Fees from its schedule are under review and appear here once review is done.
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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
88th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Apr 21, 2026
Call-report figures are for Solutions First 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 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. | Solutions First Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Apr 21, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 15% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (88th 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 $110K in Q2 2026, 0.9% below the same quarter a year earlier ($111K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Call reports for Solutions First 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 | $110K | +$5K | +4.8% |
| Q1 2026 | $105K | −$7K | −6.3% |
| Q4 2025 | $112K | −$3K | −2.6% |
| Q3 2025 | $115K | +$4K | +3.6% |
| Q2 2025 | $111K | −$4K | −3.5% |
| Q1 2025 | $115K | −$17K | −12.9% |
| Q4 2024 | $132K | +$4K | +3.1% |
| Q3 2024 | $128K | +$5K | +4.1% |
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, Solutions First 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 Solutions First Federal Credit Union by share.
They stay out of every comparison until review is done.
per item · Fee for each additional SFFCU Debit Card requested after the initial issue
per item · Imposed when Credit Union attempts to locate customer; referenced in section 22a; specific amount set forth in Truth-in-Savings Disclosure or Schedule of Fees and Charges
per item · Fee charged if you withdraw from an account while the ATM is not connected to host computer and this withdrawal causes an over withdrawal for which overdraft protection is not available
per item · Fee charged per item if more than six withdrawals or transfers are made in any statement period by pre-authorized, automatic transfer, or telephonic means
one time · Charged when opening an account
per item · Imposed when Credit Union attempts to locate customer; referenced in section 22a; specific amount set forth in Truth-in-Savings Disclosure or Schedule of Fees and Charges
per item · Referenced in section 14 - charged for each overdraft regardless of whether paid or returned; specific amount to be found in Truth-in-Savings Disclosure or Schedule of Fees and Charges
per item · Fee for a replacement debit card due to fraud
per item · Referenced in section 8d regarding items or ACH transfers not receiving final payment; specific amount to be found in Schedule of Fees and Charges
per item · Referenced in section 16c; specific amount set forth in Truth-in-Savings Disclosure or Schedule of Fees and Charges
per item · Maximum liability for unauthorized ATM transactions, Card transactions through non-Visa network, Visa Commercial cards, or cards issued outside US if Credit Union notified within two (2) days after learning of loss or theft
| Fee | Amount | Basis | Note |
|---|---|---|---|
Other feesUnder review | |||
| Additional SFFCU Debit Card Fee (audience not stated, treated as personal) | $15 | per item | Fee for each additional SFFCU Debit Card requested after the initial issue |
| Address Change Service Fee (audience not stated, treated as personal) | Not stated | per item | Imposed when Credit Union attempts to locate customer; referenced in section 22a; specific amount set forth in Truth-in-Savings Disclosure or Schedule of Fees and Charges |
| ATM Overdraft Fee (Non-Connected) (audience not stated, treated as personal) | $30 | per item | Fee charged if you withdraw from an account while the ATM is not connected to host computer and this withdrawal causes an over withdrawal for which overdraft protection is not available |
| Excess Transfer Fee (Money Market Account) (audience not stated, treated as personal) | $30 | per item | Fee charged per item if more than six withdrawals or transfers are made in any statement period by pre-authorized, automatic transfer, or telephonic means |
| Membership fee (audience not stated, treated as personal) | $5 | one time | Charged when opening an account |
| Name Fee (audience not stated, treated as personal) | Not stated | per item | Imposed when Credit Union attempts to locate customer; referenced in section 22a; specific amount set forth in Truth-in-Savings Disclosure or Schedule of Fees and Charges |
| Overdraft Fee (audience not stated, treated as personal) | Not stated | per item | Referenced in section 14 - charged for each overdraft regardless of whether paid or returned; specific amount to be found in Truth-in-Savings Disclosure or Schedule of Fees and Charges |
| Replacement Debit Card Fee (Fraud) (audience not stated, treated as personal) | $5 | per item | Fee for a replacement debit card due to fraud |
| Return Item Charge (audience not stated, treated as personal) | Not stated | per item | Referenced in section 8d regarding items or ACH transfers not receiving final payment; specific amount to be found in Schedule of Fees and Charges |
| Stop Payment Order Fee (audience not stated, treated as personal) | Not stated | per item | Referenced in section 16c; specific amount set forth in Truth-in-Savings Disclosure or Schedule of Fees and Charges |
| Unauthorized Debit Card Transaction Liability (2+ days) (audience not stated, treated as personal) | $50 | per item | Maximum liability for unauthorized ATM transactions, Card transactions through non-Visa network, Visa Commercial cards, or cards issued outside US if Credit Union notified within two (2) days after learning of loss or theft |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Apr 21, 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 Solutions First 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.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Enterprise, AL | 1 |
| Ozark, AL | 1 |
Largest competitors nearby
Local market: Coffee county, AL, around its headquarters.
| 9 in its local market | Deposit share |
|---|---|
| Pinnacle Bank | 27.9% |
| River Bank & Trust | 16.1% |
| Wells Fargo Bank, National Association | 14.9% |
| The Citizens Bank | 14.3% |
| Troy Bank & Trust Company | 12.2% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows