Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Morris Sheppard Texarkana Federal Credit Union

Texarkana, TexasCredit UnionDallas Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Maintenance Fee (closed within 60 days of opening)$10Within the typical range ($10–$25 nationally)

Overdraft & NSFVerified

Non-Sufficient Funds (NSF) — Paid Item$25Within the typical range ($25–$33 nationally)
$5 below the national median$5 below the Texas median
Source
Non-Sufficient Funds (NSF) — Return Item$25Within the typical range ($25–$32 nationally)
$5 below the national median$5 below the Texas median
Source

ATM & CardVerified

ATM Transaction Fee (non-owned ATMs)$0Below the typical range ($1–$2.25 nationally)
$1.50 below the national median$1.50 below the Texas median
Source
Debit Card Replacement Fee$10Within the typical range ($5–$10 nationally)
At the national median$2.50 above the Texas median
Source

Check ServicesVerified

Stop Payment Fee$20Within the typical range ($20–$30 nationally)
$7.50 below the national median$9.50 below the Texas median
Source
Photocopy of Check$1Below the typical range ($2–$5 nationally)
$2 below the national median$2 below the Texas median
Source

Cash & DepositVerified

Chargeback Fee — From Others$5Below the typical range ($8–$25 nationally)
$10 below the national median$7 below the Texas median
Source
Chargeback Fee — From Self$25Within the typical range ($8–$25 nationally)
$10 above the national median$13 above the Texas median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Account Maintenance Fee (closed within 60 days of opening)	$10Within the typical range ($10–$25 nationally)	$7.50 below the national median$5 below the Texas median	—	—	Source
Account Reconciliation	$20Within the typical range ($12–$25 nationally)	$2.50 above the national median$4.50 above the Texas median	—	—	Source
Account Research	$15Within the typical range ($12–$25 nationally)	$2.50 below the national median$0.50 below the Texas median	—	—	Source
Overdraft & NSFVerified
Non-Sufficient Funds (NSF) — Paid Item	$25Within the typical range ($25–$33 nationally)	$5 below the national median$5 below the Texas median	—	—	Source
Non-Sufficient Funds (NSF) — Return Item	$25
ATM & CardVerified
ATM Transaction Fee (non-owned ATMs)	$0Below the typical range ($1–$2.25 nationally)	$1.50 below the national median$1.50 below the Texas median	—	—	Source
Debit Card Replacement Fee	$10
Check ServicesVerified
Stop Payment Fee	$20Within the typical range ($20–$30 nationally)	$7.50 below the national median$9.50 below the Texas median	—	—	Source
Photocopy of Check	$1
Cash & DepositVerified
Chargeback Fee — From Others	$5Below the typical range ($8–$25 nationally)	$10 below the national median$7 below the Texas median	—	—	Source
Chargeback Fee — From Self	$25
Other FeesVerified
Statement Copy	$5Within the typical range ($2–$5 nationally)	$2 above the national median$2 above the Texas median	—	—	Source

Fee change alerts

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$25

Overdraft fee: $25

17% below the national median overdraft fee

12 verified fees collected

Headline fees published

6 of 15

Published fees

Under review

Assets

$13.2M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$13.2M

Total deposits

$11.7M

Service charge income (year to date)

$17K

Fee income ratio

3.9%

Return on assets

1.12%

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 67,383 published fee entries from 3,621 institutions

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