Ocala Community Federal Credit Union

Headquarters: Ocala, Florida
Charter: Credit Union
Assets: $49.3M
Fed district: Atlanta
Regulator: NCUA

23 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 1, 2026.

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
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 Nov 1, 2026

How these figures are measured

Call-report figures are for Ocala Community 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.	Ocala Community Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Ocala Community 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 $51K in Q2 2026, 22% below the same quarter a year earlier ($65K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

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

Monthly Maintenance
Ocala Community Federal Credit Union: $15
Ocala Community Federal Credit Union: $15
U.S. median: no median
NSF / Returned Item
Ocala Community Federal Credit Union: $35
Ocala Community Federal Credit Union: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Ocala Community Federal Credit Union: $30
Ocala Community Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, 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).
Florida: Banks and credit unions headquartered in Florida 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 rose 65% from Q3 2025 to Q2 2026, to $51K.

Fee income, Q2 2026

$51K

$31KQ3 2025

$50KQ4 2025

$47KQ1 2026

$51KQ2 2026

Against the median

Ocala Community 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.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Ocala Community Federal Credit Union · $49M in assets

Banks and credit unions in the Ocala, FL metro

Banks and credit unions with branches in the Ocala, FL metro: the local competitors for deposits and customers. They range from $45M 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).

Banks and credit unions
$45M to $4.1T in assets
Headquartered in 10 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Ocala Community Federal Credit Union(this institution)	Ocala, FL	$49M	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
Brannen Bank	Inverness, FL	$1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
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
Cogent Bank	Orlando, FL	$2.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fifth Third Bank, National Association	Cincinnati, OH	$299.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Federal Bank	Lake City, FL	$4.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Florida Federal Credit Union	Gainesville, FL	$2.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Gala Bank	Ocala, FL	$45M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Gte Federal Credit Union	Tampa, FL	$3.1B	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
Midflorida Federal Credit Union	Lakeland, FL	$9.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	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
PNC Bank, National Association	Wilmington, DE	$609.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Radiant Federal Credit Union	Gainesville, FL	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	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
Seacoast National Bank	Stuart, FL	$21.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
SouthState Bank, National Association	Winter Haven, FL	$68.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
TD Bank, National Association	Wilmington, DE	$342.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	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
Truist Bank	Charlotte, NC	$548.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Vystar Federal Credit Union	Jacksonville, FL	$14.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
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

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $5 (50%) above the median of local competitors.

Its published price is $15, against a peer median of $10 among 17 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 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

Ocala Community Federal C…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 3, 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 Ocala Community 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: $51K
vs prior quarter: +$4K+8.5%; from Q1 2026
vs a year earlier: −$14K−21.5%; from Q2 2025
vs start of range: −$21K−29.2%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Ocala Community 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	$51K	+$4K	+8.5%
Q1 2026	$47K	−$3K	−6.0%
Q4 2025	$50K	+$19K	+61.3%
Q3 2025	$31K	−$34K	−52.3%
Q2 2025	$65K	+$16K	+32.7%
Q1 2025	$49K	−$8K	−14.0%
Q4 2024	$57K	−$15K	−20.8%
Q3 2024	$72K	−$5K	−6.5%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

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

Account Maintenance

Money Management Maintenance Fee$15
per month
Closed Account Fee$5
Dormant Fee$10
Account Reconciliation Fee$40
Paper Statement Fee$2
Return Mail Fee$10

Overdraft & NSF

Non-Sufficient Funds Check Fee (NSF)$35
Returned Item Fee$35

ATM & Card

Check Cards Replacement Fee$15
Debit Card Replacement$15
per item

Wire Transfers

Outgoing Wire Transfer Fee$30
Incoming Wire Fee$5

Check Services

Teller/Cashiers Check Fee$5
Stop Payment Fee$25
Temporary Checks (8 Checks)$5
per item
Non-Member Check Cashing Fee (audience not stated, treated as personal)1%

Cash & Deposit

Coin Counter Non-Member Fee8%
MasterCard Cash Advance Fee$12

Account Services

Notary Service FeeNo charge
Notary Service Non-Member Fee$5
3 x 5 …No charge
Safe Deposit Box 3 x 10$50
Safe Deposit Box 5 x 10$70

Lending Fees

Loan Late Fee$15
MasterCard Classic Late Fee$15
MasterCard Gold Late Fee$20
Loan Origination Fee$100

Retirement & IRA

IRA excessive withdrawal Fee$5
Premium Checking Maintenance Fee IRA & HSA Plan Closing Fee$25

Other Fees

FedEx Fee$75
Fax/Copy Fee$1
per item
Loan Extension Fee$25
Loan Skip-A-Pay Fee$50

Fee	Amount	Basis	Note
Account Maintenance
Money Management Maintenance Fee	$15	per month	None
Closed Account Fee	$5	Not stated	None
Dormant Fee	$10	Not stated	None
Account Reconciliation Fee	$40	Not stated	None
Paper Statement Fee	$2	Not stated	None
Return Mail Fee	$10	Not stated	None
Overdraft & NSF
Non-Sufficient Funds Check Fee (NSF)	$35	Not stated	None
Returned Item Fee	$35	Not stated	None
ATM & Card
Check Cards Replacement Fee	$15	Not stated	None
Debit Card Replacement	$15	per item	None
Wire Transfers
Outgoing Wire Transfer Fee	$30	Not stated	None
Incoming Wire Fee	$5	Not stated	None
Check Services
Teller/Cashiers Check Fee	$5	Not stated	None
Stop Payment Fee	$25	Not stated	None
Temporary Checks (8 Checks)	$5	per item	None
Non-Member Check Cashing Fee (audience not stated, treated as personal)	1%	Not stated	None
Cash & Deposit
Coin Counter Non-Member Fee	8%	Not stated	None
MasterCard Cash Advance Fee	$12	Not stated	None
Account Services
Notary Service Fee	No charge	Not stated	None
Notary Service Non-Member Fee	$5	Not stated	None
3 x 5 …	No charge	Not stated	None
Safe Deposit Box 3 x 10	$50	Not stated	None
Safe Deposit Box 5 x 10	$70	Not stated	None
Lending Fees
Loan Late Fee	$15	Not stated	None
MasterCard Classic Late Fee	$15	Not stated	None
MasterCard Gold Late Fee	$20	Not stated	None
Loan Origination Fee	$100	Not stated	None
Retirement & IRA
IRA excessive withdrawal Fee	$5	Not stated	None
Premium Checking Maintenance Fee IRA & HSA Plan Closing Fee	$25	Not stated	None
Other Fees
FedEx Fee	$75	Not stated	None
Fax/Copy Fee	$1	per item	None
Loan Extension Fee	$25	Not stated	None
Loan Skip-A-Pay Fee	$50	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 1, 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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