Compared with Alabama
3 of 13
compared fees are above the median.
4 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
90th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Alabama median
of 13 compared; 4 below, 6 about the same
See the feesFee schedule read Oct 14, 2026
Call-report figures are for East Alabama 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 Alabama median | Published fees above the Alabama median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | East Alabama Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 16% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (90th 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 $46K in Q2 2026, 9.8% below the same quarter a year earlier ($51K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 13 compared published fees sit above the Alabama median; 4 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 Alabama medians for fees published by banks and credit unions.
Cashier's Check
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 12% from Q3 2025 to Q2 2026, to $46K. Its share of revenue, 16%, is above the 7.2% median for credit unions with under $300M in assets.
$46K
East Alabama 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.
East Alabama Community Federal Credit Union · $21M 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 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| East Alabama Community Federal Credit Union(this institution) | Opelika, AL | $21M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Acadian Federal Credit Union | Lafayette, LA | $21M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Blue Water Federal Credit Union | Port Huron, MI | $20M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chelsea Employees Federal Credit Union | Chelsea, MA | $21M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community Healthcare Federal Credit Union | Everett, WA | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Crouse Federal Credit Union | Syracuse, NY | $20M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| East Orange Va Hospital Federal Credit Union | East Orange, NJ | $20M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Electrical Workers Local 58 Federal Credit Union | Detroit, MI | $21M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Encentus Federal Credit Union | Tulsa, OK | $21M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hutchinson Government Employees Federal Credit Union | Hutchinson, KS | $20M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Kone Employees Federal Credit Union | Moline, IL | $21M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Lcra Federal Credit Union | Austin, TX | $20M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Le Roy Federal Credit Union | Le Roy, NY | $21M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Locomotive & Control Employees Federal Credit Union | Erie, PA | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Maine Solutions Federal Credit Union | South Portland, ME | $21M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Niagara-Wheatfield Federal Credit Union | Sanborn, NY | $21M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Northern Valley Federal Credit Union | Grand Forks, ND | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Northside Federal Credit Union | Atlanta, GA | $21M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Novo Federal Credit Union | Norco, CA | $21M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Oshkosh Community Federal Credit Union | Oshkosh, WI | $20M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Port Arthur Community Federal Credit Union | Port Arthur, TX | $20M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Railway Employees Federal Credit Union | Muscle Shoals, AL | $21M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Richmond Virginia Fire Police Credi Federal Credit Union | Richmond, VA | $21M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Vincent'S Medical Center Federal Credit Union | Bridgeport, CT | $21M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Temple-Inland Federal Credit Union | Diboll, TX | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Union Pacific Streamliner Federal Credit Union | Omaha, NE | $21M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(out-of-network atm)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1 among 11 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 27, 2026.
Out-of-network ATM fee in dollars, one mark per institution
East Alabama Community Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.
Call reports for East Alabama 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 | $46K | $0 | 0.0% |
| Q1 2026 | $46K | −$5K | −9.8% |
| Q4 2025 | $51K | −$1K | −1.9% |
| Q3 2025 | $52K | +$1K | +2.0% |
| Q2 2025 | $51K | +$1K | +2.0% |
| Q1 2025 | $50K | −$18K | −26.5% |
| Q4 2024 | $68K | −$1K | −1.4% |
| Q3 2024 | $69K | +$1K | +1.5% |
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, East Alabama 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 East Alabama Community Federal Credit Union by share.
Amounts from East Alabama Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per year
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| 120 daysof inactivity | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Share/Share Draft Account Fee | $12Not compared: Annual charge, not monthly | per year | None |
| Account Research/ Reconciliation Fee | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Share Savings Account Excess Withdrawal Fee | $3Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Returned Mail Fee | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft Privilege Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| ATM/Debit Withdrawal NSF Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM/Debit/Chip Card Replacement Fee | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Check Services | |||
| Official Check Fee | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order Fee | $1Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| ACH Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Official Check Stop Payment Fee | $40Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of check | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Garnishment/Levy | $10Below the U.S. middle 50% ($30 to $85.63 nationally) | per item | None |
Gift & Prepaid Cards | |||
| VISA Gift Card Fee | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Statement Copy Fee / Instant Statement | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 14, 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 East Alabama Community 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
| Opelika, AL | 1 |
Largest competitors nearby
Local market: Lee county, AL, around its headquarters.
| 23 in its local market | Deposit share |
|---|---|
| AuburnBank | 20.4% |
| SouthState Bank, National Association | 11.2% |
| FirstBank | 8.6% |
| River Bank & Trust | 8.5% |
| PNC Bank, National Association | 7.8% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
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