19 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 19, 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 Oct 19, 2026
Call-report figures are for Southern Pine 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) 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. | Southern Pine Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 19, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $8K in Q2 2026, 60% above the same quarter a year earlier ($5K).
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.
Monthly Maintenance
NSF / Returned Item
Wire Transfer (Domestic Out)
A blank median means fewer than 5 publish the fee.
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 was about level from Q3 2025 to Q2 2026, at $8K.
$8K
Southern Pine Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Southern Pine Federal Credit Union · $28M in assets
Banks and credit unions in the Valdosta, GA metro
Banks and credit unions with branches in the Valdosta, GA metro: the local competitors for deposits and customers. They range from $13M to $2.7T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Southern Pine Federal Credit Union(this institution) | Lake Park, GA | $28M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ameris Bank | Atlanta, GA | $28.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank of America, National Association | Charlotte, NC | $2.7T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank OZK | Little Rock, AR | $41.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Barwick Banking Company | Barwick, GA | $830M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Colony Bank | Fitzgerald, GA | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Federal Savings and Loan Association of Valdosta | Valdosta, GA | $278M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pinnacle Bank | Nashville, TN | $128.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Regions Bank | Birmingham, AL | $159.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Renasant Bank | Tupelo, MS | $27B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southeastern Federal Credit Union | Valdosta, GA | $441M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Truist Bank | Charlotte, NC | $548.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Valdosta Teachers Federal Credit Union | Valdosta, GA | $13M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
12 peers selected · 8 publish this fee(monthly maintenance)
4 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $0, against a peer median of $10 among 8 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 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.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Southern Pine 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 | $8K | +$1K | +14.3% |
| Q1 2026 | $7K | $0 | 0.0% |
| Q4 2025 | $7K | −$1K | −12.5% |
| Q3 2025 | $8K | +$3K | +60.0% |
| Q2 2025 | $5K | −$1K | −16.7% |
| Q1 2025 | $6K | $0 | 0.0% |
| Q4 2024 | $6K | −$1K | −14.3% |
| Q3 2024 | $7K | −$1K | −12.5% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Southern Pine Federal Credit Union’s own schedules, with a source for each figure.
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Share Draft Account Monthly Maintenance | No charge | per month | None |
| Dormant Account Monthly fee for up to 12 months | $5 | per month | None |
| Account Research (Per hour / One hour minimum) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Statement Mail (After second notification to member) | $5 | Not stated | None |
Overdraft & NSF | |||
| NSF (Non‐Sufficient funds) | $25 | Not stated | None |
ATM & Card | |||
| New/Replacement Travel Money Card | $5 | per item | None |
| Visa Debit Card Replacement/Reissue Fee | $20 | Not stated | None |
| Visa Debit Card Rush Order Fee | $25 | per item | None |
Wire Transfers | |||
| Domestic Wire Transfer (Outgoing) | $20 | Not stated | None |
| Incoming Wire | $10 | per item | None |
Check Services | |||
| Official Check to Third Party (After three (3) free per month) | $3 | Not stated | None |
| Stop Payment Check/ACH Request (Signature required) | $25 | per item | None |
| Check Cashing (Non‐Members) | $5 | Not stated | None |
| Copy of Cancelled Check | $5 | Not stated | None |
Cash & Deposit | |||
| Returned Check Deposit Fee | $25 | Not stated | None |
Account Services | |||
| Garnishment and Levy Processing | $50 | Not stated | None |
Lending Fees | |||
| Loan Late Fee | $30 | Not stated | None |
| GA or FL Mortgage Processing Fee (ARM Residential and/or Raw Land Only) | $495 | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee | $25 | Not stated | None |
Gift & Prepaid Cards | |||
| Travel Money Card Reload | $2 | per item | None |
Other Fees | |||
| Duplicate Lien Release | $25 | Not stated | None |
| Loan Modification | $50 | Not stated | None |
Oct 19, 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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