Fees from its schedule are under review and appear here once review is done.
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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
80th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 31, 2026
Call-report figures are for First Commerce 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 452 credit unions with $1B to $10B 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 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. | First Commerce Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.6% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (80th 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 $2.0M in Q2 2026, 22% above the same quarter a year earlier ($1.6M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Call reports for First Commerce 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 | $2.0M | +$147K | +8.0% |
| Q1 2026 | $1.8M | +$65K | +3.7% |
| Q4 2025 | $1.8M | −$37K | −2.0% |
| Q3 2025 | $1.8M | +$184K | +11.3% |
| Q2 2025 | $1.6M | +$99K | +6.5% |
| Q1 2025 | $1.5M | −$81K | −5.0% |
| Q4 2024 | $1.6M | +$31K | +2.0% |
| Q3 2024 | $1.6M | +$88K | +5.9% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, First Commerce 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 First Commerce Federal Credit Union by share.
They stay out of every comparison until review is done.
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| For added protection, Power Checking + CoverMe costs Monthly service charge (audience not stated, treated as personal) | $3.99 | per month | None |
| Monthly fee (audience not stated, treated as personal) | $10 | per month | None |
| Monthly fee (audience not stated, treated as personal) | $10 | per month | None |
| Monthly fee (audience not stated, treated as personal) | $10 | per month | None |
| Monthly fee on balances below $2,500 (audience not stated, treated as personal) | $10 | per month | None |
| Power Checking + CoverMe Monthly service charge (audience not stated, treated as personal) | $3.99 | per month | None |
Overdraft & NSFUnder review | |||
| Courtesy Pay Protection beyond (audience not stated, treated as personal) | $50 | Not stated | None |
Other feesUnder review | |||
| Loan amounts range from (audience not stated, treated as personal) | $10,000 | Not stated | None |
| Monthly fee (audience not stated, treated as personal) | $10 | per month | None |
| Monthly fee (Money Market Account) (audience not stated, treated as personal) | $10 | per month | None |
| Monthly fee on Money Market Account balances below $2,500 (audience not stated, treated as personal) | $10 | per month | None |
| Up to 20 years (audience not stated, treated as personal) | $10,000 | per year | None |
| up to 90% of market value (audience not stated, treated as personal) | $10,000 | 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
Oct 31, 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 First Commerce Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
14 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Tallahassee, FL | 6 |
| Valdosta, GA | 3 |
| Adel, GA | 1 |
| Marianna, FL | 1 |
| Nashville, GA | 1 |
| Panama City, FL | 1 |
| Thomasville, GA | 1 |
Largest competitors nearby
Local market: Leon county, FL, around its headquarters.
| 23 in its local market | Deposit share |
|---|---|
| Capital City Bank | 18% |
| Bank of America, National Association | 15.8% |
| Wells Fargo Bank, National Association | 13% |
| Truist Bank | 12.6% |
| Hancock Whitney Bank | 7.5% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows