Compared with Texas
4 of 10
compared fees are above the median.
6 below, 0 about the same.
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
26th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 10 compared; 6 below, 0 about the same
See the feesFee schedule read Nov 4, 2026
Call-report figures are for Morris Sheppard Texarkana 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 Texas median | Published fees above the Texas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Morris Sheppard Texarkana Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 4, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 3.9% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (26th 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 $8K in Q2 2026, about level with the same quarter a year earlier ($8K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 10 compared published fees sit above the Texas median; 6 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 Texas medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 11% from Q3 2025 to Q2 2026, to $8K. Its share of revenue, 3.9%, is below the 7.2% median for credit unions with under $300M in assets.
$8K
Morris Sheppard Texarkana 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.
Morris Sheppard Texarkana Federal Credit Union · $13M 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 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Morris Sheppard Texarkana Federal Credit Union(this institution) | Texarkana, TX | $13M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Acadiana Medical Federal Credit Union | Lafayette, LA | $14M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Atchison Village Federal Credit Union | Richmond, CA | $13M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Blaw-Knox Federal Credit Union | Mattoon, IL | $13M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cherokee County Teachers Federal Credit Union | Rusk, TX | $14M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Derry Area Federal Credit Union | Derry, PA | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fasson Employees Federal Credit Union | Painesville, OH | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fedmont Federal Credit Union | Montgomery, AL | $13M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Georgetown University Alumni And St Federal Credit Union | Washington, DC | $14M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Kraftcor Federal Credit Union | Hawesville, KY | $12M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Local 1233 Federal Credit Union | Newark, NJ | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Local 24 Employees Federal Credit Union | Pasadena, TX | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mississippi Highway Safty Pat Federal Credit Union | Jackson, MS | $13M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| P C Federal Credit Union | Port Allegany, PA | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Quaker Oats Federal Credit Union | Cedar Rapids, IA | $13M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rapides General Hospital Empl Federal Credit Union | Alexandria, LA | $13M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Springfield City Employees Federal Credit Union | Springfield, IL | $13M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| St Joe Valley Federal Credit Union | St Maries, ID | $14M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Swemp Federal Credit Union | Texarkana, TX | $13M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Teamsters Federal Credit Union | Blaine, MN | $13M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Transfiguration Parish Federal Credit Union | Brooklyn, NY | $13M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Two Rivers Federal Credit Union | Arkadelphia, AR | $14M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Hospital Center Federal Credit Union | Bridgeport, WV | $13M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Valdosta Teachers Federal Credit Union | Valdosta, GA | $13M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Virginia State University Federal Credit Union | South Chesterfield, VA | $13M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(domestic wire)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $25 among 11 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.
Domestic wire fee in dollars, one mark per institution
Morris Sheppard Texarkana Federal Credit Union does not publish a domestic wire fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Morris Sheppard Texarkana 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 | $8K | −$1K | −11.1% |
| Q1 2026 | $9K | −$1K | −10.0% |
| Q4 2025 | $10K | +$1K | +11.1% |
| Q3 2025 | $9K | +$1K | +12.5% |
| Q2 2025 | $8K | $0 | 0.0% |
| Q1 2025 | $8K | −$2K | −20.0% |
| Q4 2024 | $10K | +$1K | +11.1% |
| Q3 2024 | $9K | +$2K | +28.6% |
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, Morris Sheppard Texarkana 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 Morris Sheppard Texarkana Federal Credit Union by share.
Amounts from Morris Sheppard Texarkana Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per day
per day
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Maintenance Fee (closed within 60 days of opening) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Reconciliation | $20Inside the U.S. middle 50% ($6.63 to $25 nationally) | Not stated | None |
| Account Research | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Non-Sufficient Funds (NSF) — Paid Item | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) — Return Item | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF Paid Item Daily Cap (audience not stated, treated as personal) | $100Inside the U.S. middle 50% ($100 to $160 nationally) | per day | None |
| NSF Return Item Daily Cap (audience not stated, treated as personal) | $100Inside the U.S. middle 50% ($100 to $160 nationally) | per day | None |
ATM & Card | |||
| Debit Card Replacement Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Stop Payment Fee | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Photocopy of Check | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Chargeback Fee — From Others | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
| Chargeback Fee — From Self | $25Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Skip Payment Fee | $20Inside the U.S. middle 50% ($20 to $37.50 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
Nov 4, 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 Morris Sheppard Texarkana Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Texarkana, TX | 2 |
Largest competitors nearby
Local market: Bowie county, TX, around its headquarters.
| 22 in its local market | Deposit share |
|---|---|
| Farmers Bank & Trust Company | 21.6% |
| Glacier Bank | 16% |
| State Bank of De Kalb | 14.9% |
| The Huntington National Bank | 10.6% |
| Wells Fargo Bank, National Association | 6.7% |
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.