Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

P.H.I. Federal Credit Union

Lafayette, LouisianaCredit UnionAtlanta Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Balancing Fee$10Below the typical range ($20–$25 nationally)

Wire TransfersVerified

Incoming Wire Transfer$10Within the typical range ($5–$15 nationally)
At the national median
Source
Outgoing Wire Transfer Domestic$30Above the typical range ($20–$25 nationally)
$5 above the national median
Source
Outgoing Wire Transfer Foreign$55Above the typical range ($40–$50 nationally)
$5 above the national median
Source

Check ServicesVerified

Check Copies$10Above the typical range ($2–$5 nationally)
$7 above the national median
Source
Stop Payment on Credit Union Check$30Within the typical range ($20–$30 nationally)
$3 above the national median
per item · Source
Stop Payments$15Below the typical range ($20–$30 nationally)
$12 below the national median
Source

Account ServicesVerified

Legal Processing Fee$25Below the typical range ($50–$150 nationally)
$75 below the national median
Source
Levy Notice$25Below the typical range ($30–$75 nationally)
$25 below the national median
Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Balancing Fee	$10Below the typical range ($20–$25 nationally)	$15 below the national median	—	—	Source
Checking Account Monthly Fee	$8Within the typical range ($3–$10 nationally)	$2.05 above the national median	per month	—	Source
Dormant Fee	$5Within the typical range ($5–$10 nationally)	At the national median	per month	—	Source
Overdraft & NSFVerified
Insufficient Funds (NSF) Fee	$30Within the typical range ($25–$31.50 nationally)	At the national median	per item	—	Source
ATM & CardVerified
Debit Card Replacement	$5Within the typical range ($5–$10 nationally)	$5 below the national median	—	—	Source
Wire TransfersVerified
Incoming Wire Transfer	$10Within the typical range ($5–$15 nationally)	At the national median	—	—	Source
Outgoing Wire Transfer Domestic	$30
Check ServicesVerified
Check Copies	$10Above the typical range ($2–$5 nationally)	$7 above the national median	—	—	Source
Stop Payment on Credit Union Check	$30
Cash & DepositVerified
Return Deposit Items	$10Within the typical range ($10–$25 nationally)	$5 below the national median	—	—	Source
Account ServicesVerified
Legal Processing Fee	$25Below the typical range ($50–$150 nationally)	$75 below the national median	—	—	Source
Levy Notice	$25
Lending FeesVerified
Late Fee	$10Below the typical range ($11.06–$25 nationally)	$10 below the national median	—	—	Source
Other FeesVerified
Loan Application Fee	$25Within the typical range ($22.50–$35 nationally)	$5 below the national median	—	—	Source

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

NSF fee: $30

NSF fee is aligned with the national median

Total fees: 16 — leaner than most institutions

Headline fees published

8 of 15

Published fees

Under review

Assets

$4.9M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$4.9M

Total deposits

$4.5M

Service charge income (year to date)

$7K

Fee income ratio

5.6%

Return on assets

-0.59%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, and SEC filings

Unlock all 61 fee categories, peer benchmarks by charter, size and district, CSV exports, and the Hamilton workspace.

Based on 39,755 published fee entries from 2,777 institutions

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