Morris Sheppard Texarkana Federal Credit Union

Headquarters: Texarkana, Texas
Charter: Credit Union
Assets: $13.2M
Fed district: Dallas
Regulator: NCUA

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

Source: its fee schedule, read Nov 4, 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 4, 2026

How these figures are measured

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) 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.	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

Details

Source: NCUA 5300 call report
Entity: Morris Sheppard Texarkana 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 $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.

Fees against the market

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

Overdraft (OD)
Morris Sheppard Texarkana Federal Credit Union: $25
Morris Sheppard Texarkana Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Morris Sheppard Texarkana Federal Credit Union: $25
Morris Sheppard Texarkana Federal Credit Union: $25
U.S. median: no median
Stop Payment
Morris Sheppard Texarkana Federal Credit Union: $20
Morris Sheppard Texarkana Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

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.

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).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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 fell 11% from Q3 2025 to Q2 2026, to $8K.

Fee income, Q2 2026

$8K

$9KQ3 2025

$10KQ4 2025

$9KQ1 2026

$8KQ2 2026

Against the median

Morris Sheppard Texarkana 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

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.

Credit unions only
$12M to $14M in assets
Headquartered in 20 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
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.

Fee type

Peer pricing snapshot

Morris Sheppard Texarkana Federal Credit Union does not publish a domestic wire fee in the index.

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.

Morris Sheppard Texarkana…Peer (equal prices stack)Peer median

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.

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 Morris Sheppard Texarkana 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: $8K
vs prior quarter: −$1K−11.1%; from Q1 2026
vs a year earlier: $00.0%; from Q2 2025
vs start of range: −$1K−11.1%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Morris Sheppard Texarkana 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	$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%

Fee-income share against its size cohort

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

Published fee schedule

Amounts from Morris Sheppard Texarkana Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Maintenance Fee (closed within 60 days of opening)$10
Account Reconciliation$20
Account Research$15
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Non-Sufficient Funds (NSF) — Paid Item$25
Non-Sufficient Funds (NSF) — Return Item$25
NSF Paid Item Daily Cap (audience not stated, treated as personal)$100
per day
NSF Return Item Daily Cap (audience not stated, treated as personal)$100
per day

ATM & Card

Debit Card Replacement Fee$10

Check Services

Stop Payment Fee$20
Photocopy of Check$1

Cash & Deposit

Chargeback Fee — From Others$5
Chargeback Fee — From Self$25

Other Fees

Statement Copy$5
Loan Skip Payment Fee$20
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Maintenance Fee (closed within 60 days of opening)	$10	Not stated	None
Account Reconciliation	$20	Not stated	None
Account Research	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Non-Sufficient Funds (NSF) — Paid Item	$25	Not stated	None
Non-Sufficient Funds (NSF) — Return Item	$25	Not stated	None
NSF Paid Item Daily Cap (audience not stated, treated as personal)	$100	per day	None
NSF Return Item Daily Cap (audience not stated, treated as personal)	$100	per day	None
ATM & Card
Debit Card Replacement Fee	$10	Not stated	None
Check Services
Stop Payment Fee	$20	Not stated	None
Photocopy of Check	$1	Not stated	None
Cash & Deposit
Chargeback Fee — From Others	$5	Not stated	None
Chargeback Fee — From Self	$25	Not stated	None
Other Fees
Statement Copy	$5	Not stated	None
Loan Skip Payment Fee	$20	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

Correct a fee source

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.

Fee change alerts

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