Compared with Louisiana
4 of 16
compared fees are above the median.
5 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
75th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Louisiana median
of 16 compared; 5 below, 7 about the same
See the feesFee schedule read Oct 10, 2026
Call-report figures are for Bayou Community 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 Louisiana median | Published fees above the Louisiana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Bayou Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 10, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 11% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (75th 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 $21K in Q2 2026, 48% below the same quarter a year earlier ($40K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 16 compared published fees sit above the Louisiana median; 5 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 Louisiana medians for fees published by banks and credit unions.
Monthly Maintenance
Simply Free Checking $5 · Deluxe Checking $6 · Premier Checking $8 · Second Chance Checking Accounts $10
Compared at $7, the middle of its prices
Wire Transfer (Domestic Out)
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Louisiana, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 46% from Q3 2025 to Q2 2026, to $21K. Its share of revenue, 11%, is above the 7.2% median for credit unions with under $300M in assets.
$21K
Bayou Community 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. *Monthly maintenance: Listed at $5 to $10; we compare the midpoint.
Bayou Community Federal Credit Union · $18M in assets
Banks and credit unions in the Baton Rouge, LA metro
Banks and credit unions with branches in the Baton Rouge, LA metro: the local competitors for deposits and customers. They range from $5M to $4.1T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Bayou Community Federal Credit Union(this institution) | Saint Gabriel, LA | $18M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ascension Federal Credit Union | Gonzales, LA | $108M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| b1BANK | Baton Rouge, LA | $8.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of St. Francisville | Saint Francisville, LA | $399M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Zachary | Zachary, LA | $416M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Baton Rouge City Parish Emp Federal Credit Union | Baton Rouge, LA | $58M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Baton Rouge Telco Federal Credit Union | Baton Rouge, LA | $458M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Breco Federal Credit Union | Baton Rouge, LA | $51M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Campus Federal Credit Union | Baton Rouge, LA | $936M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Capital One, National Association | McLean, VA | $662.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Citizens Bank & Trust Company | Plaquemine, LA | $481M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Concordia Bank & Trust Company | Vidalia, LA | $667M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cottonport Bank | Cottonport, LA | $582M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| East Baton Rouge Teachers Federal Credit Union | Baton Rouge, LA | $5M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Efcu Financial Federal Credit Union | Baton Rouge, LA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Essential Federal Credit Union | Baton Rouge, LA | $434M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| FIDELITY BANK | New Orleans, LA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First American Bank and Trust | Vacherie, LA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Guaranty Bank | Hammond, LA | $3.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Horizon Bank | Memphis, TN | $84.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First National Bank of Louisiana | Crowley, LA | $631M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Formation Federal Credit Union | Baton Rouge, LA | $93M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Geismar Complex Federal Credit Union | Geismar, LA | $45M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gp Louisiana Federal Credit Union | Zachary, LA | $66M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Guaranty Bank and Trust Company | New Roads, LA | $319M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gulf Coast Bank and Trust Company | New Orleans, LA | $3.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hancock Whitney Bank | Gulfport, MS | $36.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Home Bank, National Association | Lafayette, LA | $3.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Iberville Federal Credit Union | Plaquemine, LA | $9M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| JPMorgan Chase Bank, National Association | Columbus, OH | $4.1T | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Les Federal Credit Union | Baton Rouge, LA | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Neighbors Federal Credit Union | Baton Rouge, LA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Onpath Federal Credit Union | Metairie, LA | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pelican Federal Credit Union | Baton Rouge, LA | $885M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Regions Bank | Birmingham, AL | $159.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Renasant Bank | Tupelo, MS | $27B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southern Teachers & Parents Federal Credit Union | Baton Rouge, LA | $29M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Huntington National Bank | Columbus, OH | $283.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Mississippi Bank | Natchez, MS | $561M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Woodforest National Bank | The Woodlands, TX | $9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wymar Federal Credit Union | Geismar, LA | $165M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
40 peers selected · 25 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7, the middle of its four prices, against a peer median of $10 among 25 publishing peers.
Its four checking prices are $5, $6, $8 and $10.
$7 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 2, 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.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Bayou Community 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 | $21K | −$37K | −63.8% |
| Q1 2026 | $58K | +$15K | +34.9% |
| Q4 2025 | $43K | +$4K | +10.3% |
| Q3 2025 | $39K | −$1K | −2.5% |
| Q2 2025 | $40K | $0 | 0.0% |
| Q1 2025 | $40K | −$2K | −4.8% |
| Q4 2024 | $42K | +$2K | +5.0% |
| Q3 2024 | $40K | +$3K | +8.1% |
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, Bayou Community 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 Bayou Community Federal Credit Union by share.
Amounts from Bayou Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month · Waived if Direct deposit into Deluxe Checking Enrolled in e-Statements Minimum of 15 debit card transactions posted/month
per month
per month · Waived if Direct deposit into Premier Checking Enrolled in e-Statements Minimum of 20 debit card transactions posted/month
per month · Waived if Direct deposit into Simply Free Checking Enrolled in e-Statements 19 years old and under 55 years old and above
per month
per quarter
per month
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Deluxe Checking Monthly service charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | Waived if Direct deposit into Deluxe Checking Enrolled in e-Statements Minimum of 15 debit card transactions posted/month |
| Monthly service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Premier Checking Monthly service charge | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | Waived if Direct deposit into Premier Checking Enrolled in e-Statements Minimum of 20 debit card transactions posted/month |
| Simply Free Checking Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | Waived if Direct deposit into Simply Free Checking Enrolled in e-Statements 19 years old and under 55 years old and above |
| Service Charge (balance falls below $1,000) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Closure Fee | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Fee | $5Not compared: Quarterly charge, not monthly | per quarter | None |
| Inactive Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Excessive Withdrawal Fee | $2Below the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Overdraft Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Debit Card | $20Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Card Rush (3-4 days) | $15Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer Fee | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Member or Non-Member Official Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $28Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Copy of Draft | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Item Returned | $28Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Lending Fees | |||
| Late Payment | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa® Gift Cards (non-reloadable): Member | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
| Visa® Gift Cards (non-reloadable): Non-Member | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Document Copy | $15Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 10, 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 Bayou Community Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Carville, LA | 1 |
| Saint Gabriel, LA | 1 |
Largest competitors nearby
Local market: Iberville parish, LA, around its headquarters.
| 7 in its local market | Deposit share |
|---|---|
| Citizens Bank & Trust Company | 26.6% |
| Plaquemine Bank & Trust Company | 25.4% |
| Renasant Bank | 19.6% |
| Anthem Bank & Trust | 13.1% |
| The Bank of Commerce | 9.7% |
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.