Compared with Florida
3 of 20
compared fees are above the median.
14 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
79th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Florida median
of 20 compared; 14 below, 3 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Gulf Winds 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 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. | Gulf Winds Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.4% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (79th 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 $2.1M in Q2 2026, 0.8% above the same quarter a year earlier ($2.1M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 20 compared published fees sit above the Florida median; 14 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.
Non-Network ATM
Monthly Maintenance
MyOpportunity Checking Share Draft
Overdraft (OD)
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 fell 1.5% from Q3 2025 to Q2 2026, to $2.1M. Its share of revenue, 9.4%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$2.1M
Gulf Winds 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Gulf Winds Federal Credit Union · $1.4B in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Gulf Winds Federal Credit Union(this institution) | Pensacola, FL | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| American First Federal Credit Union | Brea, CA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Avadian Federal Credit Union | Birmingham, AL | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cobalt Federal Credit Union | Papillion, NE | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Directions Federal Credit Union | Toledo, OH | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Educational Systems Federal Credit Union | Greenbelt, MD | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Efcu Financial Federal Credit Union | Baton Rouge, LA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers Insurance Federal Credit Union | Los Angeles, CA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Great Lakes Federal Credit Union | Bannockburn, IL | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Island Federal Credit Union | Hauppauge, NY | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Leaders Credit Union | Jackson, TN | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Los Angeles Police Federal Credit Union | Van Nuys, CA | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Neighbors Federal Credit Union | Baton Rouge, LA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Notre Dame Federal Credit Union | Notre Dame, IN | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Orion Federal Credit Union | Memphis, TN | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pacific Service Federal Credit Union | Concord, CA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Park Federal Credit Union | Louisville, KY | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Patriot Federal Credit Union | Chambersburg, PA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Quorum Federal Credit Union | Purchase, NY | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rize Federal Credit Union | El Monte, CA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sandia Area Federal Credit Union | Albuquerque, NM | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sharon & Crescent United Federal Credit Union | Sharon, MA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sharonview Federal Credit Union | Fort Mill, SC | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Silver State Schools Federal Credit Union | Las Vegas, NV | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Southland Federal Credit Union | Los Alamitos, CA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Truity Federal Credit Union | Bartlesville, OK | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10.95, against a peer median of $10 among 15 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 Oct 27, 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.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Gulf Winds Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 30 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $2.1M | −$47K | −2.2% |
| Q1 2026 | $2.2M | −$82K | −3.7% |
| Q4 2025 | $2.2M | +$97K | +4.5% |
| Q3 2025 | $2.1M | +$48K | +2.3% |
| Q2 2025 | $2.1M | +$92K | +4.6% |
| Q1 2025 | $2.0M | −$89K | −4.3% |
| Q4 2024 | $2.1M | +$73K | +3.6% |
| Q3 2024 | $2.0M | +$118K | +6.2% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Gulf Winds 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 Gulf Winds Federal Credit Union by share.
Amounts from Gulf Winds Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per item
per month
per hour · Account Research Fee | $25.00 per hour
per item
per item
per item
per item
per item
per item
per item · 4 checks for $3.00
per item
per item
per item
per item
per item
per item
per year
per year
per year
per year
per year
per year
per year
per year
per year
per year
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| MyOpportunity Checking Share Draft Monthly service charge (audience not stated, treated as personal) | $10.95Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Primary Share Account Closure Fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
| Dormant Account (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research Fee (audience not stated, treated as personal) | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Research Fee | $25.00 per hour |
| Returned Mail Fee | $10Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft Privilege Fee (audience not stated, treated as personal) | $29.50Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item NSF Fee (Non-Sufficient Funds) (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Non-Proprietary ATM Transaction Fees: Cash Withdrawals (audience not stated, treated as personal) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| VISA Debit Card Replacement Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| VISA Foreign Transaction Fee | 1%of the transaction | Not stated | None |
| VISA Foreign Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fees: Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fees: Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check Fee/Third Party Check Withdrawal Fee (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Bill Payment Stop Payment Fee | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | 4 checks for $3.00 |
| Check Cashing Fee - Members (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Cashing Fee - Non-members (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Collection Item Fee (audience not stated, treated as personal) | $15Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Collection Item Return Fee (audience not stated, treated as personal) | $18Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copy Fee (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Coin Machine Fee - Members (audience not stated, treated as personal) | 3% | Not stated | None |
| Coin Machine Fee - Non-members (audience not stated, treated as personal) | 7% | Not stated | None |
| VISA Credit Card Cash Advance Fee | 3%of the advance | Not stated | None |
| VISA Credit Card Cash Advance Fee (audience not stated, treated as personal) | 3%of the advance | Not stated | None |
| Returned Deposit Fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Returned Deposit Fee for Item To & From Same Member (audience not stated, treated as personal) | $20Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Rental - 10x10 | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Rental - 3x10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Rental - 3x5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Rental - 5x10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Rental - 5x5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Rental - 10x10 (audience not stated, treated as personal) | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Rental - 3x10 (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Rental - 3x5 (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Rental - 5x10 (audience not stated, treated as personal) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Rental - 5x5 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Levy & Garnishment Processing Fee (audience not stated, treated as personal) | $125Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Other Fees | |||
| Debit Card Fedex Fee (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Document Copy Fee (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copy Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per item
per year
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Business Share Account Closure Fee | $10 | per item | None |
| Business Share Draft Account Reconciliation Fee | $25 | per item | None |
| Returned Mail Fee | $10Not compared: Per-item charge, not monthly | per item | None |
ATM & Card | |||
| VISA Debit Card Replacement Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| VISA Foreign Transaction Fee | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fees: Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fees: Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Bill Payment Stop Payment Fee | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | 4 checks for $3.00 |
Cash & Deposit | |||
| VISA Credit Card Cash Advance Fee | 3%of the advance | Not stated | None |
Account Services | |||
| Rental - 10x10 | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Rental - 3x10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Rental - 3x5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Rental - 5x10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Rental - 5x5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
Other Fees | |||
| Statement Copy Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Nov 2, 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 Gulf Winds Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
13 offices in 2 states (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
| Pensacola, FL | 5 |
| Tallahassee, FL | 2 |
| Atmore, AL | 1 |
| Brewton, AL | 1 |
| Crawfordville, FL | 1 |
| Gulf Breeze, FL | 1 |
| Milton, FL | 1 |
| Monroeville, AL | 1 |
Largest competitors nearby
Local market: Escambia county, FL, around its headquarters.
| 22 in its local market | Deposit share |
|---|---|
| Regions Bank | 16.1% |
| Pinnacle Bank | 13.6% |
| Bank of America, National Association | 11.6% |
| Hancock Whitney Bank | 11% |
| Truist Bank | 10.2% |
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.