Compared with North Carolina
2 of 15
compared fees are above the median.
11 below, 2 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
32nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the North Carolina median
of 15 compared; 11 below, 2 about the same
See the feesFee schedule read Nov 2, 2026
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) 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 North Carolina median | Published fees above the North Carolina 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
Fee income was 4.8% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (32nd 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 $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.
2 of 15 compared published fees sit above the North Carolina median; 11 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 North Carolina medians for fees published by banks and credit unions.
NSF / Returned Item
Wire Transfer (Domestic Out)
Compared at $12.50, the middle of its prices
Stop Payment
Compared at $20, the middle of its prices
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.
Fee income fell 27% from Q3 2025 to Q2 2026, to $16K. Its share of revenue, 4.8%, is below the 7.2% median for credit unions with under $300M in assets.
$16K
First Carolina People'S 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.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for First Carolina People'S 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 | $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% |
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, First Carolina People'S 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 First Carolina People'S Federal Credit Union by share.
Amounts from First Carolina People'S Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per day
per month
per item
per item
per year
per year
| 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 | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant Account | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research Fee - 1st Hour | $25Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Research Fee - each additional hour | $10Inside the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Returned Mail per statement | $2Below the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Member generated NSF | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF ACH items (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF Check (includes billpay) | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF recurring transaction | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Each additional lost card | $30Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Lost Card (1st time) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Worn / Damaged Card replacement | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer (in or out) domestic only | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (in or out) domestic only | $10Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check (payable to 2nd party) | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier's Check - stop payment | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Cashier's Check - stop payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payments (includes billpay) | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Copy (each) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Stop ACH origination before loan payoff (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Bill pay inactivity | $2Inside the U.S. middle 50% ($0 to $6 nationally) | 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) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Tax Levy / Garnishment processing fee | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| FAX for members | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copies | $5Not compared: Monthly charge, not per item | per month | None |
| Duplicate lien release request | $10Below the U.S. middle 50% ($20 to $37.50 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
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.
Where First Carolina People'S Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Goldsboro, NC | 1 |
Largest competitors nearby
Local market: Wayne county, NC, around its headquarters.
| 11 in its local market | Deposit share |
|---|---|
| Truist Bank | 24.5% |
| Southern Bank and Trust Company | 24% |
| Wells Fargo Bank, National Association | 17.5% |
| First-Citizens Bank & Trust Company | 14% |
| KS Bank, Inc. | 5.2% |
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.