Compared with Tennessee
4 of 24
compared fees are above the median.
13 below, 7 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
27th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Tennessee median
of 24 compared; 13 below, 7 about the same
See the feesFee schedule read Apr 19, 2026
Call-report figures are for New South 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 Tennessee median | Published fees above the Tennessee median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | New South Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Apr 19, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 3.9% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (27th 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 $48K in Q2 2026, 11% below the same quarter a year earlier ($54K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 24 compared published fees sit above the Tennessee median; 13 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 Tennessee medians for fees published by banks and credit unions.
Overdraft (OD)
Monthly Maintenance
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Tennessee, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 13% from Q3 2025 to Q2 2026, to $48K. Its share of revenue, 3.9%, is below the 7.2% median for credit unions with under $300M in assets.
$48K
New South 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.
New South Credit Union · $90M in assets
Banks and credit unions in the Knoxville, TN metro
Banks and credit unions with branches in the Knoxville, TN metro: the local competitors for deposits and customers. They range from $31M to $4.1T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| New South Credit Union(this institution) | Knoxville, TN | $90M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Alcoa Tenn Federal Credit Union | Alcoa, TN | $427M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Apex Bank | Camden, TN | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of America, National Association | Charlotte, NC | $2.7T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Centennial Bank | Conway, AR | $24.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Bank | Elizabethton, TN | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Commercial Bank | Harrogate, TN | $2.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community Trust Bank, Inc. | Pikeville, KY | $6.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Consumer Federal Credit Union | Greeneville, TN | $660M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Enrichment Federal Credit Union | Oak Ridge, TN | $984M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Etma Federal Credit Union | Louisville, TN | $31M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fifth Third Bank, National Association | Cincinnati, OH | $299.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Century Bank | Tazewell, TN | $810M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Financial Bank, National Association | Terre Haute, IN | $6.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Horizon Bank | Memphis, TN | $84.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First US Bank | Birmingham, AL | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First-Citizens Bank & Trust Company | Raleigh, NC | $236.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| FirstBank | Nashville, TN | $16.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| FSNB, National Association | Lawton, OK | $478M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Home Federal Bank of Tennessee | Knoxville, TN | $2.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| JPMorgan Chase Bank, National Association | Columbus, OH | $4.1T | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Knoxville Firefighters Federal Credit Union | Knoxville, TN | $37M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Knoxville Tva Employees Federal Credit Union | Knoxville, TN | $5.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Old National Bank | Evansville, IN | $73.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Ornl Federal Credit Union | Oak Ridge, TN | $5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pinnacle Bank | Nashville, TN | $128.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Regions Bank | Birmingham, AL | $159.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Renasant Bank | Tupelo, MS | $27B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Simmons Bank | Pine Bluff, AR | $24.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Southern Bank of Tennessee | Mount Juliet, TN | $533M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Tennessee Members 1St Federal Credit Union | Oak Ridge, TN | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| TNBANK | Oak Ridge, TN | $318M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Truist Bank | Charlotte, NC | $548.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| U. T. Federal Credit Union | Knoxville, TN | $554M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| U.S. Bank National Association | Cincinnati, OH | $705.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Community Bank | Greenville, SC | $29B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | 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.
36 peers selected · 25 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $0, against a peer median of $8 among 25 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 1, 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.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for New South 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 | $48K | $0 | 0.0% |
| Q1 2026 | $48K | −$3K | −5.9% |
| Q4 2025 | $51K | −$4K | −7.3% |
| Q3 2025 | $55K | +$1K | +1.9% |
| Q2 2025 | $54K | +$2K | +3.8% |
| Q1 2025 | $52K | $0 | 0.0% |
| Q4 2024 | $52K | −$1K | −1.9% |
| Q3 2024 | $53K | +$4K | +8.2% |
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, New South 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 New South Credit Union by share.
Amounts from New South Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per year
per month
per item · upon request, 2 Free per Month
per hour
per transaction
per item
per transaction
per transaction
per item
per item
per item
per item
per item
per item
per item
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Checking Monthly Service Charge | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Closed Membership Fee (If closed within 90 days of opening) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Annual Locator Fee | $25Not compared: Annual charge, not monthly | per year | None |
| Inactive / Dormant Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Print-out | $3Below the U.S. middle 50% ($6.44 to $25 nationally) | per item | upon request, 2 Free per Month |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Money Market and Savings Excess Activity | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per transaction | None |
Overdraft & NSF | |||
| Member Privilege Courtesy Pay (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Insufficient Funds Fee (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per transaction | None |
| Returned Items (Check, ACH, Debit Card, and ATM) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per transaction | None |
ATM & Card | |||
| Foreign ATM Balance Inquiry | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Additional/Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Currency | 1%of the transaction | Not stated | None |
Check Services | |||
| Certified Check/Cashier’s Check/Money Order | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment (Check, ACH, Certified Check, Cashier’s Check, Money Order) | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks | No chargeBelow the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing Per On-Us Check (Non-Member) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Check Collection (plus processing fee from foreign bank) | $20Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Money Order Copy or Refund | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Online Bill Payment | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Online Bill Payment Inactivity (each calendar month of no activity) | $5Not compared: Per-item charge, not monthly | per item | None |
Cash & Deposit | |||
| Cashed/Deposited Item Returned Unpaid | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service (CU Members Only) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Late Charge (assessed after 30 days late) (audience not stated, treated as personal) | $10Not compared: Box drilling or key fee | Not stated | None |
| Lost Keys/Box Drilling (audience not stated, treated as personal) | $250Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 3x10 (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Legal Processing (Includes levy, writ, garnishment, subpoena and requests for information from law enforcement agencies) | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Legal Processing | $75Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
| Mortgage Modification or Subordination Fee (audience not stated, treated as personal) | $250Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Account Verification Letter/Forms Completion | $20Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Lending Fees | |||
| Credit Card Late Payment Charge | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Loan Late Payment (Non-Mortgage) (audience not stated, treated as personal) | 5% | Not stated | None |
Retirement & IRA | |||
| IRA Below Minimum Balance – Annual | $25Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
Other Fees | |||
| Statement Copy (upon request) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | 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
Apr 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.
Where New South Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Blaine, TN | 1 |
| Knoxville, TN | 1 |
| Maynardville, TN | 1 |
Largest competitors nearby
Local market: Knox county, TN, around its headquarters.
| 42 in its local market | Deposit share |
|---|---|
| First Horizon Bank | 19.5% |
| Truist Bank | 16.6% |
| Pinnacle Bank | 16.1% |
| Regions Bank | 10% |
| Home Federal Bank of Tennessee | 9.6% |
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.