Bayport Federal Credit Union

Headquarters: Newport News, Virginia
Charter: Credit Union
Assets: $2.8B
Fed district: Richmond
Regulator: NCUA

Explore Hamilton View published fees

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.

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
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 fees
Fee schedule read Oct 17, 2026

How these figures are measured

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

Details

Source: NCUA 5300 call report
Entity: Bayport Federal Credit Union (credit union)
Period: Q4 2025 to Q2 2026, 3 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 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.

Fees against the market

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

Monthly Maintenance
Bayport Federal Credit Union: $2.95
Bayport Federal Credit Union: $2.95
Virginia median: $7.9936 publishRichmond district median: $7.25120 publishU.S. median: $71,901 publish
Overdraft (OD)
Compared at $29, its standard fee, the highest of its prices
Bayport Federal Credit Union: $5 to $29
Bayport Federal Credit Union: $5 to $29
Virginia median: $3060 publishRichmond district median: $30.50186 publishU.S. median: $302,603 publish
Non-Network ATM
Leaves out 1 fee charged on a different basis filed under this fee.
Bayport Federal Credit Union: $1
Bayport Federal Credit Union: $1
Virginia median: $1.2548 publishRichmond district median: $1.50144 publishU.S. median: $1.501,648 publish

Published schedulesBanks and credit unionsRead Oct 17, 2026View sources

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.

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).
Virginia: Banks and credit unions headquartered in Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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 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.

Fee income, Q2 2026

$4.4M

$4.2MQ4 2025

$4.5MQ1 2026

$4.4MQ2 2026

Against the median (VA for fees)

Share of revenue8.4% / 6.6%
Overdraft$29* / $30
Non‑network ATM$1 / $1.25
Monthly maintenance$2.95 / $7.99

Bayport Federal Credit UnionMedian

Sources and open questions

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.

How much of the higher share comes from how often fees are charged, rather than what they cost?
Which fees make up most of fee income, and has that mix changed?

See a free sample report

Among its peers

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.

Credit unions only
$2.6B to $2.9B in assets
Headquartered in 15 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
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $3.55 (55%) below the median of similar-sized credit unions.

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

Bayport Federal Credit Un…Peer (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 Bayport Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q4 2025 to Q2 2026, standalone quarters · 3 quarters on file

Latest, Q2 2026: $4.4M
vs prior quarter: −$116K−2.6%; from Q1 2026
vs a year earlier: Not reported
vs start of range: +$197K+4.7%; from Q4 2025

Details

Source: NCUA 5300 call report
Entity: Bayport Federal Credit Union (credit union)
Period: Q4 2025 to Q2 2026, 3 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	$4.4M	−$116K	−2.6%
Q1 2026	$4.5M	+$313K	+7.5%
Q4 2025	$4.2M

Fee-income share against its size cohort

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.

Bayport Federal Credit Union: 8.4%
Percentile: 70th
25th percentile: 4.5%
Median: 6.6%
75th percentile: 8.9%

Bayport Federal Credit Union 8.4%Median 6.6%Middle half 4.5% to 8.9%Peers at each share7 above 20%, counted in the last bar

Find a peer (451)

The 15 closest to Bayport Federal Credit Union by share.

Details

Source: NCUA 5300 call report
Entity: Each credit union, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026), year to date
Measure: Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: Account 131 / (Account 115 + Account 117)

Published fee schedule

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

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Monthly service fee (less than 1 bill paid per month)$2.95
Below the U.S. middle 50% ($5 to $10 nationally)
per month
Low-balance fee (min. average daily balance <$2,500.00)$10
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
High Yield & Cash Back Checking accounts: inactive balances less than $100.00$3
Below the U.S. middle 50% ($5 to $10 nationally)
per month
Savings account: inactive balances less than $100.00$7
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Savings account: inactive balances less than and no activity in a 12-month period$7
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Account research/reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Excessive transfer/check in accordance with Regulation D$10
Inside the U.S. middle 50% ($3 to $10 nationally)
per item
Money Market – more than three checks cleared per month – excessive transfer / check in accordance with Regulation D$5
Inside the U.S. middle 50% ($3 to $10 nationally)
per item
Bad Address$5
Inside the U.S. middle 50% ($5 to $7.50 nationally)
per month
Bad AddressNo charge
Below the U.S. middle 50% ($5 to $7.50 nationally)

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

Showing 5 of 35 fees.

Correct a fee source

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.

Branches and public record

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.

This credit unionOther banks and credit unions

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

Bayport Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Monthly maintenance is $3.55 (55%) below the median of similar-sized credit unions.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Bayport Federal Credit Union changes in our data

Bayport Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Monthly maintenance is $3.55 (55%) below the median of similar-sized credit unions.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Bayport Federal Credit Union changes in our data