Southern Pine Federal Credit Union

Headquarters: Lake Park, Georgia
Charter: Credit Union
Assets: $27.6M
Fed district: Atlanta
Regulator: NCUA

Explore Hamilton View published fees

Compared with Georgia

6 of 19

compared fees are above the median.

6 below, 7 about the same.

About the same: within 1% of the median.

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
14th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Georgia median
of 19 compared; 6 below, 7 about the same
See the fees
Fee schedule read Oct 19, 2026

How these figures are measured

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) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M 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.	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

Details

Source: NCUA 5300 call report
Entity: Southern Pine Federal 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 2.2% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (14th 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 $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.
6 of 19 compared published fees sit above the Georgia median; 6 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.

Fees against the market

Comparison with Georgia medians for fees published by banks and credit unions.

NSF / Returned Item
Southern Pine Federal Credit Union: $25
Southern Pine Federal Credit Union: $25
Georgia median: $3253 publishAtlanta district median: $30336 publishU.S. median: $302,858 publish
Monthly Maintenance
Southern Pine Federal Credit Union: No fee
Southern Pine Federal Credit Union: No fee
Georgia median: $6.7340 publishAtlanta district median: $7244 publishU.S. median: $71,902 publish
Wire Transfer (Domestic Out)
Southern Pine Federal Credit Union: $20
Southern Pine Federal Credit Union: $20
Georgia median: $2043 publishAtlanta district median: $20268 publishU.S. median: $252,631 publish

Published schedulesBanks and credit unionsRead Oct 19, 2026View sources

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.

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).
Georgia: Banks and credit unions headquartered in Georgia that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 was about level from Q3 2025 to Q2 2026, at $8K. Its share of revenue, 2.2%, is below the 7.2% median for credit unions with under $300M in assets.

Fee income, Q2 2026

$8K

$8KQ3 2025

$7KQ4 2025

$7KQ1 2026

$8KQ2 2026

Against the median (GA for fees)

Share of revenue2.2% / 7.2%
Monthly maintenance$0 / $6.73

Southern Pine Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.

Is the lower share a matter of price, waivers, or a different mix of accounts?
Which fees make up most of fee income, and has that mix changed?

See a free sample report

Among its peers

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).

Banks and credit unions
$13M to $2.7T in assets
Headquartered in 6 states

See the 12 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $10 (100%) below the median of local competitors.

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

Southern Pine Federal Cre…Peer (equal prices stack)Peer medianInclude $45 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Compare local deposit competitors in Hamilton

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 Southern Pine Federal 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: $8K
vs prior quarter: +$1K+14.3%; from Q1 2026
vs a year earlier: +$3K+60.0%; from Q2 2025
vs start of range: +$1K+14.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Southern Pine Federal 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	$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%

Fee-income share against its size cohort

Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Southern Pine Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Southern Pine Federal Credit Union: 2.2%
Percentile: 14th
25th percentile: 3.7%
Median: 7.2%
75th percentile: 11%

Southern Pine Federal Credit Union 2.2%Median 7.2%Middle half 3.7% to 11.4%Peers at each share21 above 30%, counted in the last bar

Find a peer (2,932)

The 15 closest to Southern Pine Federal Credit Union by share.

Details

Source: NCUA 5300 call report
Entity: Each credit union, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026), year to date
Measure: Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: Account 131 / (Account 115 + Account 117)

Published fee schedule

Amounts from Southern Pine Federal Credit Union’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Share Draft Account Monthly MaintenanceNo charge
Below the U.S. middle 50% ($5 to $10 nationally)
per month
Dormant Account Monthly fee for up to 12 months$5
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Account Research (Per hour / One hour minimum)$20
Not compared: Charged per hour; comparison unavailable
per hour
Return Statement Mail (After second notification to member)$5
Inside the U.S. middle 50% ($5 to $7.50 nationally)

Overdraft & NSF

NSF (Non‐Sufficient funds)$25
Inside the U.S. middle 50% ($25 to $32 nationally)

Fee	Amount	Basis	Note
Account Maintenance
Share Draft Account Monthly Maintenance	No chargeBelow the U.S. middle 50% ($5 to $10 nationally)	per month	None
Dormant Account Monthly fee for up to 12 months	$5Inside the U.S. middle 50% ($5 to $10 nationally)	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)	$5Inside the U.S. middle 50% ($5 to $7.50 nationally)	Not stated	None
Overdraft & NSF
NSF (Non‐Sufficient funds)	$25Inside the U.S. middle 50% ($25 to $32 nationally)	Not stated	None
ATM & Card
New/Replacement Travel Money Card	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per item	None
Visa Debit Card Replacement/Reissue Fee	$20Above the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Visa Debit Card Rush Order Fee	$25Below the U.S. middle 50% ($30 to $50 nationally)	per item	None
Wire Transfers
Domestic Wire Transfer (Outgoing)	$20Inside the U.S. middle 50% ($20 to $25 nationally)	Not stated	None
Incoming Wire	$10Inside the U.S. middle 50% ($5 to $15 nationally)	per item	None
Check Services
Official Check to Third Party (After three (3) free per month)	$3Inside the U.S. middle 50% ($3 to $6 nationally)	Not stated	None
Stop Payment Check/ACH Request (Signature required)	$25Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Check Cashing (Non‐Members)	$5Inside the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Copy of Cancelled Check	$5Inside the U.S. middle 50% ($2 to $5 nationally)	Not stated	None
Cash & Deposit
Returned Check Deposit Fee	$25Inside the U.S. middle 50% ($9 to $25 nationally)	Not stated	None
Account Services
Garnishment and Levy Processing	$50Inside the U.S. middle 50% ($30 to $85 nationally)	Not stated	None
Lending Fees
Loan Late Fee	$30Above the U.S. middle 50% ($15 to $25 nationally)	Not stated	None
GA or FL Mortgage Processing Fee (ARM Residential and/or Raw Land Only)	$495Above the U.S. middle 50% ($20.15 to $96.25 nationally)	Not stated	None
Retirement & IRA
IRA Transfer Fee	$25Inside the U.S. middle 50% ($25 to $35 nationally)	Not stated	None
Gift & Prepaid Cards
Travel Money Card Reload	$2Below the U.S. middle 50% ($3 to $4.95 nationally)	per item	None
Other Fees
Duplicate Lien Release	$25Inside the U.S. middle 50% ($20 to $37.50 nationally)	Not stated	None
Loan Modification	$50Above the U.S. middle 50% ($20 to $37.50 nationally)	Not stated	None

Showing 5 of 22 fees.

Correct a fee source

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.

Branches and public record

Where Southern Pine Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

2 offices in 1 state (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

Cities with the most offices

Valdosta, GA

Largest competitors nearby

Local market: Lowndes county, GA, around its headquarters.

18 in its local market	Deposit share
Pinnacle Bank	16.9%
Guardian Bank	12.6%
Ameris Bank	10.5%
Bank of America, National Association	9.9%
Renasant Bank	8.1%

Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.

Fee change alerts

Southern Pine Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Monthly maintenance is $10 (100%) below the median of local competitors.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Southern Pine Federal Credit Union changes in our data

Southern Pine Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Monthly maintenance is $10 (100%) below the median of local competitors.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Southern Pine Federal Credit Union changes in our data