Compared with Mississippi
5 of 21
compared fees are above the median.
10 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
99th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Mississippi median
of 21 compared; 10 below, 6 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for Ferguson 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 Mississippi median | Published fees above the Mississippi median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Ferguson Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 26% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (99th 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 $599K in Q2 2026, 215% above the same quarter a year earlier ($190K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 21 compared published fees sit above the Mississippi median; 10 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 Mississippi medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Mississippi, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 17% from Q3 2025 to Q2 2026, to $599K. Its share of revenue, 26%, is above the 7.2% median for credit unions with under $300M in assets.
$599K
Ferguson 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.
Ferguson Federal Credit Union · $94M 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 |
|---|---|---|---|---|---|---|---|
| Ferguson Federal Credit Union(this institution) | Monticello, MS | $94M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Baycel Federal Credit Union | Bay City, TX | $92M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chicago Firefighter'S Federal Credit Union | Chicago, IL | $93M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Christian Family Federal Credit Union | North Canton, OH | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coastal Community Federal Credit Union | Galveston, TX | $93M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Dakota Plains Federal Credit Union | Edgeley, ND | $93M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Family Advantage Federal Credit Union | Spring Hill, TN | $93M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Choice Federal Credit Union | New Castle, PA | $95M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Class Community Federal Credit Union | West Des Moines, IA | $96M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | 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 |
| Freedom United Federal Credit Union | Rochester, PA | $94M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Independent Federal Credit Union | Anderson, IN | $94M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Irco Community Federal Credit Union | Phillipsburg, NJ | $94M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Lower Columbia Longshoremen Federal Credit Union | Longview, WA | $96M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lufthansa Emp. Federal Credit Union | Westbury, NY | $95M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mckesson & Healthcare Providers Federal Credit Union | Martinez, CA | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Choice Wv Federal Credit Union | Charleston, WV | $94M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northwoods Community Federal Credit Union | Park Falls, WI | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Postal & Community Federal Credit Union | Saint Joseph, MO | $95M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Progressions Federal Credit Union | Spokane, WA | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sheboygan Area Federal Credit Union | Sheboygan, WI | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Torrington Municipal And Teachers Federal Credit Union | Torrington, CT | $94M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Transit Employees Federal Credit Union | Greenbelt, MD | $93M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Traverse Catholic Federal Credit Union | Traverse City, MI | $92M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Upward Federal Credit Union | Burlingame, CA | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wnc Community Credit Union | Waynesville, NC | $96M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 8 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.
Monthly maintenance fee in dollars, one mark per institution
Ferguson Federal Credit Union does not publish a monthly maintenance 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 Ferguson 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 | $599K | +$69K | +13.0% |
| Q1 2026 | $530K | +$159K | +42.9% |
| Q4 2025 | $371K | −$143K | −27.8% |
| Q3 2025 | $514K | +$324K | +170.5% |
| Q2 2025 | $190K | −$134K | −41.4% |
| Q1 2025 | $324K | −$92K | −22.1% |
| Q4 2024 | $416K | +$129K | +44.9% |
| Q3 2024 | $287K | −$14K | −4.7% |
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, Ferguson 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 Ferguson Federal Credit Union by share.
Amounts from Ferguson Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per transaction
per month
per item
per item
per item
per item
per transaction
per item
per item
per item
per year
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure (within first 12 months) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Account | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Research/Reconciliation | $100Not compared: Charged per hour; comparison unavailable | per hour | None |
| HYMMA Excessive Withdrawal Fee | $2Below the U.S. middle 50% ($3 to $10 nationally) | per transaction | None |
| Invalid Address | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft/Honor | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item for Insufficient Funds (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Share Overdraft Transfer Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Out-of- Network ATM | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Plastic Replacement (Debit/CC) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| International Transaction Fee | 1%of the transaction | Not stated | None |
| International Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfers – Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Official Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Official Checks/Money Orders (issued by FFCU) Free | No chargeBelow the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order ($1000.00 limit) | $1Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Official Checks/Money Orders (issued by FFCU) Free | No chargeBelow the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| ACH Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per transaction | None |
| Check/Draft Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Revoke Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Starter Checks | $4Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Copy | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Coin Machine | $150Above the U.S. middle 50% ($0 to $2 nationally) | Not stated | None |
| Cash Advance Fee | $10Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Account Services | |||
| Drill Fee | $350Not compared: Box drilling or key fee | Not stated | None |
| Key Replacement | $150Not compared: Box drilling or key fee | per item | None |
| Garnishment/Levies | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Lending Fees | |||
| Loan Late Payment | 4%($25 minimum) | Not stated | None |
| UCC Release | $15Below the U.S. middle 50% ($20.15 to $96.25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Annual Maintenance Fee | $10Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA Closure/Transfer | $10Below the U.S. middle 50% ($25 to $35 nationally) | per item | None |
| IRA Early Withdrawal (if no RMD required) | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
| IRA Early Withdrawal (Within first 6 months) | $100Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy Fee (in branch) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copy Fee (re-mailed) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Loan Application Fee | $15Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Documentation Fee (secured: auto, RV, boat) | $100Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Documentation Fee (unsecured) | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Mortgage Lien Release | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip-A-Pay/Due Date Change | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per transaction
per month
per item
per item
per item
per item
per transaction
per item
per item
per item
per year
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure (within first 12 months) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Account | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Research/Reconciliation | $100Not compared: Charged per hour; comparison unavailable | per hour | None |
| HYMMA Excessive Withdrawal Fee | $2Below the U.S. middle 50% ($3 to $10 nationally) | per transaction | None |
| Invalid Address | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft/Honor | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item for Insufficient Funds (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Share Overdraft Transfer Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Out-of- Network ATM | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Plastic Replacement (Debit/CC) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| International Transaction Fee | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfers – Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Official Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Official Checks/Money Orders (issued by FFCU) Free | No chargeBelow the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order ($1000.00 limit) | $1Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Official Checks/Money Orders (issued by FFCU) Free | No chargeBelow the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| ACH Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per transaction | None |
| Check/Draft Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Revoke Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Starter Checks | $4Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Copy | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Coin Machine | $150Above the U.S. middle 50% ($0 to $2 nationally) | Not stated | None |
| Cash Advance Fee | $10Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Account Services | |||
| Drill Fee | $350Not compared: Box drilling or key fee | Not stated | None |
| Key Replacement | $150Not compared: Box drilling or key fee | per item | None |
| Garnishment/Levies | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Lending Fees | |||
| Loan Late Payment | 4%($25 minimum) | Not stated | None |
| UCC Release | $15Below the U.S. middle 50% ($20.15 to $96.25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Annual Maintenance Fee | $10Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA Closure/Transfer | $10Below the U.S. middle 50% ($25 to $35 nationally) | per item | None |
| IRA Early Withdrawal (if no RMD required) | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
| IRA Early Withdrawal (Within first 6 months) | $100Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy Fee (in branch) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copy Fee (re-mailed) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Loan Application Fee | $15Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Documentation Fee (Business Non-Real Estate) | $150 | Not stated | None |
| Loan Documentation Fee (Business Real Estate) | $250 | Not stated | None |
| Loan Documentation Fee (secured: auto, RV, boat) | $100Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Documentation Fee (unsecured) | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Mortgage Lien Release | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip-A-Pay/Due Date Change | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Oct 16, 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 Ferguson Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
8 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
| Monticello, MS | 3 |
| Columbia, MS | 2 |
| Brookhaven, MS | 1 |
| Magee, MS | 1 |
| Newhebron, MS | 1 |
Largest competitors nearby
Local market: Lawrence county, MS, around its headquarters.
| 3 in its local market | Deposit share |
|---|---|
| First Bank | 41.1% |
| Regions Bank | 39.5% |
| BankPlus | 19.5% |
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.