Compared with Arkansas
5 of 16
compared fees are above the median.
4 below, 7 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
50th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Arkansas median
of 16 compared; 4 below, 7 about the same
See the feesFee schedule read Oct 29, 2026
Call-report figures are for White County 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 Arkansas median | Published fees above the Arkansas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | White County Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 29, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.2% of revenue, about the same as the 7.2% median of 2,932 credit unions with under $300M in assets (50th percentile). About the same: within 1% of the median.
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $18K in Q2 2026, 25% below the same quarter a year earlier ($24K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 16 compared published fees sit above the Arkansas 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.
Comparison with Arkansas medians for fees published by banks and credit unions.
Non-Network ATM
NSF / Returned Item
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Arkansas, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 18% from Q3 2025 to Q2 2026, to $18K. Its share of revenue, 7.2%, is about the same as the 7.2% median for credit unions with under $300M in assets.
$18K
White County 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.
White County Federal Credit Union · $17M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| White County Federal Credit Union(this institution) | Searcy, AR | $17M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| 1166 Federal Credit Union | Swedesboro, NJ | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Academic Employees Federal Credit Union | Columbia, MO | $17M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Anmed Federal Credit Union | Anderson, SC | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Bayou Community Federal Credit Union | Saint Gabriel, LA | $18M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Berkeley Community Federal Credit Union | Moncks Corner, SC | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cadets Federal Credit Union | Elma, NY | $18M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Cbi Federal Credit Union | Plainfield, IL | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Clifty Creek Employees Federal Credit Union | Madison, IN | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cm Members Federal Credit Union | Columbus, MS | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farm Credit Employees Federal Credit Union | Saint Paul, MN | $17M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fontana Federal Credit Union | Fontana, CA | $17M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Gallup Federal Credit Union | Omaha, NE | $16M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Gateway Federal Credit Union | Clarksville, TN | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hema Federal Credit Union | Silver Spring, MD | $17M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Jefferson County Teachers Federal Credit Union | Monticello, FL | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Lithium Federal Credit Union | Bessemer City, NC | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Local Union 392 Federal Credit Union | Cincinnati, OH | $18M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Long Island Alliance Federal Credit Union | Hauppauge, NY | $17M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| One South Federal Credit Union | Natchez, MS | $17M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Ottawa Hiway Federal Credit Union | Ottawa, IL | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Palace City Federal Credit Union | Mitchell, SD | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Parthenon Federal Credit Union | Nashville, TN | $17M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Skyline Federal Credit Union | Nashville, TN | $17M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Spokane Media Federal Credit Union | Spokane, WA | $17M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Varex Federal Credit Union | Salt Lake City, UT | $16M | 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 · 13 publish this fee(domestic wire)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $20 among 13 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 30, 2026.
Domestic wire fee in dollars, one mark per institution
White County Federal Credit Union does not publish a domestic wire 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 30, 2026. Total assets from FDIC and NCUA records.
Call reports for White County 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 | $18K | −$3K | −14.3% |
| Q1 2026 | $21K | −$2K | −8.7% |
| Q4 2025 | $23K | +$1K | +4.5% |
| Q3 2025 | $22K | −$2K | −8.3% |
| Q2 2025 | $24K | −$2K | −7.7% |
| Q1 2025 | $26K | +$1K | +4.0% |
| Q4 2024 | $25K | +$1K | +4.2% |
| Q3 2024 | $24K | +$2K | +9.1% |
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, White County 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 White County Federal Credit Union by share.
Amounts from White County Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per quarter
per hour
per hour
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Accounts | $25Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Reconciliation | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Mail or Fax Request | $5Below the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Returned Mail Fee | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| ACH NSF | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Draft NSF | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Nonsufficient funds fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Item Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM Out of Network Transaction | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Plastic Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Replacement card fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Check Services | |||
| Credit Union Official Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing Fee for Non-Members | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Collection Fee | $100Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposit Return Item | $30Above the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service Fee | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Levy/Garnishment Request | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Loan Late Fee | $35Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Vehicle Registration or UCC Filing Fee | $25Inside the U.S. middle 50% ($20.15 to $96.25 nationally) | Not stated | None |
Other Fees | |||
| Fax Fee for Non-Members | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Loan Extension/Holiday Skip Payment | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Loan Processing Fee | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Oct 29, 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 White County Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Searcy, AR | 1 |
Largest competitors nearby
Local market: White county, AR, around its headquarters.
| 11 in its local market | Deposit share |
|---|---|
| First Security Bank | 51.7% |
| First Community Bank | 19% |
| Centennial Bank | 7.2% |
| Regions Bank | 6.5% |
| Simmons Bank | 5.8% |
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.