16 published fees; none has a market median to compare yet.
Source: its fee schedule, read Feb 17, 2026.
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 Feb 17, 2026
Call-report figures are for Emblem 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. | Emblem Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Feb 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $768K in Q2 2026, 7.0% below the same quarter a year earlier ($826K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 1.5% from Q3 2025 to Q2 2026, to $768K.
$768K
Emblem Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Emblem Credit Union · $628M 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 |
|---|---|---|---|---|---|---|---|
| Emblem Credit Union(this institution) | Gadsden, AL | $628M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Adventure Federal Credit Union | Grand Rapids, MI | $646M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Beehive Federal Credit Union | Rexburg, ID | $648M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central Willamette Federal Credit Union | Albany, OR | $618M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| City Federal Credit Union | Dallas, TX | $630M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Co-Op Federal Credit Union | Black River Falls, WI | $627M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Coast360 Federal Credit Union | Maite, GU | $633M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Dugood Federal Credit Union | Beaumont, TX | $609M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Educators Federal Credit Union | Waco, TX | $610M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Embers Federal Credit Union | Marquette, MI | $622M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Evergreen Federal Credit Union | Portland, ME | $645M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fedex Employees Credit Association Federal Credit Union | Memphis, TN | $641M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Floridacentral Federal Credit Union | Tampa, FL | $622M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| G.P.O. Federal Credit Union | New Hartford, NY | $630M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Homeland Federal Credit Union | Chillicothe, OH | $624M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| I.L.W.U. Federal Credit Union | Long Beach, CA | $608M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Inova Federal Credit Union | Elkhart, IN | $643M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Insight Federal Credit Union | Winter Springs, FL | $629M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Johns Hopkins Federal Credit Union | Baltimore, MD | $637M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Metro Credit Union | Omaha, NE | $646M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Minnco Federal Credit Union | Cambridge, MN | $605M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| National Police Federal Credit Union | Chicago, IL | $621M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Our Community Federal Credit Union | Shelton, WA | $638M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Partner Colorado Federal Credit Union | Arvada, CO | $644M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southpoint Financial Federal Credit Union | Sleepy Eye, MN | $609M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Town & Country Federal Credit Union | South Portland, ME | $621M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ 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.
Peer pricing snapshot
Its published price is $10, against a peer median of $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 Nov 2, 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Emblem 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 | $768K | +$6K | +0.8% |
| Q1 2026 | $762K | +$24K | +3.3% |
| Q4 2025 | $738K | −$42K | −5.4% |
| Q3 2025 | $780K | −$46K | −5.6% |
| Q2 2025 | $826K | +$41K | +5.2% |
| Q1 2025 | $785K | −$35K | −4.3% |
| Q4 2024 | $820K | +$9K | +1.1% |
| Q3 2024 | $811K | +$96K | +13.4% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Emblem Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per hour
per month · Waived if eStatements enabled. Waived for members under 18 and over 65 years of age.
per month
per item
per item
per item
per item
per item
per year
per year
per item
per item
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee | $10 | per month | None |
| Below Minimum Balance | $10 | per month | None |
| Dormant Account | $5 | per month | None |
| Account Reconciliation/Research | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $3 | per month | Waived if eStatements enabled. Waived for members under 18 and over 65 years of age. |
| Excessive Withdrawal Fee | $10 | Not stated | None |
| Bad Address | $5 | per month | None |
Overdraft & NSF | |||
| Overdraft | $20 | per item | None |
| NSF / Returned Item | $20 | per item | None |
ATM & Card | |||
| Replacement Card | $10 | per item | Original free, 1st replacement free |
| Replacement Card (Original Free, 1st Replacement Free) | $10 | per item | None |
Wire Transfers | |||
| Wire Transfer - Domestic Outgoing (audience not stated, treated as personal) | $20 | per item | None |
| Wire Transfers: Domestic Outgoing (audience not stated, treated as personal) | $20 | per item | None |
| Wire Transfer - Domestic Incoming (audience not stated, treated as personal) | $10 | per item | None |
| Wire Transfers: Domestic Incoming (audience not stated, treated as personal) | $10 | per item | None |
| Wire Transfers: International (audience not stated, treated as personal) | $35 | per item | None |
Check Services | |||
| Stop Payment | $20 | per item | None |
| Check Copies | $2 | per item | None |
Account Services | |||
| Safe Deposit Box | $65 | Not stated | None |
| Safe Deposit Box | $25 | per year | None |
| Safe Deposit Box | $40 | Not stated | None |
| Safe Deposit Box | $22.50 | per year | None |
| Safe Deposit Box | $50 | Not stated | None |
| Safe Deposit Box 10x10 (audience not stated, treated as personal) | $65 | Not stated | None |
| Safe Deposit Box 3x10 (audience not stated, treated as personal) | $25 | Not stated | None |
| Safe Deposit Box 3x5 | $17.50 | per item | None |
| Safe Deposit Box 3x5 (audience not stated, treated as personal) | $17.50 | Not stated | None |
| Safe Deposit Box 5x10 (audience not stated, treated as personal) | $40 | Not stated | None |
| Safe Deposit Box 5x5 (audience not stated, treated as personal) | $22.50 | Not stated | None |
| Verification of Deposit (VOD) (audience not stated, treated as personal) | $20 | per item | None |
| VOD (Verification of Deposit) | $20 | Not stated | None |
Other Fees | |||
| 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
per month
per month
per month
per hour
per month · Waived if eStatements enabled. Waived for members under 18 and over 65 years of age.
per month
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee | $10 | per month | None |
| Below Minimum Balance | $10 | per month | None |
| Dormant Account | $5 | per month | None |
| Account Reconciliation/Research | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $3 | per month | Waived if eStatements enabled. Waived for members under 18 and over 65 years of age. |
| Excessive Withdrawal Fee | $10 | Not stated | None |
| Bad Address | $5 | per month | None |
Overdraft & NSF | |||
| Overdraft | $20 | per item | None |
| NSF / Returned Item | $20 | per item | None |
ATM & Card | |||
| Replacement Card | $10 | per item | Original free, 1st replacement free |
| Replacement Card (Original Free, 1st Replacement Free) | $10 | per item | None |
Check Services | |||
| Cashier’s Checks | $2 | per item | None |
| Stop Payment | $20 | per item | None |
| Check Copies | $2 | per item | None |
Account Services | |||
| Safe Deposit Box | $65 | Not stated | None |
| Safe Deposit Box | $25 | per year | None |
| Safe Deposit Box | $40 | Not stated | None |
| Safe Deposit Box | $22.50 | per year | None |
| Safe Deposit Box | $50 | Not stated | None |
| Safe Deposit Box 3x5 | $17.50 | per item | None |
| VOD (Verification of Deposit) | $20 | Not stated | None |
Other Fees | |||
| Statement Copy | $1Not compared: Charged per page; comparison unavailable | per page | None |
Feb 17, 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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