Compared with North Carolina
9 of 18
compared fees are above the median.
4 below, 5 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
86th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the North Carolina median
of 18 compared; 4 below, 5 about the same
See the feesFee schedule read Oct 10, 2026
Call-report figures are for Nova 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. | Nova Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 10, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 15% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (86th 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 $312K in Q2 2026, 9.1% above the same quarter a year earlier ($286K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
9 of 18 compared published fees sit above the North Carolina median; 4 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.
Monthly Maintenance
Secure Checking
NSF / Returned Item
Wire Transfer (Domestic Out)
Compared at $35, 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 rose 1.6% from Q3 2025 to Q2 2026, to $312K. Its share of revenue, 15%, is above the 7.2% median for credit unions with under $300M in assets.
$312K
Nova 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.
Nova Federal Credit Union · $121M 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 |
|---|---|---|---|---|---|---|---|
| Nova Federal Credit Union(this institution) | Charlotte, NC | $121M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| A.A.E.C. Federal Credit Union | Arlington Heights, IL | $119M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Brewer Federal Credit Union | Brewer, ME | $118M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Casco Federal Credit Union | Gorham, ME | $121M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Centex Citizens Federal Credit Union | Mexia, TX | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central Credit Union of Illinois | Bellwood, IL | $123M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cgr Federal Credit Union | Macon, GA | $120M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Circle Federal Credit Union | Niles, MI | $117M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community Federal Credit Union | Lewiston, ME | $120M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Estacado Federal Credit Union | Hobbs, NM | $120M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| F R B Federal Credit Union | Washington, DC | $123M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First American Federal Credit Union | Casa Grande, AZ | $120M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Governmental Employees Federal Credit Union | La Crosse, WI | $122M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Guthrie Community Federal Credit Union | Sayre, PA | $123M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hancock Federal Credit Union | Findlay, OH | $118M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Luso-American Federal Credit Union | Peabody, MA | $123M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Missouri Central Federal Credit Union | Lees Summit, MO | $123M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Omaha Federal Credit Union | Omaha, NE | $118M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Prestige Community Federal Credit Union | Dallas, TX | $119M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Richland Federal Credit Union | Sidney, MT | $119M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Sea Air Federal Credit Union | Seal Beach, CA | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Tarrant County'S Credit Union | Fort Worth, TX | $124M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Thinkwise Federal Credit Union | San Bernardino, CA | $123M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Local Federal Credit Union | Fresno, CA | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Valley Federal Credit Union | Brownsville, TX | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Valley Federal Credit Union | Salem, OR | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5.95, against a peer median of $7.50 among 16 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 Oct 31, 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.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Nova 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 | $312K | +$5K | +1.6% |
| Q1 2026 | $307K | −$5K | −1.6% |
| Q4 2025 | $312K | +$5K | +1.6% |
| Q3 2025 | $307K | +$21K | +7.3% |
| Q2 2025 | $286K | +$6K | +2.1% |
| Q1 2025 | $280K | −$8K | −2.8% |
| Q4 2024 | $288K | −$11K | −3.7% |
| Q3 2024 | $299K | −$11K | −3.5% |
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, Nova 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 Nova Federal Credit Union by share.
Amounts from Nova Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per month
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Secure Checking Monthly service charge (audience not stated, treated as personal) | $5.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Club Accounts - Early Closure | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Fee - (Primary Savings, Checking) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research and /or Balancing Assistance | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Statement Fee | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF / Returned Item | $29Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM withdrawals per month, each additional withdrawal | $1Not compared: Monthly charge, not per item | per month | None |
| Card Replacement fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replace lost Debit card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Rush Fee | $35Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Rush Fee | $35Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Foreign transaction fee (multiple currency) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Outgoing | $50Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers Domestic - Incoming (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers: International - Incoming | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official Check - Member | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payments on personal and credit union checks | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Copy of personal check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Counting (where available) (audience not stated, treated as personal) | 5% | Not stated | None |
Account Services | |||
| Drilling | $150Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 (audience not stated, treated as personal) | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | 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 5 x 10 (audience not stated, treated as personal) | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 5 (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Boxes 3 x 5 Box (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Tax levy/garnishment | $65Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of Deposits | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment | 2% | Not stated | None |
| VISA Credit Card Late Payment Fee (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy from Archives | $5Inside 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
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Club Accounts - Early Closure | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Fee - (Primary Savings, Checking) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research and /or Balancing Assistance | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Statement Fee | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF / Returned Item | $29Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM withdrawals per month, each additional withdrawal | $1Not compared: Monthly charge, not per item | per month | None |
| Business Account ATM Fees | $1 | per item | None |
| Card Replacement fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replace lost Debit card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Rush Fee | $35Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Rush Fee | $35Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Outgoing | $50Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: International - Incoming | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official Check - Member | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payments on personal and credit union checks | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Copy of personal check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Account Services | |||
| Drilling | $150Not compared: Box drilling or key fee | Not stated | None |
| Tax levy/garnishment | $65Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of Deposits | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment | 2% | Not stated | None |
Other Fees | |||
| Statement Copy from Archives | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 10, 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 Nova Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
6 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Charlotte, NC | 1 |
| Concord, NC | 1 |
| Greensboro, NC | 1 |
| Hickory, NC | 1 |
| Kannapolis, NC | 1 |
| Lenexa, KS | 1 |
Largest competitors nearby
Local market: Mecklenburg county, NC, around its headquarters.
| 41 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 71.1% |
| Truist Bank | 19% |
| Wells Fargo Bank, National Association | 5.2% |
| Fifth Third Bank, National Association | 0.9% |
| PNC Bank, National Association | 0.8% |
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.