Virginia Educators Credit Union

Headquarters: Newport News, Virginia
Charter: Credit Union
Assets: $76.3M
Fed district: Richmond
Regulator: NCUA

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

Source: its fee schedule, read Oct 16, 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 Oct 16, 2026

How these figures are measured

Call-report figures are for Virginia Educators 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.	Virginia Educators Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 16, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Virginia Educators 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 $23K in Q2 2026, about level with the same quarter a year earlier ($23K).
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.

Overdraft (OD)
Virginia Educators Credit Union: $30
Virginia Educators Credit Union: $30
U.S. median: no median
NSF / Returned Item
Virginia Educators Credit Union: $30
Virginia Educators Credit Union: $30
U.S. median: no median
Non-Network ATM
Compared at $1.63, the middle of its prices
Virginia Educators Credit Union: $1.25 to $2
Virginia Educators Credit Union: $1.25 to $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Virginia, 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).
Virginia: Banks and credit unions headquartered in Virginia 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 8.0% from Q3 2025 to Q2 2026, to $23K.

Fee income, Q2 2026

$23K

$25KQ3 2025

$22KQ4 2025

$23KQ1 2026

$23KQ2 2026

Against the median

Virginia Educators 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

Virginia Educators Credit Union · $76M 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 18 states.

Credit unions only
$75M to $78M in assets
Headquartered in 18 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
Virginia Educators Credit Union(this institution)	Newport News, VA	$76M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Bay Cities Credit Union	Hayward, CA	$78M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Blackstone River Federal Credit Union	Woonsocket, RI	$75M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Chattanooga Federal Employees	Chattanooga, TN	$76M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Churchill County Federal Credit Union	Fallon, NV	$77M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Daviess County Teachers Federal Credit Union	Owensboro, KY	$75M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Eaton Family Federal Credit Union	Euclid, OH	$78M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Evergreendirect Federal Credit Union	Tumwater, WA	$76M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Ficare Federal Credit Union	Wesley Chapel, FL	$77M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Foundation Federal Credit Union	Springfield, MO	$77M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Freestone Federal Credit Union	Teague, TX	$77M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Greater Metro Federal Credit Union	Long Island City, NY	$77M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Greater Pittsburgh Federal Credit Union	Pittsburgh, PA	$77M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Health Care Family Federal Credit Union	Saint Louis, MO	$75M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Kbr Heritage Federal Credit Union	Houston, TX	$76M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kemba Roanoke Federal Credit Union	Salem, VA	$77M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members 1St Federal Credit Union	Saint Louis, MO	$76M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Miami University Community Federal Credit Union	Oxford, OH	$77M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Michigan Columbus Federal Credit Union	Livonia, MI	$75M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Midwest Coalition Of Labor Federal Credit Union	Countryside, IL	$77M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
New York University Federal Credit Union	New York, NY	$78M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Omaha Firefighters Federal Credit Union	Omaha, NE	$76M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Peoples Federal Credit Union	Springfield, CO	$75M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Safeway Federal Credit Union	Spokane, WA	$77M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Southern Federal Credit Union	Houston, TX	$76M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Teamsters Council #37 Federal Credit Union	Portland, OR	$76M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Virginia Educators Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 9 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

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

Virginia Educators Credit…Peer (equal prices stack)Peer median

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 Virginia Educators 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: $23K
vs prior quarter: $00.0%; from Q1 2026
vs a year earlier: $00.0%; from Q2 2025
vs start of range: −$3K−11.5%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Virginia Educators 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	$23K	$0	0.0%
Q1 2026	$23K	+$1K	+4.5%
Q4 2025	$22K	−$3K	−12.0%
Q3 2025	$25K	+$2K	+8.7%
Q2 2025	$23K	+$5K	+27.8%
Q1 2025	$18K	−$7K	−28.0%
Q4 2024	$25K	−$1K	−3.8%
Q3 2024	$26K	+$6K	+30.0%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Closed Account (within 90 days of opening)$15
Account Reconciliation /Research (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail or Incorrect Address$2

Overdraft & NSF

ATM & Debit Card NSF/Overdraft$30
NSF/Overdraft/Courtesy Pay$30
Bill Pay NSF$30

ATM & Card

Foreign ATM Inquiry$1.25
Foreign ATM Withdrawal$2

Wire Transfers

Wire Transfers (international)$40

Check Services

Cashier's Check$5
Money Order$2
Stop Payment (check/ACH)$30
Counter Check$1
Check Cashing (no matching funds)$3
Foreign Check Processing$25
Check Copy$3

Cash & Deposit

Returned Deposit Item$30

Account Services

Notary Public (Non- Member)$5
Garnishment or Tax levy Processing$30
Legal (Subpoena/Research per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Subordination Fee$25
Deposit Verification$15

Retirement & IRA

IRA Closed Account/Direct Transfer/Rollover$25

Gift & Prepaid Cards

Gift Card (activation fee)$4

Other Fees

Copies (per page)$0.25
Not compared: Charged per page; comparison unavailable
per page
Fax (per page)$1
Not compared: Charged per page; comparison unavailable
per page
Loan Extension$25

Fee	Amount	Basis	Note
Account Maintenance
Closed Account (within 90 days of opening)	$15	Not stated	None
Account Reconciliation /Research (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail or Incorrect Address	$2	Not stated	None
Overdraft & NSF
ATM & Debit Card NSF/Overdraft	$30	Not stated	None
NSF/Overdraft/Courtesy Pay	$30	Not stated	None
Bill Pay NSF	$30	Not stated	None
ATM & Card
Foreign ATM Inquiry	$1.25	Not stated	None
Foreign ATM Withdrawal	$2	Not stated	None
Wire Transfers
Wire Transfers (international)	$40	Not stated	None
Check Services
Cashier's Check	$5	Not stated	None
Money Order	$2	Not stated	None
Stop Payment (check/ACH)	$30	Not stated	None
Counter Check	$1	Not stated	None
Check Cashing (no matching funds)	$3	Not stated	None
Foreign Check Processing	$25	Not stated	None
Check Copy	$3	Not stated	None
Cash & Deposit
Returned Deposit Item	$30	Not stated	None
Account Services
Notary Public (Non- Member)	$5	Not stated	None
Garnishment or Tax levy Processing	$30	Not stated	None
Legal (Subpoena/Research per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Subordination Fee	$25	Not stated	None
Deposit Verification	$15	Not stated	None
Retirement & IRA
IRA Closed Account/Direct Transfer/Rollover	$25	Not stated	None
Gift & Prepaid Cards
Gift Card (activation fee)	$4	Not stated	None
Other Fees
Copies (per page)	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Fax (per page)	$1Not compared: Charged per page; comparison unavailable	per page	None
Loan Extension	$25	Not stated	None

Correct a fee source

Oct 16, 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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