Compared with Florida
1 of 14
compared fees are above the median.
7 below, 6 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
64th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Florida median
of 14 compared; 7 below, 6 about the same
See the feesFee schedule read Oct 7, 2026
Call-report figures are for Educational 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. | Educational Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 7, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.7% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (64th 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 $1.9M in Q2 2026, 14% above the same quarter a year earlier ($1.7M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
1 of 14 compared published fees sit above the Florida 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 Florida medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $0.63, the middle of its prices
Monthly Maintenance
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 rose 8.4% from Q3 2025 to Q2 2026, to $1.9M. Its share of revenue, 7.7%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$1.9M
Educational 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. *Non-network ATM: Listed at $0.25 to $1; we compare the midpoint.
Educational Federal Credit Union · $1.8B 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Educational Federal Credit Union(this institution) | Miami, FL | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bay Federal Credit Union | Capitola, CA | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union 1 | Anchorage, AK | $1.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Credit Union of America | Wichita, KS | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Datcu Federal Credit Union | Denton, TX | $1.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fibre Federal Credit Union | Longview, WA | $1.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Frontwave Federal Credit Union | Oceanside, CA | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Greater Nevada Federal Credit Union | Carson City, NV | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greylock Federal Credit Union | Pittsfield, MA | $1.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Honor Federal Credit Union | Berrien Springs, MI | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Horizon Federal Credit Union | Spokane Valley, WA | $2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kemba Federal Credit Union | West Chester, OH | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Marion And Polk Schools Federal Credit Union | Salem, OR | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Merck Employees Federal Credit Union | Rahway, NJ | $1.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Mid-Hudson Valley Federal Credit Union | Kingston, NY | $1.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Monterra Federal Credit Union | Redwood City, CA | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Publix Employees Federal Credit Union | Lakeland, FL | $1.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Safe Federal Credit Union | Sumter, SC | $2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Scott Federal Credit Union | Edwardsville, IL | $1.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| St. Mary'S Bank Federal Credit Union | Manchester, NH | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Superior Credit Union, Inc | Lima, OH | $2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Truwest Federal Credit Union | Scottsdale, AZ | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Tyndall Federal Credit Union | Panama City, FL | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Heritage Federal Credit Union | Austin, TX | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Unitus Community Federal Credit Union | Tigard, OR | $1.8B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| University Of Kentucky Federal Credit Union | Lexington, KY | $1.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $5.50 among 12 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 Educational 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 | $1.9M | −$24K | −1.2% |
| Q1 2026 | $1.9M | +$175K | +9.9% |
| Q4 2025 | $1.8M | −$2K | −0.1% |
| Q3 2025 | $1.8M | +$85K | +5.1% |
| Q2 2025 | $1.7M | −$33K | −1.9% |
| Q1 2025 | $1.7M | +$114K | +7.1% |
| Q4 2024 | $1.6M | −$24K | −1.5% |
| Q3 2024 | $1.6M | +$62K | +4.0% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Educational 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 Educational Federal Credit Union by share.
Amounts from Educational Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Plus Foreign: Monthly Maintenance Fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| CO-OP ATM Withdrawals | $0.25Below the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Foreign ATM Withdrawals | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| International Transaction Fee | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: International (audience not stated, treated as personal) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Check Printing: 10 x 10 | $110Above the U.S. middle 50% ($0.20 to $18.69 nationally) | Not stated | None |
| Stop Payment Request | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Copies | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Account Services | |||
| Lost Key Replacement | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 3 x 10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment/Levy/Court Order | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Statement Copies | $2Inside the U.S. middle 50% ($2 to $5 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
Oct 7, 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 Educational Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
10 offices in 1 state (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
| Miami, FL | 7 |
| Homestead, FL | 1 |
| Miami Lakes, FL | 1 |
| Miramar, FL | 1 |
Largest competitors nearby
Local market: Miami-Dade county, FL, around its headquarters.
| 68 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 13.4% |
| JPMorgan Chase Bank, National Association | 11.1% |
| City National Bank of Florida | 8.8% |
| Wells Fargo Bank, National Association | 8.7% |
| BankUnited, National Association | 8.1% |
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.