Compared with North Carolina
5 of 20
compared fees are above the median.
4 below, 11 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
90th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the North Carolina median
of 20 compared; 4 below, 11 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Skyla 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. | Skyla 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
Fee income was 12% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (90th 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 $4.0M in Q2 2026, 8.5% above the same quarter a year earlier ($3.7M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 20 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.
Comparison with North Carolina medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Non-Network ATM
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 3.7% from Q3 2025 to Q2 2026, to $4.0M. Its share of revenue, 12%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$4.0M
Skyla 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.
Skyla Federal Credit Union · $1.7B 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 |
|---|---|---|---|---|---|---|---|
| Skyla Federal Credit Union(this institution) | Charlotte, NC | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Aloha Pacific Federal Credit Union | Honolulu, HI | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Collins Community Federal Credit Union | Cedar Rapids, IA | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Credit Union 1 | Anchorage, AK | $1.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Dade County Federal Credit Union | Sweetwater, FL | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Datcu Federal Credit Union | Denton, TX | $1.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Financial Plus Federal Credit Union | Flint, MI | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Community Federal Credit Union | Jamestown, ND | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Firstlight Federal Credit Union | El Paso, TX | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Frontwave Federal Credit Union | Oceanside, CA | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Greater Nevada Federal Credit Union | Carson City, NV | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greylock Federal Credit Union | Pittsfield, MA | $1.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kemba Federal Credit Union | West Chester, OH | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merck Employees Federal Credit Union | Rahway, NJ | $1.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Mid-Hudson Valley Federal Credit Union | Kingston, NY | $1.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Northrop Grumman Federal Credit Union | Gardena, CA | $1.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Publix Employees Federal Credit Union | Lakeland, FL | $1.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| San Francisco Federal Credit Union | San Francisco, CA | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| San Francisco Fire Federal Credit Union | San Francisco, CA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| St. Mary'S Bank Federal Credit Union | Manchester, NH | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Truwest Federal Credit Union | Scottsdale, AZ | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| United Heritage Federal Credit Union | Austin, TX | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| University Of Kentucky Federal Credit Union | Lexington, KY | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| University of Va Community Credit Union | Charlottesville, VA | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Verve, A Credit Union | Oshkosh, WI | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Webster First Federal Credit Union | Worcester, MA | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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
The peer median is $6.23 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 Oct 27, 2026.
Monthly maintenance fee in dollars, one mark per institution
Skyla Federal Credit Union does not publish a monthly maintenance 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 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Skyla 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 | $4.0M | +$162K | +4.2% |
| Q1 2026 | $3.8M | +$77K | +2.1% |
| Q4 2025 | $3.7M | −$97K | −2.5% |
| Q3 2025 | $3.8M | +$169K | +4.6% |
| Q2 2025 | $3.7M | +$151K | +4.3% |
| Q1 2025 | $3.5M | −$57K | −1.6% |
| Q4 2024 | $3.6M | −$99K | −2.7% |
| Q3 2024 | $3.7M | +$76K | +2.1% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Skyla 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 Skyla Federal Credit Union by share.
Amounts from Skyla Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure (audience not stated, treated as personal) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactivity (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation/Research | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Bad Address (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay (audience not stated, treated as personal) | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF (non-sufficient funds) (audience not stated, treated as personal) | $29Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Withdrawal/Transfer | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Visa Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Foreign Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer (Outgoing) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer (incoming) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire Transfer International | $60Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Certified Check – Official | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment (audience not stated, treated as personal) | $29Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Bill Payment Check Copy (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Check Copy (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Annual Rental Size 10x10 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rental Size 3x5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rental Size 5x10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Before Nov. 1st or after Jan. 31st: Annual Rental Size 3x10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Lock Drilling (Non-payment) | $150Not compared: Box drilling or key fee | per item | None |
| Legal Process | $50Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
| Account Verification | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Other Fees | |||
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Skip-A-Pay (audience not stated, treated as personal) | $25Inside 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
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.
Where Skyla Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
20 offices in 3 states (June 30, 2026)
Each dot is one office.
18 of 20 offices on the map. 1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Charlotte, NC | 8 |
| Asheville, NC | 1 |
| Graham, NC | 1 |
| Greensboro, NC | 1 |
| Harrisburg, NC | 1 |
| Huntersville, NC | 1 |
| Kings Mountain, NC | 1 |
| Lowell, NC | 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
We check once a day and send one email covering every change.