Compared with Louisiana
1 of 13
compared fees are above the median.
7 below, 5 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
69th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Louisiana median
of 13 compared; 7 below, 5 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for Efcu Financial 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 Louisiana median | Published fees above the Louisiana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Efcu Financial Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.3% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (69th 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 $1.8M in Q2 2026, 14% 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.
1 of 13 compared published fees sit above the Louisiana median; 7 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 Louisiana medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Louisiana, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 6.1% from Q3 2025 to Q2 2026, to $1.8M. Its share of revenue, 8.3%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$1.8M
Efcu Financial 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.
Efcu Financial Federal Credit Union · $1.3B 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 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Efcu Financial Federal Credit Union(this institution) | Baton Rouge, LA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Amplify Federal Credit Union | Austin, TX | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 |
| Dutrac Community Federal Credit Union | Dubuque, IA | $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 |
| Five Star Federal Credit Union | Dothan, AL | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Guardian Federal Credit Union | Prattville, AL | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gulf Coast Educators Federal Credit Union | Pasadena, TX | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Harvard Federal Credit Union | Cambridge, MA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Los Angeles Federal Credit Union | Glendale, CA | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Municipal Empl.Credit Union of Balt | Baltimore, MD | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 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 |
| 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 |
| Rave Financial Federal Credit Union | Beaumont, TX | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rev Federal Credit Union | Charleston, SC | $1.2B | Publishes Monthly maintenance | 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 |
| Sesloc Federal Credit Union | San Luis Obispo, CA | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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 |
| Sidney Federal Credit Union | Sidney, NY | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | 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 |
| State Employees Federal Credit Union | Santa Fe, NM | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | 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 |
| Wright Patman Congressional Federal Credit Union | Washington, DC | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ 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
The peer median is $7.98 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
Efcu Financial Federal Credit Union does not publish a monthly maintenance 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 Oct 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Efcu Financial 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 | $1.8M | +$86K | +4.9% |
| Q1 2026 | $1.8M | −$104K | −5.6% |
| Q4 2025 | $1.9M | +$124K | +7.2% |
| Q3 2025 | $1.7M | +$118K | +7.3% |
| Q2 2025 | $1.6M | +$60K | +3.9% |
| Q1 2025 | $1.6M | −$41K | −2.6% |
| Q4 2024 | $1.6M | +$127K | +8.7% |
| Q3 2024 | $1.5M | +$10K | +0.7% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Efcu Financial 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 Efcu Financial Federal Credit Union by share.
Amounts from Efcu Financial Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per transaction
per item
per item
per item
per item
per item
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Membership, per month | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Incorrect Address/Returned Mail, per item | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft by ATM Withdrawal, per item | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Paid, per presentment (Check, Debit Card, or ACH debit) (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds (NSF) Returned, per presentment (ACH debit) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Plastic Card Replacement, per card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Debit Card International Transaction | 1%of the transaction | per item | None |
| International Transaction | 1%of the transaction | per transaction | None |
Wire Transfers | |||
| Wire Transfer – Domestic Outgoing, per wire | $15Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer – International Outgoing, per wire | $40Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Check, per check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order, per item | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Cashier’s Check Stop Payment, per check | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payments: Order Placed, per order | $5Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payments: Order Placed,per order (audience not stated, treated as personal) | $5Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing, per check | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Item Return, per item | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| 10 x 10 (First 3 withdrawals per month) (audience not stated, treated as personal) | No chargeNot compared: Monthly charge, not annual | per month | None |
| 10 x 10, per box | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3 x 10, per box | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3 x 5, per box | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5 x 10, per box | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5 x 5, per box | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Drilling Fee & Replacement Lock (loss of key) | $200Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box (audience not stated, treated as personal) | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
Other Fees | |||
| Consumer Loan Extension/Skip, per extension/skip | $40Above the U.S. middle 50% ($20 to $37.50 nationally) | 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
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per transaction
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Membership, per month | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Incorrect Address/Returned Mail, per item | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft by ATM Withdrawal, per item | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds (NSF) Returned, per presentment (ACH debit) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Plastic Card Replacement, per card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Debit Card International Transaction | 1%of the transaction | per item | None |
| International Transaction | 1%of the transaction | per transaction | None |
Wire Transfers | |||
| Wire Transfer – Domestic Outgoing, per wire | $15Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer – International Outgoing, per wire | $40Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Check, per check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order, per item | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Cashier’s Check Stop Payment, per check | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payments: Order Placed, per order | $5Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing, per check | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Item Return, per item | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| 10 x 10, per box | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3 x 10, per box | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3 x 5, per box | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5 x 10, per box | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5 x 5, per box | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Drilling Fee & Replacement Lock (loss of key) | $200Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box | $200Not compared: Box drilling or key fee | Not stated | None |
| SHARE/SAVINGS ACCOUNT FEES | 5 x 10, per box | $45 | Not stated | None |
Oct 15, 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 Efcu Financial Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
9 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Baton Rouge, LA | 5 |
| Denham Springs, LA | 1 |
| Gonzales, LA | 1 |
| Prairieville, LA | 1 |
| Zachary, LA | 1 |
Largest competitors nearby
Local market: East Baton Rouge parish, LA, around its headquarters.
| 53 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 39.9% |
| Hancock Whitney Bank | 12.4% |
| Capital One, National Association | 11.6% |
| First Horizon Bank | 7.7% |
| b1BANK | 7.2% |
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.