Compared with North Carolina
2 of 14
compared fees are above the median.
7 below, 5 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 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the North Carolina median
of 14 compared; 7 below, 5 about the same
See the feesFee schedule read Oct 7, 2026
Call-report figures are for Allegacy 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 452 credit unions with $1B to $10B 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. | Allegacy Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 7, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 21% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B 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 $10.8M in Q2 2026, 16% above the same quarter a year earlier ($9.3M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 14 compared published fees sit above the North Carolina 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 North Carolina medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $0.75, the middle of its prices
Monthly Maintenance
Wire Transfer (Domestic Out)
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.
Fee income rose 4.9% from Q3 2025 to Q2 2026, to $10.8M. Its share of revenue, 21%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$10.8M
Allegacy 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Non-network ATM: Listed at $0.50 to $1; we compare the midpoint.
Allegacy Federal Credit Union · $2.6B 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Allegacy Federal Credit Union(this institution) | Winston Salem, NC | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| A+ Federal Credit Union | Austin, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Aberdeen Proving Ground Federal Credit Union | Aberdeen, MD | $2.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Altura Federal Credit Union | Riverside, CA | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Andrews Federal Credit Union | Suitland, MD | $2.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Austin Telco Federal Credit Union | Austin, TX | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Barksdale Federal Credit Union | Barksdale Afb, LA | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Connecticut State Employees Federal Credit Union | Hartford, CT | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Credit Union of Colorado, A | Denver, CO | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Credit Union of Texas | Allen, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Dow Federal Credit Union | Midland, MI | $2.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Elements Financial Federal Credit Union | Indianapolis, IN | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Elga Federal Credit Union | Grand Blanc, MI | $2.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Firefighters First Federal Credit Union | Los Angeles, CA | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Georgia United Federal Credit Union | Duluth, GA | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hawaiiusa Federal Credit Union | Honolulu, HI | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hughes Federal Credit Union | Tucson, AZ | $2.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jsc Federal Credit Union | Houston, TX | $2.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Kemba Financial Federal Credit Union | Gahanna, OH | $2.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kitsap Federal Credit Union | Bremerton, WA | $2.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| L & N Federal Credit Union | Louisville, KY | $2.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| South Carolina Federal Credit Union | North Charleston, SC | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Texans Federal Credit Union | Richardson, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Together Federal Credit Union | Saint Louis, MO | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ttcu Federal Credit Union | Tulsa, OK | $2.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Workers Federal Credit Union | Littleton, MA | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $3, against a peer median of $8 among 14 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 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Allegacy 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 | $10.8M | +$605K | +6.0% |
| Q1 2026 | $10.1M | −$854K | −7.8% |
| Q4 2025 | $11.0M | +$748K | +7.3% |
| Q3 2025 | $10.3M | +$956K | +10.3% |
| Q2 2025 | $9.3M | +$119K | +1.3% |
| Q1 2025 | $9.2M | −$427K | −4.4% |
| Q4 2024 | $9.6M | +$489K | +5.4% |
| Q3 2024 | $9.1M | +$712K | +8.5% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Allegacy 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 Allegacy Federal Credit Union by share.
Amounts from Allegacy Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive/Dormant Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Returned Mail | $2Below the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
ATM & Card | |||
| ATM Inquiry: Non-Allegacy owned ATMs | $0.50Below the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Withdrawal / Transfer: Non-Allegacy owned ATMs | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Plastic Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Plastic Card Replacement - Rush Request | $35Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Foreign Transaction Fee | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire transfers: Outgoing Domestic In Person | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire transfers: Outgoing Domestic Online | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Fee | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire transfers: Outgoing International Online | $35Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Teller Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Item Sent for Collection: N/A | $5Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Digital & Electronic | |||
| Insufficent Funds Item (Paid): Member's check or ACH item is returned unpaid when account balance does not have suffici | $29Inside the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
Account Services | |||
| Levies and Garnishment: N/A | $65Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of Deposit: N/A | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Oct 7, 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 Allegacy Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
29 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
| Winston Salem, NC | 11 |
| Charlotte, NC | 2 |
| Clemmons, NC | 2 |
| Greensboro, NC | 2 |
| Kernersville, NC | 2 |
| Advance, NC | 1 |
| Belmont, NC | 1 |
| High Point, NC | 1 |
Largest competitors nearby
Local market: Forsyth and Davidson counties, NC, around its headquarters.
| 27 in its local market | Deposit share |
|---|---|
| Truist Bank | 28.5% |
| Wells Fargo Bank, National Association | 18.7% |
| Pinnacle Bank | 9.3% |
| First National Bank of Pennsylvania | 8% |
| Bank of America, National Association | 7% |
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.