Compared with Georgia
6 of 24
compared fees are above the median.
12 below, 6 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
48th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Georgia median
of 24 compared; 12 below, 6 about the same
See the feesFee schedule read Oct 30, 2026
Call-report figures are for Combined Employees 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 Georgia median | Published fees above the Georgia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Combined Employees Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 30, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.9% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (48th 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 $23K in Q2 2026, 4.5% above the same quarter a year earlier ($22K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 24 compared published fees sit above the Georgia 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 Georgia medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $3.98, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 15% from Q3 2025 to Q2 2026, to $23K. Its share of revenue, 6.9%, is below the 7.2% median for credit unions with under $300M in assets.
$23K
Combined Employees 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. *Monthly maintenance: Listed at $3 to $4.95; we compare the midpoint.
Combined Employees Federal Credit Union · $18M in assets
Banks and credit unions in the Warner Robins, GA metro
Banks and credit unions with branches in the Warner Robins, GA metro: the local competitors for deposits and customers. They range from $43M to $2.7T 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 |
|---|---|---|---|---|---|---|---|
| Combined Employees Federal Credit Union(this institution) | Warner Robins, GA | $18M | Publishes Monthly maintenance | Out-of-network ATM not published | 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 |
| Bank of Dudley | Dudley, GA | $538M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cgr Federal Credit Union | Macon, GA | $120M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Colony Bank | Fitzgerald, GA | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| H E A Federal Credit Union | Warner Robins, GA | $43M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| PeoplesSouth Bank | Colquitt, GA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | 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 |
| Pinnacle Bank | Elberton, GA | $4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Robins Financial Federal Credit Union | Warner Robins, GA | $5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Huntington National Bank | Columbus, OH | $283.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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 |
| Wells Fargo Bank, National Association | Sioux Falls, SD | $1.9T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
13 peers selected · 11 publish this fee(monthly maintenance)
2 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $3.98, the middle of its two prices, against a peer median of $8 among 11 publishing peers.
Its two checking prices are $3 and $4.95.
$3.98 is a comparison price, not a fee anyone is charged.
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 Combined Employees 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 | $23K | −$2K | −8.0% |
| Q1 2026 | $25K | −$2K | −7.4% |
| Q4 2025 | $27K | $0 | 0.0% |
| Q3 2025 | $27K | +$5K | +22.7% |
| Q2 2025 | $22K | +$10K | +83.3% |
| Q1 2025 | $12K | −$4K | −25.0% |
| Q4 2024 | $16K | $0 | 0.0% |
| Q3 2024 | $16K | $0 | 0.0% |
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, Combined Employees 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 Combined Employees Federal Credit Union by share.
Amounts from Combined Employees Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
waived w/direct deposit and e-statements
waived if avg daily balance is $3,000
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Checking Account (Basic) Maintenance Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | waived w/direct deposit and e-statements |
| Checking Account (Red White & Blue) Maintenance Fee | $4.95Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | waived if avg daily balance is $3,000 |
| Premier Gold- Low Balance Fee (if balance is less that $2,500) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Escheat Account (after 5 years of inactivity) | $60Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconciliation/Research – per-hour, (minimum 1 hour) | $20Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Paper Statement Fee | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Premier Gold- Excessive Withdrawal (per withdrawal after 2 a month) | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Share Savings Excessive Withdrawal Fee (per withdrawal after 2 a month) | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Return Mail Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Bounce Protection Overdraft (each submission and resubmission) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Bill Payment- NSF Fee/Returned Item Fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer from Savings (per item) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement Standard | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Replacement Rush Order | $60Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers – Outgoing Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers – Incoming | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers – Outgoing International | $30Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Stop Payment (Check, ACH, or Teller Check) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing- Per check (unless existing balance of $200) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Copy Fee | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Same Day ACH (before 2:00pm) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Bill Payment- Monthly Subscription (per month) | $5Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Account Services | |||
| Notary Services (for members) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Levies/Garnishments Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Reloadable Debit Card (reload fee) | $2Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Copy/Fax Fee | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy (per statement) | $3Not compared: Charged per statement; comparison unavailable | per statement | Statement Copy (per statement) | $3.00 |
| ACH Pause or Skip Payment Fee | $15Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 30, 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 Combined Employees Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Warner Robins, GA | 2 |
Largest competitors nearby
Local market: Houston county, GA, around its headquarters.
| 15 in its local market | Deposit share |
|---|---|
| Pinnacle Bank | 22% |
| Truist Bank | 13.8% |
| Pinnacle Bank | 12.8% |
| Bank of America, National Association | 10.7% |
| Wells Fargo Bank, National Association | 10.6% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
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