Compared with Virginia
6 of 22
compared fees are above the median.
11 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
90th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Virginia median
of 22 compared; 11 below, 5 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for Hampton Roads Educ Credit Union Inc, 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 Virginia median | Published fees above the Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Hampton Roads Educ Credit Union Inc's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 17% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (90th 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 $110K in Q2 2026, 4.3% below the same quarter a year earlier ($115K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 22 compared published fees sit above the Virginia 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 Virginia medians for fees published by banks and credit unions.
NSF / Returned Item
Compared at $32.50, the middle of its prices
Wire Transfer (Domestic Out)
Stop Payment
Compared at $30, the middle of its prices
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.
Fee income fell 4.3% from Q3 2025 to Q2 2026, to $110K. Its share of revenue, 17%, is above the 7.2% median for credit unions with under $300M in assets.
$110K
Hampton Roads Educ Credit Union IncMedian
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.
Hampton Roads Educ Credit Union Inc · $47M 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Hampton Roads Educ Credit Union Inc(this institution) | Hampton, VA | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Bloomington Municipal Federal Credit Union | Bloomington, IL | $46M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capitol View Federal Credit Union | Des Moines, IA | $46M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Children'S Medical Center Federal Credit Union | Cincinnati, OH | $47M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dow Great Western Federal Credit Union | Antioch, CA | $48M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Element Federal Credit Union | Charleston, WV | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Employees Federal Credit Union | Tulsa, OK | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Enfield Community Federal Credit Union | Enfield, CT | $46M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fox Valley Federal Credit Union | Aurora, IL | $46M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| H. E. Telephone Federal Credit Union | Rochelle Park, NJ | $46M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Huntingtonized Federal Credit Union | Huntington, WV | $47M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Kansas City Federal Credit Union | Kansas City, MO | $46M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Lufkin Federal Credit Union | Lufkin, TX | $48M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Marathon County Employees Federal Credit Union | Wausau, WI | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mountain Star Federal Credit Union | El Paso, TX | $46M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Rochester & Monroe Co Emp Federal Credit Union | Rochester, NY | $46M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Skyline Financial Federal Credit Union | Waterbury, CT | $48M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Southeastern Arizona Federal Credit Union | Douglas, AZ | $48M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Tammany Federal Credit Union | Slidell, LA | $47M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Starr County Teachers Federal Credit Union | Rio Grande City, TX | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Stewart'S Federal Credit Union | Saratoga Springs, NY | $47M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Suny Fredonia Federal Credit Union | Fredonia, NY | $48M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Syracuse Cooperative Federal Credit Union | Syracuse, NY | $47M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Toledo Fire Fighters Federal Credit Union | Toledo, OH | $46M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vigo County Federal Credit Union | Terre Haute, IN | $46M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Worcester Fire Dept. Federal Credit Union | Worcester, MA | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 18 publish this fee(domestic wire)
7 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $20, against a peer median of $22.50 among 18 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 22, 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 22, 2026. Total assets from FDIC and NCUA records.
Call reports for Hampton Roads Educ Credit Union Inc (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 | $110K | +$6K | +5.8% |
| Q1 2026 | $104K | −$7K | −6.3% |
| Q4 2025 | $111K | −$4K | −3.5% |
| Q3 2025 | $115K | $0 | 0.0% |
| Q2 2025 | $115K | +$4K | +3.6% |
| Q1 2025 | $111K | −$1K | −0.9% |
| Q4 2024 | $112K | +$6K | +5.7% |
| Q3 2024 | $106K | −$3K | −2.8% |
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, Hampton Roads Educ Credit Union Inc left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Hampton Roads Educ Credit Union Inc by share.
Amounts from Hampton Roads Educ Credit Union Inc’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per hour
per item
per month
per item
per month
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure- Savings first 90 days | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account (inactive after 12 months) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Escheat Fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconcilation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive Transfer/Withdraw of Funds (more than 6 per month) | $2Below the U.S. middle 50% ($6 to $25 nationally) | per item | None |
| Excessive Transaction Fee (limit 6 per month) | $30Not compared: Monthly charge, not per item | per month | None |
| Undeliverable Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Draft (Regardless of Reason) | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Replacement Card - regular mail | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Replacement Card - rush | $40Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer Domestic (outgoing) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Official Checks | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment on Official Checks | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Starter Checks | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing Fee (non-account holders) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Copy of Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Inactive Bill Pay (after 3 months) | $3Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Deposited Item Returned | $30Above the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Annual Fee Rental 3x5 Box | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Fee Rental 5x10 Box | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Fee Rental 5x5 Box | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Late Fee (30 days past due date) | $15Not compared: Box drilling or key fee | Not stated | None |
| Lost or Damaged Key Replacement | $30Not compared: Box drilling or key fee | Not stated | None |
| Levy, Lien, Garnishment, Collection Item, Support Payment on Your Account | $35Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Mortgage Company Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Credit Report Fee | $5Below the U.S. middle 50% ($20.15 to $96.25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Gift Card | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Fax Fee (over 5 pages) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy (History) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
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.
Where Hampton Roads Educ Credit Union Inc operates, and what regulators and customers have on file.
Branch footprint
3 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Goldsboro, NC | 1 |
| Hampton, VA | 1 |
| Newport News, VA | 1 |
Largest competitors nearby
Local market: Hampton city and Newport News city counties, VA, around its headquarters.
| 17 in its local market | Deposit share |
|---|---|
| TowneBank | 42% |
| Truist Bank | 19.7% |
| Bank of America, National Association | 14.4% |
| Wells Fargo Bank, National Association | 13.6% |
| Primis Bank | 3% |
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.