Compared with Virginia
7 of 21
compared fees are above the median.
10 below, 4 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
94th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Virginia median
of 21 compared; 10 below, 4 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Beacon Credit Union, Incorporated, 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 569 credit unions with $300M to $1B 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. | Beacon Credit Union, Incorporated's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 16% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (94th 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 $1.2M in Q2 2026, 12% above the same quarter a year earlier ($1.0M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 21 compared published fees sit above the Virginia median; 10 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
Monthly Maintenance
Budget Checking
Overdraft (OD)
Compared at $35, its standard fee, the highest 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 rose 5.7% from Q3 2025 to Q2 2026, to $1.2M. Its share of revenue, 16%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$1.2M
Beacon Credit Union, IncorporatedMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Overdraft: Listed at $10 to $35; we compare the highest. Non-network ATM: Listed at $1.50 to $3.50; we compare the midpoint.
Beacon Credit Union, Incorporated · $392M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Beacon Credit Union, Incorporated(this institution) | Lynchburg, VA | $392M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Abri Federal Credit Union | Romeoville, IL | $381M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alltru Federal Credit Union | Wentzville, MO | $401M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ancorum Federal Credit Union | Bath, ME | $402M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Arsenal Federal Credit Union | Arnold, MO | $387M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Avenir Financial Federal Credit Union | Yuma, AZ | $401M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cascade Federal Credit Union | Kent, WA | $393M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Case Federal Credit Union | Lansing, MI | $400M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cy-Fair Federal Credit Union | Houston, TX | $383M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fort Financial Federal Credit Union | Fort Wayne, IN | $397M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fort Sill Federal Credit Union | Lawton, OK | $394M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fremont Federal Credit Union | Fremont, OH | $391M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Houston Texas Fire Fighters Federal Credit Union | Houston, TX | $401M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ignite Federal Credit Union | Battle Creek, MI | $380M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Industrial Credit Union of Whatcom County | Bellingham, WA | $392M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mutual Security Federal Credit Union | Shelton, CT | $385M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ocean Financial Federal Credit Union | Oceanside, NY | $403M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Partnership Financial Federal Credit Union | Morton Grove, IL | $403M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Premier Federal Credit Union | Des Moines, IA | $383M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Prospera Federal Credit Union | Appleton, WI | $379M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| San Antonio Citizens Federal Credit Union | San Antonio, FL | $400M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Signet Federal Credit Union | Paducah, KY | $398M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tba Federal Credit Union | Traverse City, MI | $390M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Ten Federal Credit Union | Nashville, TN | $392M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wauna Federal Credit Union | Clatskanie, OR | $398M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Wepco Federal Credit Union | Bloomington, MD | $399M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10, the middle of its two prices, against a peer median of $5.95 among 17 publishing peers.
Its two checking prices are $10 and $10.
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 27, 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 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Beacon Credit Union, Incorporated (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 | $1.2M | +$97K | +9.1% |
| Q1 2026 | $1.1M | −$94K | −8.1% |
| Q4 2025 | $1.2M | +$60K | +5.4% |
| Q3 2025 | $1.1M | +$66K | +6.4% |
| Q2 2025 | $1.0M | +$38K | +3.8% |
| Q1 2025 | $1.0M | −$72K | −6.7% |
| Q4 2024 | $1.1M | +$32K | +3.1% |
| Q3 2024 | $1.0M | −$19K | −1.8% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Beacon Credit Union, Incorporated left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Beacon Credit Union, Incorporated by share.
Amounts from Beacon Credit Union, Incorporated’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per item
per item
per item
per item
per item
per item
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per item
per transaction
per item
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per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Budget Checking Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Closing Fee (When account is closed within first 6 months) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Account Fee (12 month no activity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconcilement (Minimum 1 hour charge) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Mail/Postal Address Change Notification | $5Below the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Reg-D Excessive Transactions | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Overdraft (OD) | $10Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Priviledge Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Bill Pay NSF Fee (excludes Budget Checking) | $40Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Debit POS Insufficient Funds | $40Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Insufficient Funds (NSF) (excludes Budget Checking) | $40Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Item (excludes Budget Checking) | $40Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Balance Inquiry | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Foreign ATM Transactions | $3.50Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Non-proprietary ATM Withdrawal/ Transfer | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Replacement Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer (Domestic Only) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier Check (on cu checks made payable to third party) | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $40Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Copy | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH - Return Item (Payment or Deposit) | $40Above the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Item Return | $10Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Drill Box W/ 2 Lost Keys | $200Not compared: Box drilling or key fee | Not stated | None |
| Replacement Key | $25Not compared: Box drilling or key fee | Not stated | None |
| Garnishment / Levy Fee | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Judge / Garnishment Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Mortgage Subordination | $50Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Verification of Deposit | $3Below the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Loan Late Payment (audience not stated, treated as personal) | 5% | Not stated | None |
Gift & Prepaid Cards | |||
| CUMONEY (Reloadable Debit Card) | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Visa Gift Cards | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Outgoing Fax | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copy | $1Not compared: Charged per page; comparison unavailable | per page | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 11, 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 Beacon Credit Union, Incorporated operates, and what regulators and customers have on file.
Branch footprint
11 offices in 1 state (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Lynchburg, VA | 4 |
| Danville, VA | 2 |
| Roanoke, VA | 2 |
| Bedford, VA | 1 |
| Buena Vista, VA | 1 |
| Madison Heights, VA | 1 |
Largest competitors nearby
Local market: Lynchburg city, Campbell and Bedford counties, VA, around its headquarters.
| 20 in its local market | Deposit share |
|---|---|
| Truist Bank | 17.7% |
| Wells Fargo Bank, National Association | 16.3% |
| First National Bank | 13.1% |
| Bank of the James | 12.1% |
| Atlantic Union Bank | 7.6% |
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.