Compared with Tennessee
4 of 15
compared fees are above the median.
4 below, 7 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
82nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Tennessee median
of 15 compared; 4 below, 7 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for Bcbst Employees 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 Tennessee median | Published fees above the Tennessee median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Bcbst Employees Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 13% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (82nd 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 $16K in Q2 2026, 6.7% above the same quarter a year earlier ($15K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 15 compared published fees sit above the Tennessee median; 4 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 Tennessee medians for fees published by banks and credit unions.
NSF / Returned Item
Non-Network ATM
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Tennessee, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 5.9% from Q3 2025 to Q2 2026, to $16K. Its share of revenue, 13%, is above the 7.2% median for credit unions with under $300M in assets.
$16K
Bcbst Employees 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 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.
Bcbst Employees Federal Credit Union · $8M in assets
Banks and credit unions in the Chattanooga, TN-GA metro
Banks and credit unions with branches in the Chattanooga, TN-GA metro: the local competitors for deposits and customers. They range from $7M to $4.1T 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 |
|---|---|---|---|---|---|---|---|
| Bcbst Employees Federal Credit Union(this institution) | Chattanooga, TN | $8M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 |
| CB&S Bank, Inc. | Russellville, AL | $3.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Chattanooga Federal Employees | Chattanooga, TN | $76M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Epb Employees Federal Credit Union | Chattanooga, TN | $43M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Financial Bank, National Association | Terre Haute, IN | $6.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Horizon Bank | Memphis, TN | $84.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First-Citizens Bank & Trust Company | Raleigh, NC | $236.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| FirstBank | Nashville, TN | $16.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Healthcare Services Federal Credit Union | Chattanooga, TN | $26M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| I B E W 175 Federal Credit Union | Chattanooga, TN | $14M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| JPMorgan Chase Bank, National Association | Columbus, OH | $4.1T | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Memorial Federal Credit Union | Chattanooga, TN | $7M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Millennium Bank | Ooltewah, TN | $781M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Old National Bank | Evansville, IN | $73.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Peach State Federal Credit Union | Lawrenceville, GA | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| RockPointBank, National Association | Chattanooga, TN | $384M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Scenic Community Federal Credit Union | Hixson, TN | $164M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tennessee Valley Federal Credit Union | Chattanooga, TN | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| The Huntington National Bank | Columbus, OH | $283.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Park National Bank | Newark, OH | $12.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | 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 |
| United Community Bank | Greenville, SC | $29B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wells Fargo Bank, National Association | Sioux Falls, SD | $1.9T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| WesBanco Bank, Inc. | Wheeling, WV | $27.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wilson Bank and Trust | Lebanon, TN | $6B | 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.
28 peers selected · 19 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $10 among 19 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
Bcbst Employees Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
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 Bcbst Employees 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 | $16K | −$1K | −5.9% |
| Q1 2026 | $17K | −$1K | −5.6% |
| Q4 2025 | $18K | +$1K | +5.9% |
| Q3 2025 | $17K | +$2K | +13.3% |
| Q2 2025 | $15K | −$1K | −6.3% |
| Q1 2025 | $16K | −$2K | −11.1% |
| Q4 2024 | $18K | +$2K | +12.5% |
| Q3 2024 | $16K | −$4K | −20.0% |
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, Bcbst Employees 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 Bcbst Employees Federal Credit Union by share.
Amounts from Bcbst Employees Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per year
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closed Account Within 6 Months of Opening | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Charge (Balance less than $25 and more than 1 year with no activity) | $10Not compared: Annual charge, not monthly | per year | None |
| Records Research ($15.00 minimum) | $15Inside the U.S. middle 50% ($6.44 to $25 nationally) | Not stated | None |
| Paper Statement Fee (if not enrolled in e-Statements) | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
Overdraft & NSF | |||
| NSF Fees | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection Transfers | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Withdrawals | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Re-Issue ATM / Mastercard Check Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfers | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Transfers | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders (Cameron Hill only) | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Pay Fee | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Photocopy of a Check (Less than 6 months old) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy of a Check (Over 6 months old) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy of Money Orders | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment Fee (Monthly Service Charge) | 5%($5 minimum) | per month | None |
| Late Payment Fee (Monthly Service Charge) (audience not stated, treated as personal) | 5%($5 minimum) | per month | None |
Retirement & IRA | |||
| IRA Early Withdrawal Service Fee (Under 59½ years old) | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Copy of Previous Year’s Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Duplicate Copy of Same Year’s Statement | $3.50Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Duplicate Copy of Statement 2005 and Older | $5Not 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
Nov 3, 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 Bcbst Employees Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Chattanooga, TN | 1 |
Largest competitors nearby
Local market: Hamilton county, TN, around its headquarters.
| 36 in its local market | Deposit share |
|---|---|
| First Horizon Bank | 20.8% |
| Pinnacle Bank | 20.5% |
| Truist Bank | 15.5% |
| Regions Bank | 12.9% |
| Bank of America, National Association | 5.6% |
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.