Compared with Alabama
6 of 21
compared fees are above the median.
12 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
65th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Alabama median
of 21 compared; 12 below, 3 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for North Alabama Educators 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 2,932 credit unions with under $300M 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 Alabama median | Published fees above the Alabama median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | North Alabama Educators Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.5% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (65th 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 $165K in Q2 2026, 7.8% above the same quarter a year earlier ($153K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 21 compared published fees sit above the Alabama median; 12 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 Alabama medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $0.75, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 6.5% from Q3 2025 to Q2 2026, to $165K. Its share of revenue, 9.5%, is above the 7.2% median for credit unions with under $300M in assets.
$165K
North Alabama Educators 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 2,932 credit unions with under $300M 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.
North Alabama Educators Federal Credit Union · $143M 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 21 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| North Alabama Educators Federal Credit Union(this institution) | Huntsville, AL | $143M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Arkansas Best Federal Credit Union | Fort Smith, AR | $144M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Aurora Federal Credit Union | Aurora, CO | $140M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Baptist Health South Florida Federal Credit Union | Miami, FL | $140M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Buffalo Metropolitan Federal Credit Union | Buffalo, NY | $144M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Celco Community Federal Credit Union | Narrows, VA | $144M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Central Missouri Community Federal Credit Union | Warrensburg, MO | $140M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Powered Federal Credit Union | Bear, DE | $142M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| East County Schools Federal Credit Union | El Cajon, CA | $147M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Priority Federal Credit Union | Boston, MA | $139M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Florida West Coast Federal Credit Union | Brandon, FL | $144M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heart Of Louisiana Federal Credit Union | Pineville, LA | $143M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Indiana State University Federal Credit Union | Terre Haute, IN | $140M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lenco Federal Credit Union | Adrian, MI | $145M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Market USA Federal Credit Union | Laurel, MD | $142M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Maui Federal Credit Union | Kahului, HI | $146M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Meridia Community Federal Credit Union | Hamburg, NY | $144M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pacific Cascade Federal Credit Union | Eugene, OR | $140M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Pacific Horizon Federal Credit Union | Springville, UT | $141M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Quantum Federal Credit Union | Wichita, KS | $143M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| R T P Federal Credit Union | Rtp, NC | $142M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Siskiyou Federal Credit Union | Yreka, CA | $144M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The One Federal Credit Union | Meadville, PA | $139M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tru Fi Federal Credit Union | Macclenny, FL | $146M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wcla Federal Credit Union | Olympia, WA | $142M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| West Virginia Federal Credit Union | South Charleston, WV | $142M | 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 · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 10 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 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
North Alabama Educators 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for North Alabama Educators 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 | $165K | +$8K | +5.1% |
| Q1 2026 | $157K | −$3K | −1.9% |
| Q4 2025 | $160K | +$5K | +3.2% |
| Q3 2025 | $155K | +$2K | +1.3% |
| Q2 2025 | $153K | −$5K | −3.2% |
| Q1 2025 | $158K | −$8K | −4.8% |
| Q4 2024 | $166K | −$4K | −2.4% |
| Q3 2024 | $170K | +$6K | +3.7% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, North Alabama Educators 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 North Alabama Educators Federal Credit Union by share.
Amounts from North Alabama Educators Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per item
per month
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Minimum Balance Violations: Service Fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheat Fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Balancing/Research Fee | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive Savings Withdrawals: Excess Withdrawal Fee | $1Below the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Bad Address Fee: Bad Address Fee | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Privilege - Items paid | Courtesy pay | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF Charge | $29Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM/Check Card Inquiries: Inquiry Fee | $0.50Below the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM/Check Card Transfers: Transfer Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM/Check Card Replacement: ATM/Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Wire Fee | $15Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Wire fee | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| International Wire: International Wire Fee | $35Below the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier's Check: Cashier's Check Fee | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Non-Member Cashier's Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Official Check Fee | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Pmt Fee | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Share Draft Copies Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay & Zelle | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Chargeback Fee | $25Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Legal Orders Fee | $25Below the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| MasterCard Gift Cards | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Faxing Service: Faxing Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copies Fee | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Loan Modification Fee: Loan Modification Fee | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Oct 31, 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 North Alabama Educators Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Huntsville, AL | 3 |
| Athens, AL | 1 |
| Hoover, AL | 1 |
| Madison, AL | 1 |
Largest competitors nearby
Local market: Madison county, AL, around its headquarters.
| 37 in its local market | Deposit share |
|---|---|
| Regions Bank | 22.8% |
| ServisFirst Bank | 11.8% |
| Pinnacle Bank | 11.5% |
| Wells Fargo Bank, National Association | 6.6% |
| SouthState Bank, National Association | 5.5% |
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.