Loyalty Federal Credit Union

Headquarters: Pensacola, Florida
Charter: Credit Union
Assets: $300.3M
Fed district: Atlanta
Regulator: NCUA

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 2, 2026

How these figures are measured

Call-report figures are for Loyalty 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Loyalty Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Loyalty Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 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 $831K in Q2 2026, 27% above the same quarter a year earlier ($652K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

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

Wire Transfer (Domestic Out)
Loyalty Federal Credit Union: $25
Loyalty Federal Credit Union: $25
U.S. median: no median
Wire Transfer (Domestic In)
Loyalty Federal Credit Union: $10
Loyalty Federal Credit Union: $10
U.S. median: no median
OD Protection Transfer
Loyalty Federal Credit Union: $5
Loyalty Federal Credit Union: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta 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).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 27% from Q3 2025 to Q2 2026, to $831K.

Fee income, Q2 2026

$831K

$652KQ3 2025

$744KQ4 2025

$725KQ1 2026

$831KQ2 2026

Against the median

Loyalty Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Loyalty Federal Credit Union · $300M 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 19 states.

Credit unions only
$288M to $311M in assets
Headquartered in 19 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
Loyalty Federal Credit Union(this institution)	Pensacola, FL	$300M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
1St Community Federal Credit Union	Sparta, WI	$288M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Advantage Plus Federal Credit Union	Pocatello, ID	$292M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alive Federal Credit Union	Jacksonville, FL	$296M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bangor Federal Credit Union	Bangor, ME	$293M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bowater Employees Federal Credit Union	Calhoun, TN	$303M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bronco Federal Credit Union	Franklin, VA	$292M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Century Heritage Federal Credit Union	Pittsburgh, PA	$289M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cross Valley Federal Credit Union	Wilkes Barre, PA	$300M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Holyoke Federal Credit Union	Holyoke, MA	$296M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Homebase Federal Credit Union	Prince George, VA	$298M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Intrepid Federal Credit Union	Helena, MT	$311M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Jetstream Federal Credit Union	Miami Lakes, FL	$307M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kalsee Federal Credit Union	Kalamazoo, MI	$292M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Maine Family Federal Credit Union	Lewiston, ME	$288M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Members1St Community Federal Credit Union	Marshalltown, IA	$311M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Membersalliance Federal Credit Union	Rockford, IL	$304M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mtc Federal Credit Union	Greenville, SC	$303M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New Horizons Federal Credit Union	Mobile, AL	$304M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Otis Federal Credit Union	Jay, ME	$300M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peninsula Community Federal Credit Union	Shelton, WA	$304M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Santa Barbara Teachers Federal Credit Union	Santa Barbara, CA	$308M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Tct Federal Credit Union	Ballston Spa, NY	$296M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
United Federal Credit Union	Mexico, MO	$302M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Valley Communities Federal Credit Union	Mosinee, WI	$307M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
Zia Federal Credit Union	Los Alamos, NM	$308M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	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.

Fee type

Peer pricing snapshot

Loyalty Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $6.75 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

Loyalty Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Loyalty Federal Credit Un…Peer (equal prices stack)Peer median

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.

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 Loyalty Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $831K
vs prior quarter: +$106K+14.6%; from Q1 2026
vs a year earlier: +$179K+27.5%; from Q2 2025
vs start of range: −$415K−33.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Loyalty Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 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	$831K	+$106K	+14.6%
Q1 2026	$725K	−$19K	−2.6%
Q4 2025	$744K	+$92K	+14.1%
Q3 2025	$652K	$0	0.0%
Q2 2025	$652K	−$8K	−1.2%
Q1 2025	$660K	+$1.1M
Q4 2024	-$405K	−$1.7M
Q3 2024	$1.2M	+$159K	+14.6%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

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

Account Maintenance

Early Closure Account open less than 180 days$20
Dormant Account Per month after 12 months of no activity$30
per month
Inactive Account/Below Minimum Share Per month$5
per month
Account Reconciliation Hourly with 1 hour minimum$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation Hourly with 1 hour minimum | $20.00/hr
Research Fee Hourly with 1 hour minimum$20
Not compared: Charged per hour; comparison unavailable
per hour · Research Fee Hourly with 1 hour minimum | $20.00/hr
Paper Statement Per month$5
per month
Excessive Withdrawal Over three per month$5
Returned Mail Per item$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Transfer$5

ATM & Card

Plastic Card Replacement over one per year$10
Debit Card Rush$35
one time

Wire Transfers

Outgoing Wire$25
Incoming Wire$10

Check Services

Money Order$2
Temporary Checks Per 4$5
Check Cashing Nonmember - on us only$10
Copy of Check Paid or Deposited$5

Cash & Deposit

Returned Deposit Item Processing$30
per item

Account Services

Key Replacement$25
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$100
Safe Deposit Box 3x10$45
Safe Deposit Box 3x5$30
Safe Deposit Box 5x10$60
Safe Deposit Box Drilling$50
Not compared: Box drilling or key fee
Levies/Garnishments$100
Legal Processing$100

Retirement & IRA

IRA Rollover/Transfer Out$25
per item

Other Fees

Statement Copy$5
Skip A Payment$35

Fee	Amount	Basis	Note
Account Maintenance
Early Closure Account open less than 180 days	$20	Not stated	None
Dormant Account Per month after 12 months of no activity	$30	per month	None
Inactive Account/Below Minimum Share Per month	$5	per month	None
Account Reconciliation Hourly with 1 hour minimum	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation Hourly with 1 hour minimum \| $20.00/hr
Research Fee Hourly with 1 hour minimum	$20Not compared: Charged per hour; comparison unavailable	per hour	Research Fee Hourly with 1 hour minimum \| $20.00/hr
Paper Statement Per month	$5	per month	None
Excessive Withdrawal Over three per month	$5	Not stated	None
Returned Mail Per item	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Transfer	$5	Not stated	None
ATM & Card
Plastic Card Replacement over one per year	$10	Not stated	None
Debit Card Rush	$35	one time	None
Wire Transfers
Outgoing Wire	$25	Not stated	None
Incoming Wire	$10	Not stated	None
Check Services
Money Order	$2	Not stated	None
Temporary Checks Per 4	$5	Not stated	None
Check Cashing Nonmember - on us only	$10	Not stated	None
Copy of Check Paid or Deposited	$5	Not stated	None
Cash & Deposit
Returned Deposit Item Processing	$30	per item	None
Account Services
Key Replacement	$25Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10x10	$100	Not stated	None
Safe Deposit Box 3x10	$45	Not stated	None
Safe Deposit Box 3x5	$30	Not stated	None
Safe Deposit Box 5x10	$60	Not stated	None
Safe Deposit Box Drilling	$50Not compared: Box drilling or key fee	Not stated	None
Levies/Garnishments	$100	Not stated	None
Legal Processing	$100	Not stated	None
Retirement & IRA
IRA Rollover/Transfer Out	$25	per item	None
Other Fees
Statement Copy	$5	Not stated	None
Skip A Payment	$35	Not stated	None

Correct a fee source

Nov 2, 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.

Fee change alerts

Get an email when Loyalty Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.