Carolinas Telco Federal Credit Union

Headquarters: Charlotte, North Carolina
Charter: Credit Union
Assets: $506.3M
Fed district: Richmond
Regulator: NCUA

Explore Hamilton View published fees

Compared with North Carolina

9 of 18

compared fees are above the median.

4 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
43rd percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the North Carolina median
of 18 compared; 4 below, 5 about the same
See the fees
Fee schedule read Nov 2, 2026

How these figures are measured

Call-report figures are for Carolinas Telco 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 569 credit unions with $300M to $1B 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 North Carolina median	Published fees above the North Carolina median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Carolinas Telco Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Carolinas Telco 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 7.3% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (43rd 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 $585K in Q2 2026, 1.7% below the same quarter a year earlier ($595K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
9 of 18 compared published fees sit above the North Carolina median; 4 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 North Carolina medians for fees published by banks and credit unions.

NSF / Returned Item
Carolinas Telco Federal Credit Union: $35
Carolinas Telco Federal Credit Union: $35
North Carolina median: $2535 publishRichmond district median: $30209 publishU.S. median: $302,858 publish
Overdraft (OD)
Carolinas Telco Federal Credit Union: $35
Carolinas Telco Federal Credit Union: $35
North Carolina median: $2922 publishRichmond district median: $30.50186 publishU.S. median: $302,601 publish
Wire Transfer (Domestic Out)
Carolinas Telco Federal Credit Union: $20
Carolinas Telco Federal Credit Union: $20
North Carolina median: $2031 publishRichmond district median: $20204 publishU.S. median: $252,631 publish

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Carolina, 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).
North Carolina: Banks and credit unions headquartered in North Carolina 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 rose 4.3% from Q3 2025 to Q2 2026, to $585K. Its share of revenue, 7.3%, is below the 7.9% median for credit unions with $300M to $1B in assets.

Fee income, Q2 2026

$585K

$561KQ3 2025

$472KQ4 2025

$449KQ1 2026

$585KQ2 2026

Against the median (NC for fees)

Share of revenue7.3% / 7.9%
Overdraft$35 / $29

Carolinas Telco 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 569 credit unions with $300M to $1B in assets, Q2 2026.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.

Is the lower share a matter of price, waivers, or a different mix of accounts?
Do waivers and balance requirements change what most customers actually pay?
Which fees make up most of fee income, and has that mix changed?

See a free sample report

Among its peers

Carolinas Telco Federal Credit Union · $506M 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
$484M to $529M 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
Carolinas Telco Federal Credit Union(this institution)	Charlotte, NC	$506M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
802 Federal Credit Union	Barre, VT	$508M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Advantage Federal Credit Union	Rochester, NY	$498M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Coastlife Federal Credit Union	Corpus Christi, TX	$520M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Commonwealth One Federal Credit Union	Alexandria, VA	$502M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dirigo Federal Credit Union	Lewiston, ME	$498M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Harvest Federal Credit Union	Deptford, NJ	$484M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Garden Savings Federal Credit Union	Parsippany, NJ	$496M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Holy Rosary Federal Credit Union	Rochester, NH	$508M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Land Of Lincoln Federal Credit Union	Decatur, IL	$499M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Levo Federal Credit Union	Sioux Falls, SD	$516M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Loc Federal Credit Union	Farmington, MI	$485M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Maui County Federal Credit Union	Wailuku, HI	$488M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Memphis City Employees Federal Credit Union	Memphis, TN	$503M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mutual Federal Credit Union	Vicksburg, MS	$529M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Nizari Progressive Federal Credit Union	Sugar Land, TX	$505M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Oucu Financial Credit Union, Inc.	Athens, OH	$527M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Security First Federal Credit Union	Mcallen, TX	$517M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Sunwest Federal Credit Union	Glendale, AZ	$525M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Tampa Bay Federal Credit Union	Tampa, FL	$494M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Teg Federal Credit Union	Poughkeepsie, NY	$507M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Telcoe Federal Credit Union	Little Rock, AR	$503M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Topside Federal Credit Union	Dahlgren, VA	$492M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Trax Federal Credit Union	Tampa, FL	$485M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Valleystar Federal Credit Union	Martinsville, VA	$503M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Westerly Community Federal Credit Union	Wakefield, RI	$520M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Carolinas Telco Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 15 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

Carolinas Telco Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Carolinas Telco Federal C…Peer (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 Carolinas Telco 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: $585K
vs prior quarter: +$136K+30.3%; from Q1 2026
vs a year earlier: −$10K−1.7%; from Q2 2025
vs start of range: +$126K+27.5%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Carolinas Telco 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	$585K	+$136K	+30.3%
Q1 2026	$449K	−$23K	−4.9%
Q4 2025	$472K	−$89K	−15.9%
Q3 2025	$561K	−$34K	−5.7%
Q2 2025	$595K	+$66K	+12.5%
Q1 2025	$529K	+$77K	+17.0%
Q4 2024	$452K	−$7K	−1.5%
Q3 2024	$459K	−$42K	−8.4%

Fee-income share against its size cohort

Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Carolinas Telco Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Carolinas Telco Federal Credit Union: 7.3%
Percentile: 43rd
25th percentile: 5.5%
Median: 7.9%
75th percentile: 11%

Carolinas Telco Federal Credit Union 7.3%Median 7.9%Middle half 5.5% to 10.9%Peers at each share

Find a peer (569)

The 15 closest to Carolinas Telco 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 Carolinas Telco Federal Credit Union’s own schedules, with a source for each figure.

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

Account Maintenance

Account Closure$25
Inside the U.S. middle 50% ($10 to $25 nationally)
Dormant Account Fee$15
Above the U.S. middle 50% ($5 to $10 nationally)
per month
Escheat Fee$75
Above the U.S. middle 50% ($5 to $10 nationally)
Account Reconciliation Fee$20
Not compared: Charged per hour; comparison unavailable
per hour
Incorrect Address Fee$10
Above the U.S. middle 50% ($5 to $7.50 nationally)
per month

Fee	Amount	Basis	Note
Account Maintenance
Account Closure	$25Inside the U.S. middle 50% ($10 to $25 nationally)	Not stated	None
Dormant Account Fee	$15Above the U.S. middle 50% ($5 to $10 nationally)	per month	None
Escheat Fee	$75Above the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Account Reconciliation Fee	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Incorrect Address Fee	$10Above the U.S. middle 50% ($5 to $7.50 nationally)	per month	None
Overdraft & NSF
Courtesy Pay Fee	$35Above the U.S. middle 50% ($25 to $33 nationally)	per item	None
Debit Card Overdraft	$35Above the U.S. middle 50% ($25 to $33 nationally)	per item	None
ACH NSF Fee	$35Above the U.S. middle 50% ($25 to $32 nationally)	per item	None
NSF Fee	$35Above the U.S. middle 50% ($25 to $32 nationally)	per item	None
Returned Item Fee	$35Above the U.S. middle 50% ($25 to $32 nationally)	per item	None
ATM & Card
Card Replacement Fee	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per item	None
Card Rush Fee	$40Inside the U.S. middle 50% ($30 to $50 nationally)	per item	None
Currency Conversion Fee	1%of the transaction	Not stated	None
Currency Conversion Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer Fee - Outgoing	$20Inside the U.S. middle 50% ($20 to $25 nationally)	per item	None
Wire Transfer Fee - Incoming	$10Inside the U.S. middle 50% ($5 to $15 nationally)	per item	None
Check Services
Stop Payment Fee	$30Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Counter Checks	$1Inside the U.S. middle 50% ($1 to $4 nationally)	per item	None
Item Sent for Collection Fee	$10Inside the U.S. middle 50% ($10 to $26 nationally)	per item	None
Check Copies	$2Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Copy of Official Check	$5Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Account Services
Legal Process (tax levies, summons, etc.)	$75Inside the U.S. middle 50% ($30 to $85 nationally)	per item	None
Mortgage Verification of Deposit	$10Inside the U.S. middle 50% ($5 to $15 nationally)	per item	None
Gift & Prepaid Cards
Gift Card Fee	$3Inside the U.S. middle 50% ($3 to $4.95 nationally)	per item	None
Other Fees
Copy of IRS Form	$2Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Statement Copies	$2Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Skip A Payment Fee	$40Above 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

Showing 5 of 27 fees.

Correct a fee source

Nov 2, 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 Carolinas Telco Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

10 offices in 3 states (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

Cities with the most offices

Charlotte, NC	4
Columbia, SC	1
Cornelius, NC	1
Gastonia, NC	1
Greenville, SC	1
Raleigh, NC	1
San Diego, CA	1

Largest competitors nearby

Local market: Mecklenburg county, NC, around its headquarters.

41 in its local market	Deposit share
Bank of America, National Association	71.1%
Truist Bank	19%
Wells Fargo Bank, National Association	5.2%
Fifth Third Bank, National Association	0.9%
PNC Bank, National Association	0.8%

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

Fee change alerts

Carolinas Telco Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Carolinas Telco 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 Carolinas Telco Federal Credit Union changes in our data