Compared with Florida
4 of 19
compared fees are above the median.
9 below, 6 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
96th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Florida median
of 19 compared; 9 below, 6 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Mccoy 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 452 credit unions with $1B to $10B 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. | Mccoy Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 16% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (96th 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 $2.5M in Q2 2026, 1.6% below the same quarter a year earlier ($2.5M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 19 compared published fees sit above the Florida 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 Florida medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $1.50, the middle of its prices
Monthly Maintenance
Compared at $6.50, the middle of its prices
Overdraft (OD)
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 6.4% from Q3 2025 to Q2 2026, to $2.5M. Its share of revenue, 16%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$2.5M
Mccoy 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 452 credit unions with $1B to $10B 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 $1 to $2; we compare the midpoint. Monthly maintenance: Listed at $0 to $10; we compare the midpoint.
Mccoy Federal Credit Union · $1B 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Mccoy Federal Credit Union(this institution) | Orlando, FL | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 4Front Federal Credit Union | Traverse City, MI | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alpena-Alcona Area Federal Credit Union | Alpena, MI | $976M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Belco Community Credit Union | Harrisburg, PA | $974M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Brazos Valley Schools Federal Credit Union | Katy, TX | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Brightstar Federal Credit Union | Fort Lauderdale, FL | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Connex Federal Credit Union | North Haven, CT | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Del-One Federal Credit Union | Dover, DE | $983M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Enrichment Federal Credit Union | Oak Ridge, TN | $984M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Golden Plains Federal Credit Union | Garden City, KS | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Greater Texas Federal Credit Union | Austin, TX | $995M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heritage Federal Credit Union | Newburgh, IN | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Houston Police Federal Credit Union | Houston, TX | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kellogg Community Federal Credit Union | Battle Creek, MI | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | 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 |
| Matanuska Valley Federal Credit Union | Palmer, AK | $977M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merck Sharp & Dohme Federal Credit Union | Chalfont, PA | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mirastar Federal Credit Union | San Jose, CA | $1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| People First Federal Credit Union | Allentown, PA | $1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Point Breeze Federal Credit Union | Hunt Valley, MD | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Power Financial Federal Credit Union | Pembroke Pines, FL | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| St. Mary'S Federal Credit Union | Marlborough, MA | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tucson Federal Credit Union | Tucson, AZ | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| University Of Hawaii Federal Credit Union | Honolulu, HI | $976M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Water And Power Community Federal Credit Union | Los Angeles, CA | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Westby Co-Op Federal Credit Union | Westby, WI | $1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $6.50, the middle of its four prices, against a peer median of $5 among 9 publishing peers.
Its four checking prices are $0, $5, $8 and $10.
$6.50 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 3, 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 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Mccoy 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 | $2.5M | −$42K | −1.7% |
| Q1 2026 | $2.5M | −$145K | −5.5% |
| Q4 2025 | $2.6M | +$20K | +0.8% |
| Q3 2025 | $2.6M | +$127K | +5.1% |
| Q2 2025 | $2.5M | −$27K | −1.1% |
| Q1 2025 | $2.5M | −$182K | −6.7% |
| Q4 2024 | $2.7M | +$97K | +3.7% |
| Q3 2024 | $2.6M | +$303K | +13.1% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Mccoy 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 Mccoy Federal Credit Union by share.
Amounts from Mccoy Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
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per month
per month
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per item
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per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Checking Smarter Checking Monthly Maintenance Fee | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Fresh Start Checking Monthly Maintenance Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Simply Checking Monthly Maintenance Fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closure | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Account (after 12 Months) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Paper Statement (Mailed) | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Bad Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay | $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) | per item | None |
| Overdraft Protection Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Non-Network Inquiry | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM Non-Network Transaction | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Rush Replacement Card | $25Below the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Check Services | |||
| Official Check Exchange | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Official Checks | $1Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $1Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Foreign Check Deposit | $35Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Return Deposit Items | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Return Deposit Items | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Retirement & IRA | |||
| IRA Outgoing Direct Transfer Fee | $30Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Account History/Monthly Statement Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Nov 1, 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 Mccoy Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
16 offices in 1 state (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Orlando, FL | 9 |
| Apopka, FL | 1 |
| Clermont, FL | 1 |
| Kissimmee, FL | 1 |
| Lake Mary, FL | 1 |
| Maitland, FL | 1 |
| Ocoee, FL | 1 |
| Winter Garden, FL | 1 |
Largest competitors nearby
Local market: Orange county, FL, around its headquarters.
| 45 in its local market | Deposit share |
|---|---|
| Truist Bank | 19.8% |
| Bank of America, National Association | 17.5% |
| JPMorgan Chase Bank, National Association | 14.4% |
| Wells Fargo Bank, National Association | 14.1% |
| Regions Bank | 4.7% |
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.