Compared with Virginia
4 of 14
compared fees are above the median.
7 below, 3 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
48th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Virginia median
of 14 compared; 7 below, 3 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for Beach Municipal 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. | Beach Municipal Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.9% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (48th 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 $178K in Q2 2026, 3.8% below the same quarter a year earlier ($185K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 14 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.
Comparison with Virginia medians for fees published by banks and credit unions.
Non-Network ATM
NSF / Returned Item
Wire Transfer (Domestic Out)
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.
Fee income fell 4.3% from Q3 2025 to Q2 2026, to $178K. Its share of revenue, 6.9%, is below the 7.2% median for credit unions with under $300M in assets.
$178K
Beach Municipal 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.
Beach Municipal Federal Credit Union · $195M 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Beach Municipal Federal Credit Union(this institution) | Virginia Beach, VA | $195M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Big Island Federal Credit Union | Hilo, HI | $195M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central Virginia Federal Credit Union | Lynchburg, VA | $198M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coloramo Federal Credit Union | Grand Junction, CO | $196M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Discovery Federal Credit Union | Wyomissing, PA | $193M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Downriver Community Federal Credit Union | Ecorse, MI | $193M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Endurance Federal Credit Union | Duncan, OK | $196M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Central Federal Credit Union | Waco, TX | $192M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Government Employees Federal Credit Union | Austin, TX | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kauai Federal Credit Union | Lihue, HI | $193M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Membersource Federal Credit Union | Houston, TX | $196M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Municipal Employees Credit Union of Oklahoma City | Oklahoma City, OK | $190M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Northeast Community Federal Credit Union | Elizabethton, TN | $194M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Nw Preferred Federal Credit Union | Tigard, OR | $189M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| P & G Mehoopany Employees Federal Credit Union | Tunkhannock, PA | $195M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Polish-American Federal Credit Union | Troy, MI | $195M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Priority Trust Federal Credit Union | Houston, TX | $191M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| River Works Federal Credit Union | Lynn, MA | $193M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Riverfall Federal Credit Union | Tuscaloosa, AL | $194M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Saco Valley Federal Credit Union | Saco, ME | $196M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Schools Federal Credit Union | Torrance, CA | $196M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sentinel Federal Credit Union | Box Elder, SD | $199M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Service 1 Federal Credit Union | Muskegon, MI | $199M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sierra Pacific Federal Credit Union | Reno, NV | $189M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sky Federal Credit Union | Livingston, MT | $197M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| White Eagle Federal Credit Union | Augusta, KS | $199M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $9 among 10 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 Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Beach Municipal 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Beach Municipal 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 | $178K | −$1K | −0.6% |
| Q1 2026 | $179K | −$19K | −9.6% |
| Q4 2025 | $198K | +$12K | +6.5% |
| Q3 2025 | $186K | +$1K | +0.5% |
| Q2 2025 | $185K | +$8K | +4.5% |
| Q1 2025 | $177K | −$17K | −8.8% |
| Q4 2024 | $194K | +$3K | +1.6% |
| Q3 2024 | $191K | +$3K | +1.6% |
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, Beach Municipal 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 Beach Municipal Federal Credit Union by share.
Amounts from Beach Municipal Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per quarter
per hour
per item
per item
per item
per item
per item
per transaction
per item
per item
per item
per item
per item
per item
per page
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Closing (within 90 days of opening) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account | $5Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Reconciliation | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Money Market Account Excessive Withdrawal | $10Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| ACH NSF | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| ATM/Debit Card NSF | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM Cash Advance | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM Withdrawal/Inquiry (Foreign Machine) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Debit Card Replacement Card | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Replacement Card | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Foreign Transaction (audience not stated, treated as personal) | 1%of the transaction | per transaction | None |
Wire Transfers | |||
| Wire Transfer: Domestic | $15Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer: International | $35Below the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier's Check | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| ACH Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Bill Pay Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Copy of Cashier's Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Draft Copy | $3Not compared: Charged per page; comparison unavailable | per page | None |
Digital & Electronic | |||
| Bill Pay Rush Payment: Overnight check payment | $14.95Not compared: Per-item charge, not monthly | per item | None |
| Virtual Branch Bill Pay | $4Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Account Services | |||
| Drill Box Fee | $200Not compared: Box drilling or key fee | Not stated | None |
| Key Replacement Fee | $25Not compared: Box drilling or key fee | per item | None |
Gift & Prepaid Cards | |||
| Visa® Gift Cards | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Interim Statement | $3Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 15, 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 Beach Municipal 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
| Virginia Beach, VA | 2 |
Largest competitors nearby
Local market: Virginia Beach city county, VA, around its headquarters.
| 19 in its local market | Deposit share |
|---|---|
| TowneBank | 30.9% |
| Wells Fargo Bank, National Association | 18.8% |
| Bank of America, National Association | 13.5% |
| Truist Bank | 12.7% |
| PNC Bank, National Association | 5.6% |
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.