Written Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment on Visa Credit Card | $10Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Photocopies Fee | $0.20Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Transaction Photocopy | $6Above the U.S. middle 50% ($2 to $5 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 Southernmost Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Key West, FL | 1 |
Largest competitors nearby
Local market: Monroe county, FL, around its headquarters.
| 11 in its local market | Deposit share |
|---|---|
| First Horizon Bank | 27.1% |
| First State Bank of the Florida Keys | 23.8% |
| Centennial Bank | 18.6% |
| Bank of America, National Association | 13.4% |
| Wells Fargo Bank, National Association | 7.1% |
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.