Newport News Mun. Emp Credit Union

Headquarters: Newport News, Virginia
Charter: Credit Union
Assets: $54.4M
Fed district: Richmond
Regulator: NCUA

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

Source: its fee schedule, read Oct 11, 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 11, 2026

How these figures are measured

Call-report figures are for Newport News Mun. Emp 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.	Newport News Mun. Emp Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 11, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Newport News Mun. Emp 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 $66K in Q2 2026, 10% above the same quarter a year earlier ($60K).
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)
Newport News Mun. Emp Credit Union: $30
Newport News Mun. Emp Credit Union: $30
U.S. median: no median
NSF / Returned Item
Newport News Mun. Emp Credit Union: $30
Newport News Mun. Emp Credit Union: $30
U.S. median: no median
Non-Network ATM
Compared at $0.75, the middle of its prices
Newport News Mun. Emp Credit Union: $0.50 to $1
Newport News Mun. Emp Credit Union: $0.50 to $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 11, 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 rose 10% from Q3 2025 to Q2 2026, to $66K.

Fee income, Q2 2026

$66K

$60KQ3 2025

$65KQ4 2025

$65KQ1 2026

$66KQ2 2026

Against the median

Newport News Mun. Emp 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

Newport News Mun. Emp Credit Union · $54M 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 15 states.

Credit unions only
$53M to $56M in assets
Headquartered in 15 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
Newport News Mun. Emp Credit Union(this institution)	Newport News, VA	$54M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Altonized Community Federal Credit Union	Alton, IL	$53M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bar-Cons Federal Credit Union	Columbus, IN	$53M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Brooklyn Cooperative Federal Credit Union	Brooklyn, NY	$56M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Charlotte Fire Department Federal Credit Union	Charlotte, NC	$56M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Cutting Edge Federal Credit Union	Milwaukie, OR	$53M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Electrical Federal Credit Union	Arvada, CO	$54M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Forge Federal Credit Union	Upper Darby, PA	$56M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Heart O' Texas Federal Credit Union	Waco, TX	$55M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hopewell Chemical Federal Credit Union	Hopewell, VA	$56M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Inland Valley Federal Credit Union	fontana, CA	$54M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
L. A. Electrical Workers Credit Un. Federal Credit Union	Pasadena, CA	$55M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Lancaster Red Rose Federal Credit Union	Leola, PA	$55M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lifetime Federal Credit Union	Richardson, TX	$55M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Penn Federal Credit Union	Philadelphia, PA	$54M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Post Office Employees' Federal Credit Union	Metairie, LA	$55M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Qside Federal Credit Union	Queens Village, NY	$53M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Ravenswood Federal Credit Union	Ravenswood, WV	$54M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Rockland Employees Federal Credit Union	Spring Valley, NY	$55M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Spirit Of America Federal Credit Union	Lincoln, NE	$53M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Total Choice Federal Credit Union	Hahnville, LA	$54M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
United Northwest Federal Credit Union	Norton, KS	$55M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Van Cortlandt Cooperative Federal Credit Union	Bronx, NY	$55M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Wayne County Community Federal Credit Union	Smithville, OH	$54M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Westminster Federal Credit Union	Westminster, CO	$55M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Yuma County Federal Credit Union	Yuma, CO	$53M	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 · 12 publish this fee(out-of-network atm)

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

Fee type

Peer pricing snapshot

Out-of-network ATM is $0.75 (50%) below the median of similar-sized credit unions.

Compared at $0.75, the middle of its two prices, against a peer median of $1.50 among 12 publishing peers.

Its two prices are $0.50 and $1.

$0.75 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 Nov 1, 2026.

Out-of-network ATM fee in dollars, one mark per institution

Newport News Mun. Emp Cre…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's out-of-network atm fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 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 Newport News Mun. Emp 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: $66K
vs prior quarter: +$1K+1.5%; from Q1 2026
vs a year earlier: +$6K+10.0%; from Q2 2025
vs start of range: −$3K−4.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Newport News Mun. Emp 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	$66K	+$1K	+1.5%
Q1 2026	$65K	$0	0.0%
Q4 2025	$65K	+$5K	+8.3%
Q3 2025	$60K	$0	0.0%
Q2 2025	$60K	+$1K	+1.7%
Q1 2025	$59K	−$8K	−11.9%
Q4 2024	$67K	−$2K	−2.9%
Q3 2024	$69K	+$8K	+13.1%

Fee-income share against its size cohort

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

Published fee schedule

Amounts from Newport News Mun. Emp Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Close Account (within 90 days of opening)$25
Dormant Account Fee (after 1 year of inactivity; per month if Balance < $50)$5
per month
Escheat Fee$25
Account Reconciliation (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdrafts (per item)$30
per item
NSF Transactions (per item)$30
per item
Returned NSF Drafts/ACH Debits (per item)$30
per item

ATM & Card

Balance Inquiry$0.50
Non-Proprietary ATM Network Fee (per transaction)$1
per transaction
ATM / Debit Card Replacement$5

Wire Transfers

Wire Transfers: Outgoing (domestic)$10
Wire Transfers: IncomingNo charge
Wire Transfers: Outgoing (foreign)$25

Check Services

Money Order (per item)$2
per item
Stop Payment on Check or ACH (single item)$30
Stop Payment on Credit Union Check$35
Counter Check$1
per item
Copy of Cleared Check / Share DraftNo charge

Digital & Electronic

Bill Pay Concierge$20
Bill Pay ServiceNo charge

Cash & Deposit

Returned Deposited Item$30

Account Services

Garnishment Processing$20
Balance Verification Letter$10

Retirement & IRA

IRA External Transfer$20

Gift & Prepaid Cards

Travel Money Card (new card and/or reload)$2.50
VISA Gift Card$1.50

Other Fees

Statement Copies (per statement)No charge

Fee	Amount	Basis	Note
Account Maintenance
Close Account (within 90 days of opening)	$25	Not stated	None
Dormant Account Fee (after 1 year of inactivity; per month if Balance < $50)	$5	per month	None
Escheat Fee	$25	Not stated	None
Account Reconciliation (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdrafts (per item)	$30	per item	None
NSF Transactions (per item)	$30	per item	None
Returned NSF Drafts/ACH Debits (per item)	$30	per item	None
ATM & Card
Balance Inquiry	$0.50	Not stated	None
Non-Proprietary ATM Network Fee (per transaction)	$1	per transaction	None
ATM / Debit Card Replacement	$5	Not stated	None
Wire Transfers
Wire Transfers: Outgoing (domestic)	$10	Not stated	None
Wire Transfers: Incoming	No charge	Not stated	None
Wire Transfers: Outgoing (foreign)	$25	Not stated	None
Check Services
Money Order (per item)	$2	per item	None
Stop Payment on Check or ACH (single item)	$30	Not stated	None
Stop Payment on Credit Union Check	$35	Not stated	None
Counter Check	$1	per item	None
Copy of Cleared Check / Share Draft	No charge	Not stated	None
Digital & Electronic
Bill Pay Concierge	$20	Not stated	None
Bill Pay Service	No charge	Not stated	None
Cash & Deposit
Returned Deposited Item	$30	Not stated	None
Account Services
Garnishment Processing	$20	Not stated	None
Balance Verification Letter	$10	Not stated	None
Retirement & IRA
IRA External Transfer	$20	Not stated	None
Gift & Prepaid Cards
Travel Money Card (new card and/or reload)	$2.50	Not stated	None
VISA Gift Card	$1.50	Not stated	None
Other Fees
Statement Copies (per statement)	No charge	Not stated	None

Correct a fee source

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.

Fee change alerts

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