First Carolina People'S Federal Credit Union

Headquarters: Goldsboro, North Carolina
Charter: Credit Union
Assets: $33.3M
Fed district: Richmond

16 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 First Carolina People'S 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.	First Carolina People'S 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: First Carolina People'S 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 $16K in Q2 2026, 14% above the same quarter a year earlier ($14K).
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.

NSF / Returned Item
First Carolina People'S Federal Credit Union: $35
First Carolina People'S Federal Credit Union: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Compared at $12.50, the middle of its prices
First Carolina People'S Federal Credit Union: $10 to $15
First Carolina People'S Federal Credit Union: $10 to $15
U.S. median: no median
Stop Payment
Compared at $20, the middle of its prices
First Carolina People'S Federal Credit Union: $10 to $35
First Carolina People'S Federal Credit Union: $10 to $35
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 North Carolina, 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).
North Carolina: Banks and credit unions headquartered in North Carolina 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 fell 27% from Q3 2025 to Q2 2026, to $16K.

Fee income, Q2 2026

$16K

$22KQ3 2025

$0Q4 2025

$36KQ1 2026

$16KQ2 2026

Against the median

First Carolina People'S 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

First Carolina People'S Federal Credit Union · $33M 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 17 states.

Credit unions only
$32M to $34M in assets
Headquartered in 17 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
First Carolina People'S Federal Credit Union(this institution)	Goldsboro, NC	$33M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Academic Federal Credit Union	Briarcliff Manor, NY	$34M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Allwealth Federal Credit Union	Hamilton, OH	$33M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Baldwin County Federal Credit Union	Bay Minette, AL	$32M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Carey Poverello Federal Credit Union	Carey, OH	$33M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Central Soya Federal Credit Union	Decatur, IN	$33M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Christiansted Federal Credit Union	Christiansted, VI	$34M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Common Cents Federal Credit Union	Beaumont, TX	$34M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
ECU Federal Credit Union	Seminole, FL	$34M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Faith Connection Federal Credit Union	Marietta, GA	$32M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gowanda Area Federal Credit Union	Gowanda, NY	$34M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Greenwich Municipal Employees Federal Credit Union	Greenwich, CT	$33M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Jessop Community Federal Credit Union	Washington, PA	$34M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Logan Medical Federal Credit Union	Logan, UT	$33M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Medisys Employees Federal Credit Union	Jamaica, NY	$33M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Norwalk Hospital Federal Credit Union	Norwalk, CT	$33M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pagoda Federal Credit Union	Reading, PA	$33M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Patriot Equity Federal Credit Union	Jackson, TN	$33M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Questa Federal Credit Union	Questa, NM	$33M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Rome Federal Credit Union	Rome, NY	$34M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Schofield Federal Credit Union	Wahiawa, HI	$34M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sunflower Community Federal Credit Union	Marysville, KS	$33M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Tangipahoa Parish Teachers Federal Credit Union	Amite, LA	$33M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
The Infirmary Federal Credit Union	Mobile, AL	$33M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
U S P L K Employees Federal Credit Union	Leavenworth, KS	$34M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Utility District Federal Credit Union	Oakland, CA	$34M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(domestic wire)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Domestic wire is $7.50 (38%) below the median of similar-sized credit unions.

Compared at $12.50, the middle of its two prices, against a peer median of $20 among 16 publishing peers.

Its two prices are $10 and $15.

$12.50 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 Oct 31, 2026.

Domestic wire fee in dollars, one mark per institution

First Carolina People'S F…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's domestic wire fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 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 First Carolina People'S 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: $16K
vs prior quarter: −$20K−55.6%; from Q1 2026
vs a year earlier: +$2K+14.3%; from Q2 2025
vs start of range: −$2K−11.1%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: First Carolina People'S 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	$16K	−$20K	−55.6%
Q1 2026	$36K	+$36K
Q4 2025	$0	−$22K	−100.0%
Q3 2025	$22K	+$8K	+57.1%
Q2 2025	$14K	−$7K	−33.3%
Q1 2025	$21K	+$1K	+5.0%
Q4 2024	$20K	+$2K	+11.1%
Q3 2024	$18K	$0	0.0%

Fee-income share against its size cohort

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

Published fee schedule

Amounts from First Carolina People'S Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Below minimum balance/per day$3
Not compared: Daily charge, not monthly
per day
Below minimum fee/each occurrence$3
Dormant accts./3 yrs. dormant/balance below $2500$2
per month
Research Fee - 1st Hour$25
Research Fee - each additional hour$10
per item
Returned Mail per statement$2

Overdraft & NSF

Member generated NSF$35
NSF ACH items (audience not stated, treated as personal)$35
NSF Check (includes billpay)$35
NSF recurring transaction$35

ATM & Card

Each additional lost card$30
per item
Lost Card (1st time)$5
Worn / Damaged Card replacementNo charge

Wire Transfers

Wire Transfer (in or out) domestic only$10
Wire Transfer (in or out) domestic only$15

Check Services

Cashier's Check (payable to 2nd party)$2
Cashier's Check - stop payment$20
Cashier's Check - stop payment$10
Stop Payments (includes billpay)$35
Check Copy (each)$5
per item

Digital & Electronic

Stop ACH origination before loan payoff (audience not stated, treated as personal)$10
Bill pay inactivity$2
per month

Account Services

One lost key (audience not stated, treated as personal)$50
Not compared: Box drilling or key fee
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)$40
per year
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$25
per year
Tax Levy / Garnishment processing fee$25

Other Fees

FAX for membersNo charge
Statement Copies$5
Not compared: Monthly charge, not per item
per month
Duplicate lien release request$10

Fee	Amount	Basis	Note
Account Maintenance
Below minimum balance/per day	$3Not compared: Daily charge, not monthly	per day	None
Below minimum fee/each occurrence	$3	Not stated	None
Dormant accts./3 yrs. dormant/balance below $2500	$2	per month	None
Research Fee - 1st Hour	$25	Not stated	None
Research Fee - each additional hour	$10	per item	None
Returned Mail per statement	$2	Not stated	None
Overdraft & NSF
Member generated NSF	$35	Not stated	None
NSF ACH items (audience not stated, treated as personal)	$35	Not stated	None
NSF Check (includes billpay)	$35	Not stated	None
NSF recurring transaction	$35	Not stated	None
ATM & Card
Each additional lost card	$30	per item	None
Lost Card (1st time)	$5	Not stated	None
Worn / Damaged Card replacement	No charge	Not stated	None
Wire Transfers
Wire Transfer (in or out) domestic only	$10	Not stated	None
Wire Transfer (in or out) domestic only	$15	Not stated	None
Check Services
Cashier's Check (payable to 2nd party)	$2	Not stated	None
Cashier's Check - stop payment	$20	Not stated	None
Cashier's Check - stop payment	$10	Not stated	None
Stop Payments (includes billpay)	$35	Not stated	None
Check Copy (each)	$5	per item	None
Digital & Electronic
Stop ACH origination before loan payoff (audience not stated, treated as personal)	$10	Not stated	None
Bill pay inactivity	$2	per month	None
Account Services
One lost key (audience not stated, treated as personal)	$50Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)	$40	per year	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$25	per year	None
Tax Levy / Garnishment processing fee	$25	Not stated	None
Other Fees
FAX for members	No charge	Not stated	None
Statement Copies	$5Not compared: Monthly charge, not per item	per month	None
Duplicate lien release request	$10	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

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

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