Compared with Florida
11 of 23
compared fees are above the median.
9 below, 3 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
62nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Florida median
of 23 compared; 9 below, 3 about the same
See the feesFee schedule read Nov 1, 2026
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) 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 Florida median | Published fees above the Florida 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
Fee income was 8.9% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (62nd 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 $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.
11 of 23 compared published fees sit above the Florida median; 9 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 Florida medians for fees published by banks and credit unions.
Monthly Maintenance
NSF / Returned Item
Wire Transfer (Domestic Out)
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.
Fee income rose 65% from Q3 2025 to Q2 2026, to $51K. Its share of revenue, 8.9%, is above the 7.2% median for credit unions with under $300M in assets.
$51K
Ocala Community 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.
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).
| 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.
Peer pricing snapshot
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
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 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Ocala Community 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 | $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% |
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, Ocala Community 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 Ocala Community Federal Credit Union by share.
Amounts from Ocala Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Money Management Maintenance Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Closed Account Fee | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconciliation Fee | $40Above the U.S. middle 50% ($6.63 to $25 nationally) | Not stated | None |
| Paper Statement Fee | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Return Mail Fee | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Non-Sufficient Funds Check Fee (NSF) | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Item Fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Check Cards Replacement Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Replacement | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Wire Transfer Fee | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Teller/Cashiers Check Fee | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (8 Checks) | $5Above the U.S. middle 50% ($1 to $4 nationally) | 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 | $12Above the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Account Services | |||
| Notary Service Fee | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Service Non-Member Fee | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| 3 x 5 … | No chargeBelow the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
Lending Fees | |||
| Loan Late Fee | $15Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| MasterCard Classic Late Fee | $15Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| MasterCard Gold Late Fee | $20Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Loan Origination Fee | $100Above the U.S. middle 50% ($20.15 to $96.25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA excessive withdrawal Fee | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Premium Checking Maintenance Fee IRA & HSA Plan Closing Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| FedEx Fee | $75Above the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Fax/Copy Fee | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Loan Extension Fee | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Skip-A-Pay Fee | $50Above the U.S. middle 50% ($20 to $37.50 nationally) | 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
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.
Where Ocala Community 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.
Cities with the most offices
| Ocala, FL | 1 |
Largest competitors nearby
Local market: Marion county, FL, around its headquarters.
| 21 in its local market | Deposit share |
|---|---|
| Truist Bank | 16.4% |
| Bank of America, National Association | 14.8% |
| Wells Fargo Bank, National Association | 13.6% |
| Regions Bank | 12.5% |
| SouthState Bank, National Association | 8.4% |
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.