N A E Federal Credit Union

Headquarters: Chesapeake, Virginia
Charter: Credit Union
Assets: $125.9M
Fed district: Richmond
Regulator: NCUA

Explore Hamilton View published fees

Compared with Virginia

4 of 16

compared fees are above the median.

7 below, 5 about the same.

About the same: within 1% of the median.

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
69th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Virginia median
of 16 compared; 7 below, 5 about the same
See the fees
Fee schedule read Oct 18, 2026

How these figures are measured

Call-report figures are for N A E 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 Virginia median	Published fees above the Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	N A E Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 18, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: N A E 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 10% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (69th 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 $176K in Q2 2026, 2.9% above the same quarter a year earlier ($171K).
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 Virginia median; 7 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.

Fees against the market

Comparison with Virginia medians for fees published by banks and credit unions.

Non-Network ATM
Compared at $1, the middle of its prices
N A E Federal Credit Union: $0.50 to $5
N A E Federal Credit Union: $0.50 to $5
Virginia median: $1.2548 publishRichmond district median: $1.50144 publishU.S. median: $1.501,648 publish
Overdraft (OD)
Compared at $30, its standard fee, the highest of its prices
N A E Federal Credit Union: $25 to $30
N A E Federal Credit Union: $25 to $30
Virginia median: $3060 publishRichmond district median: $30.50186 publishU.S. median: $302,603 publish
NSF / Returned Item
Compared at $27.50, the middle of its prices
N A E Federal Credit Union: $25 to $30
N A E Federal Credit Union: $25 to $30
Virginia median: $3061 publishRichmond district median: $30209 publishU.S. median: $302,857 publish

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond 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).
Virginia: Banks and credit unions headquartered in Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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 fell 3.3% from Q3 2025 to Q2 2026, to $176K. Its share of revenue, 10%, is above the 7.2% median for credit unions with under $300M in assets.

Fee income, Q2 2026

$176K

$182KQ3 2025

$171KQ4 2025

$182KQ1 2026

$176KQ2 2026

Against the median (VA for fees)

Share of revenue10% / 7.2%
Overdraft$30* / $30
Non‑network ATM$1* / $1.25

N A E 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.

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. *Overdraft: Listed at $25 to $30; we compare the highest. Non-network ATM: Listed at $0.50 to $5; we compare the midpoint.

How much of the higher share comes from how often fees are charged, rather than what they cost?
Which fees make up most of fee income, and has that mix changed?

See a free sample report

Among its peers

N A E Federal Credit Union · $126M 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 18 states.

Credit unions only
$124M to $128M in assets
Headquartered in 18 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
N A E Federal Credit Union(this institution)	Chesapeake, VA	$126M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Adventhealth Federal Credit Union	Altamonte Springs, FL	$125M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Allentown Federal Credit Union	Allentown, PA	$128M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Auburn Community Federal Credit Union	Auburn, NY	$126M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bp Federal Credit Union	Houston, TX	$124M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Brotherhood Federal Credit Union	Lynn, MA	$125M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Coconino Federal Credit Union	Flagstaff, AZ	$126M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Crow Wing Power Federal Credit Union	Brainerd, MN	$126M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Missouri Federal Credit Union	Saint Louis, MO	$125M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Garden Island Federal Credit Union	Lihue, HI	$126M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Illinois State Police Federal Credit Union	Springfield, IL	$127M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ingersoll-Rand Federal Credit Union	Sayre, PA	$124M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kansas Teachers Community Federal Credit Union	Pittsburg, KS	$125M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mutual First Federal Credit Union	Omaha, NE	$125M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Nesc Federal Credit Union	Methuen, MA	$126M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
North Iowa Community Federal Credit Union	Mason City, IA	$128M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Northern Communities Federal Credit Union	Duluth, MN	$124M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
One Source Federal Credit Union	El Paso, TX	$124M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Plus Federal Credit Union	Las Vegas, NV	$126M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
River Valley Federal Credit Union	Ada, MI	$124M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tarrant County'S Credit Union	Fort Worth, TX	$124M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Telco Plus Federal Credit Union	Longview, TX	$124M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Health & Education Federal Credit Union	Lexington, KY	$126M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Tomah Area Federal Credit Union	Tomah, WI	$126M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
United Community Federal Credit Union	Houston, TX	$128M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
United Savings Federal Credit Union	Fargo, ND	$125M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

N A E Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5.50 among 12 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 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

N A E 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 Oct 31, 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 N A E 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: $176K
vs prior quarter: −$6K−3.3%; from Q1 2026
vs a year earlier: +$5K+2.9%; from Q2 2025
vs start of range: −$52K−22.8%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: N A E 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	$176K	−$6K	−3.3%
Q1 2026	$182K	+$11K	+6.4%
Q4 2025	$171K	−$11K	−6.0%
Q3 2025	$182K	+$11K	+6.4%
Q2 2025	$171K	−$1K	−0.6%
Q1 2025	$172K	−$31K	−15.3%
Q4 2024	$203K	−$25K	−11.0%
Q3 2024	$228K	+$54K	+31.0%

Fee-income share against its size cohort

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, N A E Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

N A E Federal Credit Union: 10%
Percentile: 69th
25th percentile: 3.7%
Median: 7.2%
75th percentile: 11%

N A E Federal Credit Union 10.1%Median 7.2%Middle half 3.7% to 11.4%Peers at each share21 above 30%, counted in the last bar

Find a peer (2,932)

The 15 closest to N A E Federal Credit Union by share.

Details

Source: NCUA 5300 call report
Entity: Each credit union, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026), year to date
Measure: Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: Account 131 / (Account 115 + Account 117)

Published fee schedule

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

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Dormant Account Maintenance Fee$12
Above the U.S. middle 50% ($5 to $10 nationally)
Account Balancing & Reconciliation$15
Inside the U.S. middle 50% ($6.44 to $25 nationally)
Account Research & Analyzing Fee$75
Not compared: Charged per hour; comparison unavailable
per hour
Bad Address-no forwarding address$10
Above the U.S. middle 50% ($5 to $7.50 nationally)
per month

Overdraft & NSF

ODP (Overdraft Privilege) Fee$30
Inside the U.S. middle 50% ($25 to $33 nationally)
per item
ODP (Overdraft Privilege) Fee$25
Inside the U.S. middle 50% ($25 to $33 nationally)
per item
ACH-debits reversed due to NSF$30
Inside the U.S. middle 50% ($25 to $32 nationally)
per item
ACH-debits reversed due to NSF$25
Inside the U.S. middle 50% ($25 to $32 nationally)
per item
Insufficient Funds (NSF) Overdrawn Account$30
Inside the U.S. middle 50% ($25 to $32 nationally)
per item
Insufficient Funds (NSF) Overdrawn Account$25
Inside the U.S. middle 50% ($25 to $32 nationally)
per item
Share Draft Returned for Insufficient Funds$30
Inside the U.S. middle 50% ($25 to $32 nationally)
per item
Share Draft Returned for Insufficient Funds$25
Inside the U.S. middle 50% ($25 to $32 nationally)
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant Account Maintenance Fee	$12Above the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Account Balancing & Reconciliation	$15Inside the U.S. middle 50% ($6.44 to $25 nationally)	Not stated	None
Account Research & Analyzing Fee	$75Not compared: Charged per hour; comparison unavailable	per hour	None
Bad Address-no forwarding address	$10Above the U.S. middle 50% ($5 to $7.50 nationally)	per month	None
Overdraft & NSF
ODP (Overdraft Privilege) Fee	$30Inside the U.S. middle 50% ($25 to $33 nationally)	per item	None
ODP (Overdraft Privilege) Fee	$25Inside the U.S. middle 50% ($25 to $33 nationally)	per item	None
ACH-debits reversed due to NSF	$30Inside the U.S. middle 50% ($25 to $32 nationally)	per item	None
ACH-debits reversed due to NSF	$25Inside the U.S. middle 50% ($25 to $32 nationally)	per item	None
Insufficient Funds (NSF) Overdrawn Account	$30Inside the U.S. middle 50% ($25 to $32 nationally)	per item	None
Insufficient Funds (NSF) Overdrawn Account	$25Inside the U.S. middle 50% ($25 to $32 nationally)	per item	None
Share Draft Returned for Insufficient Funds	$30Inside the U.S. middle 50% ($25 to $32 nationally)	per item	None
Share Draft Returned for Insufficient Funds	$25Inside the U.S. middle 50% ($25 to $32 nationally)	per item	None
ATM & Card
ATM Balance Inquiry (foreign ATM)	$0.50Below the U.S. middle 50% ($1 to $2 nationally)	Not stated	None
ATM Withdrawal (foreign ATM)	$1Inside the U.S. middle 50% ($1 to $2 nationally)	Not stated	None
Fraud Claims for foreign ATM	$5Above the U.S. middle 50% ($1 to $2 nationally)	Not stated	None
Credit Card, ATM/Debit Card-Replacement Initial Credit & ATM/Debit cards	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per item	None
Wire Transfers
Domestic Wire Transfers (outgoing) [International wires not available]	$20Below the U.S. middle 50% ($40 to $50 nationally)	Not stated	None
Check Services
Cashier’s Check – after 1st within a 24 hour period, and after the third within the month	$5Inside the U.S. middle 50% ($3 to $6 nationally)	Not stated	None
ACH-Stop Payments	$30Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
ACH-Stop Payments	$25Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Share Draft Stop Payment	$30Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Digital & Electronic
Bill Pay	No chargeInside the U.S. middle 50% ($0 to $6 nationally)	Not stated	None
Bill Pay, Checking accounts, Credit Card Annual Fee, e-Statements, Home-branching	No chargeNot compared: Annual charge, not monthly	per year	None
Cash & Deposit
Credit Card – Cash Advance fee - Members	No chargeBelow the U.S. middle 50% ($2 to $10 nationally)	Not stated	None
Account Services
Annual rental 10 x 10	$90Above the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Annual rental 3 x 10	$40Inside the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Annual rental 3 x 5	$25Below the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Annual rental 5 x 10	$60Inside the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Lending Fees
Credit Card – Check returned for non-payment (See details for Credit Card – Late payment fee)	$30Above the U.S. middle 50% ($15 to $25 nationally)	Not stated	None
Credit Card – Late payment fee	$28Above the U.S. middle 50% ($15 to $25 nationally)	Not stated	None
Gift & Prepaid Cards
Gift Card (Non-reloadable)	$3.95Inside the U.S. middle 50% ($3 to $4.95 nationally)	per item	None
Other Fees
Fax Service Local Fax Service Long Distance	$1Below the U.S. middle 50% ($2 to $5 nationally)	per item	None
Monthly or Interim Statement	$1Not compared: Charged per page; comparison unavailable	per page	None

Showing 5 of 33 fees.

Correct a fee source

Oct 18, 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.

Branches and public record

Where N A E Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

4 offices in 2 states (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

Cities with the most offices

Chesapeake, VA	3
Philadelphia, PA	1

Largest competitors nearby

Local market: Chesapeake city county, VA, around its headquarters.

12 in its local market	Deposit share
TowneBank	36%
Wells Fargo Bank, National Association	24.3%
Truist Bank	13.8%
Bank of America, National Association	10.1%
Atlantic Union Bank	6.5%

Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.

Fee change alerts

N A E Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

N A E Federal Credit Union does not publish a monthly maintenance fee in the index.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at N A E Federal Credit Union changes in our data

N A E Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

N A E Federal Credit Union does not publish a monthly maintenance fee in the index.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at N A E Federal Credit Union changes in our data