Etma Federal Credit Union

Headquarters: Louisville, Tennessee
Charter: Credit Union
Assets: $31.5M
Fed district: Atlanta
Regulator: NCUA

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

Source: its fee schedule, read Oct 11, 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 11, 2026

How these figures are measured

Call-report figures are for Etma 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.	Etma Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 11, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Etma 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 $70K in Q2 2026, 27% above the same quarter a year earlier ($55K).
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.

Overdraft (OD)
Etma Federal Credit Union: $35
Etma Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Etma Federal Credit Union: $35
Etma Federal Credit Union: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Etma Federal Credit Union: $25
Etma Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Tennessee, 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).
Tennessee: Banks and credit unions headquartered in Tennessee 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 rose 37% from Q3 2025 to Q2 2026, to $70K.

Fee income, Q2 2026

$70K

$51KQ3 2025

$51KQ4 2025

$50KQ1 2026

$70KQ2 2026

Against the median

Etma 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

Etma Federal Credit Union · $31M 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 22 states.

Credit unions only
$30M to $33M in assets
Headquartered in 22 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
Etma Federal Credit Union(this institution)	Louisville, TN	$31M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Baldwin County Federal Credit Union	Bay Minette, AL	$32M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Camp Shelby Federal Credit Union	Hattiesburg, MS	$32M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Capstone Federal Credit Union	Aliso Viejo, CA	$32M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cheyenne-Laramie County Employees Federal Credit Union	Cheyenne, WY	$32M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cincinnati Interagency Federal Credit Union	Cincinnati, OH	$31M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Financial Services Federal Credit Union	Roselle, NJ	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cusa Federal Credit Union	Covington, LA	$31M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
De Soto Mo Pac Federal Credit Union	De Soto, MO	$31M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Faith Connection Federal Credit Union	Marietta, GA	$32M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gates Chili Federal Credit Union	Rochester, NY	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Gateway Federal Credit Union	Springfield, OR	$31M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Greenwich Municipal Employees Federal Credit Union	Greenwich, CT	$33M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Huntington C & O Railway Employees Federal Credit Union	Huntington, WV	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
K.U.M.C. Federal Credit Union	Shawnee, KS	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Kenowa Community Federal Credit Union	Wyoming, MI	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Lynchburg Municipal Employees Federal Credit Union	Lynchburg, VA	$31M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Meridian Mississippi Ang Federal Credit Union	Meridian, MS	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mills42 Federal Credit Union	Lowell, MA	$32M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Neighborhood Community Federal Credit Union	Omaha, NE	$31M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pagoda Federal Credit Union	Reading, PA	$33M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Questa Federal Credit Union	Questa, NM	$33M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Taupa Lithuanian Federal Credit Union	South Boston, MA	$32M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Tennessee Employees Federal Credit Union	Nashville, TN	$31M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The Infirmary Federal Credit Union	Mobile, AL	$33M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Up Federal Credit Union	North Little Rock, AR	$32M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	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.

Fee type

Peer pricing snapshot

Etma Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $3 among 9 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 Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

Etma Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Etma Federal Credit UnionPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 4, 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 Etma 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: $70K
vs prior quarter: +$20K+40.0%; from Q1 2026
vs a year earlier: +$15K+27.3%; from Q2 2025
vs start of range: +$19K+37.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Etma 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	$70K	+$20K	+40.0%
Q1 2026	$50K	−$1K	−2.0%
Q4 2025	$51K	$0	0.0%
Q3 2025	$51K	−$4K	−7.3%
Q2 2025	$55K	−$4K	−6.8%
Q1 2025	$59K	−$2K	−3.3%
Q4 2024	$61K	+$10K	+19.6%
Q3 2024	$51K	−$1K	−1.9%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Early Account Closure Fee$5
Dormant Account Fee$5
per month
Account Reconciliation Fee$15
Not compared: Charged per hour; comparison unavailable
per hour
Incorrect Address Fee (after 2 stmts returned undeliverable)$5
per month

Overdraft & NSF

Courtesy Pay Fee$35
per item
NSF Fee$35
per item

ATM & Card

ATM Withdrawal Fee (Classic and CU Succeed)$1
Not compared: Monthly charge, not per item
per month
Debit Card Replacement Fee$7.50
Visa Card Replacement Fee$7.50

Wire Transfers

Wire Transfers (In or Out) USA$25
per item
Wire Transfers (In or Out) International$50
per item

Check Services

Certified/Cashier's Check - free 5/mo with Mbr Rewards$4
per item
Certified/Cashier's Check for Non-Members$5
per item
Stop Payment Fee$30
per item
Starter Checks 4 per member-free then$1
per item
Check Copy Fee$2
per item

Cash & Deposit

Non ETMA Visa Card Cash Advance$5

Account Services

Subordination Fee$50
Temporary Lien Fee$10
per item

Lending Fees

Late Fee on Loans (audience not stated, treated as personal)5%($5 minimum)

Other Fees

Statement Copies$2
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure Fee	$5	Not stated	None
Dormant Account Fee	$5	per month	None
Account Reconciliation Fee	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Incorrect Address Fee (after 2 stmts returned undeliverable)	$5	per month	None
Overdraft & NSF
Courtesy Pay Fee	$35	per item	None
NSF Fee	$35	per item	None
ATM & Card
ATM Withdrawal Fee (Classic and CU Succeed)	$1Not compared: Monthly charge, not per item	per month	None
Debit Card Replacement Fee	$7.50	Not stated	None
Visa Card Replacement Fee	$7.50	Not stated	None
Wire Transfers
Wire Transfers (In or Out) USA	$25	per item	None
Wire Transfers (In or Out) International	$50	per item	None
Check Services
Certified/Cashier's Check - free 5/mo with Mbr Rewards	$4	per item	None
Certified/Cashier's Check for Non-Members	$5	per item	None
Stop Payment Fee	$30	per item	None
Starter Checks 4 per member-free then	$1	per item	None
Check Copy Fee	$2	per item	None
Cash & Deposit
Non ETMA Visa Card Cash Advance	$5	Not stated	None
Account Services
Subordination Fee	$50	Not stated	None
Temporary Lien Fee	$10	per item	None
Lending Fees
Late Fee on Loans (audience not stated, treated as personal)	5%($5 minimum)	Not stated	None
Other Fees
Statement Copies	$2Not compared: Monthly charge, not per item	per month	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 11, 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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