Platinum Federal Credit Union

Headquarters: Duluth, Georgia
Charter: Credit Union
Assets: $412.6M
Fed district: Atlanta
Regulator: NCUA

19 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 19, 2026.

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 19, 2026

How these figures are measured

Call-report figures are for Platinum 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Platinum Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 19, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Platinum 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 $1.1M in Q2 2026, about level with the same quarter a year earlier ($1.1M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $2.48, the middle of its prices
Platinum Federal Credit Union: $0 to $4.95
Platinum Federal Credit Union: $0 to $4.95
U.S. median: no median
Overdraft (OD)
Platinum Federal Credit Union: $28
Platinum Federal Credit Union: $28
U.S. median: no median
NSF / Returned Item
Platinum Federal Credit Union: $28
Platinum Federal Credit Union: $28
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta 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).
Georgia: Banks and credit unions headquartered in Georgia that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 fell 3.3% from Q3 2025 to Q2 2026, to $1.1M.

Fee income, Q2 2026

$1.1M

$1.1MQ3 2025

$995KQ4 2025

$1.1MQ1 2026

$1.1MQ2 2026

Against the median

Platinum 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.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Platinum Federal Credit Union · $413M 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
$401M to $423M 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
Platinum Federal Credit Union(this institution)	Duluth, GA	$413M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
1St Community Federal Credit Union	San Angelo, TX	$422M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Acadia Federal Credit Union	Fort Kent, ME	$413M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Alliance Federal Credit Union	Fenton, MO	$423M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ancorum Federal Credit Union	Bath, ME	$402M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ashland Federal Credit Union	Ashland, KY	$412M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Avenir Financial Federal Credit Union	Yuma, AZ	$401M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Carolina Trust Federal Credit Union	Myrtle Beach, SC	$422M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cdc Federal Credit Union	Atlanta, GA	$414M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Co-Op Credit Union of Montevideo	Montevideo, MN	$423M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Coosa Pines Federal Credit Union	Childersburg, AL	$421M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Eagle Community Federal Credit Union	Lake Forest, CA	$409M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Community Credit Union of Beloit	Beloit, WI	$410M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Glendale Area Schools Federal Credit Union	Glendale, CA	$422M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Honolulu Federal Credit Union	Honolulu, HI	$423M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Houston Texas Fire Fighters Federal Credit Union	Houston, TX	$401M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Monroe Community Federal Credit Union	Monroe, MI	$406M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nymeo Federal Credit Union	Frederick, MD	$409M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Ocean Financial Federal Credit Union	Oceanside, NY	$403M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Park View Federal Credit Union	Harrisonburg, VA	$410M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Partnership Financial Federal Credit Union	Morton Grove, IL	$403M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Popa Federal Credit Union	Cerritos, CA	$405M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Signature Federal Credit Union	Alexandria, VA	$421M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Streator Onized Federal Credit Union	Streator, IL	$423M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Yolo Federal Credit Union	Woodland, CA	$412M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Zing Credit Union	Denver, CO	$406M	Publishes Monthly maintenance	Publishes Out-of-network ATM	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.

Fee type

Peer pricing snapshot

Monthly maintenance is $5.76 (70%) below the median of similar-sized credit unions.

Compared at $2.48, the middle of its two prices, against a peer median of $8.23 among 14 publishing peers.

Its two checking prices are $0 and $4.95.

$2.48 is a comparison price, not a fee anyone is charged.

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

Platinum Federal Credit U…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

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.

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 Platinum 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: $1.1M
vs prior quarter: −$65K−5.7%; from Q1 2026
vs a year earlier: −$3K−0.3%; from Q2 2025
vs start of range: −$23K−2.1%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Platinum 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	$1.1M	−$65K	−5.7%
Q1 2026	$1.1M	+$146K	+14.7%
Q4 2025	$995K	−$118K	−10.6%
Q3 2025	$1.1M	+$34K	+3.2%
Q2 2025	$1.1M	+$65K	+6.4%
Q1 2025	$1.0M	−$22K	−2.1%
Q4 2024	$1.0M	−$63K	−5.7%
Q3 2024	$1.1M	+$83K	+8.2%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Platinum Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly FeeNo charge
per month
Platinum Rewards Checking Account Monthly Fee$4.95
per month
Dormant Account Fee (after 12 months of no activity)$5
per month
Account Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Withdrawals in excess of six per month$1
per item
Returned Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Discretionary Overdraft Privilege$28
per item
Nonsufficient funds fee (audience not stated, treated as personal)$28
per item

ATM & Card

Replacement card fee (audience not stated, treated as personal)$5
per item

Wire Transfers

Outgoing Domestic Wire Transfer$15
per item
Incoming Domestic Wire Transfer$5
per item
Outgoing International Wire Transfer$34.99
per item
Incoming International Wire Transfer$15
per item

Check Services

Cashier's Check Fee$5
per item
Certified Mail (Documents, Check, Cashier's Check, etc.)$5
per item
Stop Payment Fee$28
per item
Counter Checks$1
per item
Deposit/Paid Check Copy$2
per item
E-Statement with Check ImagesNo charge

Digital & Electronic

Check/ACH Return Fee (NSF Fee)$28
per item
Bill PayNo charge

Cash & Deposit

Deposit Item Return$5
per item
Loan Deposit Return Fee$28
per item

Account Services

Levy/Garnishment$25

Other Fees

Interim Statement Fee$5
Statement Reprint Fee$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	No charge	per month	None
Platinum Rewards Checking Account Monthly Fee	$4.95	per month	None
Dormant Account Fee (after 12 months of no activity)	$5	per month	None
Account Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Withdrawals in excess of six per month	$1	per item	None
Returned Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Discretionary Overdraft Privilege	$28	per item	None
Nonsufficient funds fee (audience not stated, treated as personal)	$28	per item	None
ATM & Card
Replacement card fee (audience not stated, treated as personal)	$5	per item	None
Wire Transfers
Outgoing Domestic Wire Transfer	$15	per item	None
Incoming Domestic Wire Transfer	$5	per item	None
Outgoing International Wire Transfer	$34.99	per item	None
Incoming International Wire Transfer	$15	per item	None
Check Services
Cashier's Check Fee	$5	per item	None
Certified Mail (Documents, Check, Cashier's Check, etc.)	$5	per item	None
Stop Payment Fee	$28	per item	None
Counter Checks	$1	per item	None
Deposit/Paid Check Copy	$2	per item	None
E-Statement with Check Images	No charge	Not stated	None
Digital & Electronic
Check/ACH Return Fee (NSF Fee)	$28	per item	None
Bill Pay	No charge	Not stated	None
Cash & Deposit
Deposit Item Return	$5	per item	None
Loan Deposit Return Fee	$28	per item	None
Account Services
Levy/Garnishment	$25	Not stated	None
Other Fees
Interim Statement Fee	$5	Not stated	None
Statement Reprint Fee	$5	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

Correct a fee source

Oct 19, 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.

Fee change alerts

Get an email when Platinum Federal Credit Union's cashier's check changes in our data

We check once a day and send one email covering every change.