Compared with Georgia
12 of 18
compared fees are above the median.
1 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
63rd percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Georgia median
of 18 compared; 1 below, 5 about the same
See the feesFee schedule read Aug 22, 2026
Call-report figures are for Georgia'S Own Federal 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) Year to date through the quarter. Median and percentile from each of 452 credit unions with $1B to $10B 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 Georgia median | Published fees above the Georgia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Georgia'S Own Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Aug 22, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.6% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (63rd 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 $5.2M in Q2 2026, 6.2% below the same quarter a year earlier ($5.6M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
12 of 18 compared published fees sit above the Georgia median; 1 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 Georgia medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Bank on Checking $5 · CONSUMER TRUTH-IN-SAVINGS FEE SCHEDULE $6.95 · Resolution Checking $10
Compared at $6.95, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Georgia, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 11% from Q3 2025 to Q2 2026, to $5.2M. Its share of revenue, 7.6%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$5.2M
Georgia'S Own Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $10; we compare the midpoint.
Georgia'S Own Federal Credit Union · $4.2B 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 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Georgia'S Own Federal Credit Union(this institution) | Atlanta, GA | $4.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Advia Federal Credit Union | Kalamazoo, MI | $4.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Affinity Federal Credit Union | Basking Ridge, NJ | $4.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Campus USA Federal Credit Union | Gainesville, FL | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Connexus Federal Credit Union | Wausau, WI | $4.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Covantage Federal Credit Union | Antigo, WI | $4.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Educators Federal Credit Union | Racine, WI | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Empower Federal Credit Union | Syracuse, NY | $4.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| General Electric Federal Credit Union | Cincinnati, OH | $4.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Goldenwest Federal Credit Union | Ogden, UT | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Grow Financial Federal Credit Union | Tampa, FL | $3.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Jovia Financial Federal Credit Union | Westbury, NY | $4.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Michigan Schools And Government Federal Credit Union | Clinton Township, MI | $4.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Navigant Federal Credit Union | Smithfield, RI | $4.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Numerica Federal Credit Union | Spokane Valley, WA | $4.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Nuvision Federal Credit Union | Huntington Beach, CA | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Oneaz Federal Credit Union | Phoenix, AZ | $4.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peak Federal Credit Union | Olympia, WA | $4.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Premier Members Federal Credit Union | Broomfield, CO | $4.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rogue Federal Credit Union | Medford, OR | $4.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Safe Federal Credit Union | Folsom, CA | $4.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Technology Federal Credit Union | San Jose, CA | $4.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| United Federal Credit Union | St Joseph, MI | $4.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| University Federal Credit Union | Austin, TX | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Utah Community Federal Credit Union | Provo, UT | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Valley Strong Federal Credit Union | Bakersfield, CA | $4.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $6.95, the middle of its three prices, against a peer median of $8 among 13 publishing peers.
Its three checking prices are $5, $6.95 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 Nov 1, 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 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Georgia'S Own Federal 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 | $5.2M | −$111K | −2.1% |
| Q1 2026 | $5.3M | −$564K | −9.6% |
| Q4 2025 | $5.9M | +$2K | +0.0% |
| Q3 2025 | $5.9M | +$328K | +5.9% |
| Q2 2025 | $5.6M | +$232K | +4.4% |
| Q1 2025 | $5.3M | −$308K | −5.5% |
| Q4 2024 | $5.6M | −$81K | −1.4% |
| Q3 2024 | $5.7M | +$318K | +5.9% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Georgia'S Own Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Georgia'S Own Federal Credit Union by share.
Amounts from Georgia'S Own Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per hour
per item
per item
per item
per item
per transaction
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Bank on Checking Monthly Service Charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Perks+ Monthly Service Charge | $6.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Resolution Checking Monthly Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research/Reconciliation Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Statement Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Premium Overdraft (OD) Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Bill Pay Nonsufficient Funds Fee (NSF) | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Nonsufficient Funds (NSF) Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer Fee | $6Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Out of Network ATM Fees Balance Inquiries | $3Above the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| ATM/Debit Card Replacement Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| ATM/Debit Card International Transaction Fee Cashier's Check Member Fee | $10Above the U.S. middle 50% ($0 to $2.38 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Fee wire | $50Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Outgoing Fee wire | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Fee wire | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Cashier's Check Member Fee | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Bill Pay Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks 3 checks | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
Digital & Electronic | |||
| Website Loan Payments Online Payment - Express Pay | $8Not compared: Per-occurrence charge, not monthly | per item | None |
Cash & Deposit | |||
| Returned Deposit/Payment Item Fee | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Returned Item Fee | $10Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Drilling of Box Fee | $150Not compared: Box drilling or key fee | Not stated | None |
| Duplicate Key Fee | $20Not compared: Box drilling or key fee | Not stated | None |
| Levy Fees | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Verification of Deposit/Loan Fee | $25Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Retirement & IRA | |||
| IRA Direct Transfer Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Other Document Copy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Aug 22, 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 Georgia'S Own Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
30 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
| Atlanta, GA | 3 |
| Albany, GA | 2 |
| Alpharetta, GA | 2 |
| Americus, GA | 1 |
| Augusta, GA | 1 |
| Bainbridge, GA | 1 |
| Blackshear, GA | 1 |
| Buford, GA | 1 |
Largest competitors nearby
Local market: Fulton, DeKalb and Cobb counties, GA, around its headquarters.
| 69 in its local market | Deposit share |
|---|---|
| Truist Bank | 27.1% |
| Bank of America, National Association | 22.9% |
| Wells Fargo Bank, National Association | 14.2% |
| Pinnacle Bank | 7.2% |
| JPMorgan Chase Bank, National Association | 4.7% |
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.