Compared with Virginia
2 of 22
compared fees are above the median.
17 below, 3 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
70th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Virginia median
of 22 compared; 17 below, 3 about the same
See the feesFee schedule read Oct 17, 2026
Call-report figures are for Bayport 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 Virginia median | Published fees above the Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Bayport Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 17, 2026 |
Fee income by quarter
Q4 2025 to Q2 2026, standalone quarters
Fee income was 8.4% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (70th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
2 of 22 compared published fees sit above the Virginia median; 17 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 Virginia medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
Compared at $29, its standard fee, the highest of its prices
Non-Network ATM
Leaves out 1 fee charged on a different basis filed under this fee.
Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 4.7% from Q4 2025 to Q2 2026, to $4.4M. Its share of revenue, 8.4%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$4.4M
Bayport Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Three 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. *Overdraft: Listed at $5 to $29; we compare the highest.
Bayport Federal Credit Union · $2.8B 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 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Bayport Federal Credit Union(this institution) | Newport News, VA | $2.8B | 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 |
| Abound Federal Credit Union | Radcliff, KY | $2.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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 |
| American Eagle Financial Federal Credit Union | East Hartford, CT | $2.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Andrews Federal Credit Union | Suitland, MD | $2.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital Federal Credit Union | Green Bay, WI | $2.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Commonwealth Federal Credit Union | Frankfort, KY | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Consumers Federal Credit Union | Oshtemo, MI | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Corning Federal Credit Union | Corning, NY | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union 1 | Lombard, IL | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Florida Federal Credit Union | Gainesville, FL | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hawaii State Federal Credit Union | Honolulu, HI | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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 |
| 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 |
| 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 |
| Lake Trust Federal Credit Union | Brighton, MI | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oregon State Federal Credit Union | Corvallis, OR | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Partners Federal Credit Union | Burbank, CA | $2.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pen Air Federal Credit Union | Pensacola, FL | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Polish & Slavic Federal Credit Union | Brooklyn, NY | $2.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Y-12 Federal Credit Union | Oak Ridge, TN | $2.8B | 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.
Peer pricing snapshot
Its published price is $2.95, against a peer median of $6.50 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 Bayport Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q4 2025 to Q2 2026, standalone quarters · 3 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $4.4M | −$116K | −2.6% |
| Q1 2026 | $4.5M | +$313K | +7.5% |
| Q4 2025 | $4.2M |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Bayport 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 Bayport Federal Credit Union by share.
Amounts from Bayport 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 | |||
| Monthly service fee (less than 1 bill paid per month) | $2.95Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Low-balance fee (min. average daily balance <$2,500.00) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| High Yield & Cash Back Checking accounts: inactive balances less than $100.00 | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Savings account: inactive balances less than $100.00 | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Savings account: inactive balances less than and no activity in a 12-month period | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account research/reconciliation | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive transfer/check in accordance with Regulation D | $10Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Money Market – more than three checks cleared per month – excessive transfer / check in accordance with Regulation D | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Bad Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
| Bad Address | No chargeBelow the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Privilege | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Privilege (Paid NSF) – checks – ACH – recurring debit transaction – bill payment | $5Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| ATM balance inquiry - first two monthly - each additional | $0.50Not compared: Monthly charge, not per item | per month | None |
| Non-proprietary ATM network fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement ATM/Debit Mastercard® card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Replacement ATM/Debit Mastercard® card | $29Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire transfer: outgoing domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire transfer: outgoing domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire transfer: incoming domestic | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Certified checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Teller check | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Teller check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop payment | $29Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter/starter check | $5Above the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check cashing (non-BayPort account) | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Digital & Electronic | |||
| 1 bill or more paid per month | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Bill payment | $29Not compared: Per-item charge, not monthly | per item | None |
| Bill payment concierge fee | $20Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill payment concierge for members in Select & Premier Relationship | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Notary fee (non-members) | $2Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Safe Deposit Box 10" x 10" | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment / Levy | $20Below the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Retirement & IRA | |||
| IRA external transfer | $20Below the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Mastercard® Gift Card | $3.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Duplicate statement, copy of electronic document, or balance verification letter | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 17, 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 Bayport Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
32 offices in 1 state (June 30, 2026)
Each dot is one office.
4 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Newport News, VA | 8 |
| Virginia Beach, VA | 6 |
| Hampton, VA | 4 |
| Chesapeake, VA | 3 |
| Norfolk, VA | 2 |
| Suffolk, VA | 2 |
| Gloucester, VA | 1 |
| Hayes, VA | 1 |
Largest competitors nearby
Local market: Newport News city county, VA, around its headquarters.
| 17 in its local market | Deposit share |
|---|---|
| TowneBank | 40.9% |
| Truist Bank | 20.6% |
| Bank of America, National Association | 13.6% |
| Wells Fargo Bank, National Association | 12.2% |
| Atlantic Union Bank | 3.9% |
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.