Hawaiian Electric Employees Federal Credit Union

Headquarters: Honolulu, Hawaii
Charter: Credit Union
Assets: $37.1M
Fed district: San Francisco
Regulator: NCUA

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

Source: its fee schedule, read Oct 26, 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 Oct 26, 2026

How these figures are measured

Call-report figures are for Hawaiian Electric Employees 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.	Hawaiian Electric Employees Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 26, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Hawaiian Electric Employees 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 $5K in Q2 2026, about level with the same quarter a year earlier ($5K).
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.

NSF / Returned Item
Compared at $25, the middle of its prices
Hawaiian Electric Employees Federal Credit Union: $15 to $25
Hawaiian Electric Employees Federal Credit Union: $15 to $25
U.S. median: no median
Non-Network ATM
Hawaiian Electric Employees Federal Credit Union: $0.50
Hawaiian Electric Employees Federal Credit Union: $0.50
U.S. median: no median
Wire Transfer (Domestic Out)
Hawaiian Electric Employees Federal Credit Union: $35
Hawaiian Electric Employees Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Hawaii, the San Francisco 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).
Hawaii: Banks and credit unions headquartered in Hawaii that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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 17% from Q3 2025 to Q2 2026, to $5K.

Fee income, Q2 2026

$5K

$6KQ3 2025

$5KQ4 2025

$5KQ1 2026

$5KQ2 2026

Against the median

Hawaiian Electric Employees 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

Hawaiian Electric Employees Federal Credit Union · $37M 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 17 states.

Credit unions only
$36M to $38M in assets
Headquartered in 17 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
Hawaiian Electric Employees Federal Credit Union(this institution)	Honolulu, HI	$37M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Aspire Federal Credit Union	Lufkin, TX	$38M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Badlands Federal Credit Union	Glendive, MT	$38M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Brightview Federal Credit Union	Ridgeland, MS	$38M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Butte Community Federal Credit Union	Butte, MT	$38M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Link Federal Credit Union	Huntington, IN	$36M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Fox Federal Credit Union	Los Angeles, CA	$37M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Franklin Johnstown Federal Credit Union	Johnstown, PA	$37M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Graco Federal Credit Union	Alma, MI	$38M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Gsa Federal Credit Union	Washington, DC	$38M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hometown Federal Credit Union	Peru, IN	$37M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Knoxville Firefighters Federal Credit Union	Knoxville, TN	$37M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Lakehurst Naval Federal Credit Union	Lakehurst Naec, NJ	$38M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Matagorda County Federal Credit Union	Bay City, TX	$36M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Morgantown A E S Federal Credit Union	Morgantown, WV	$38M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nebraska State Employees Federal Credit Union	Lincoln, NE	$37M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pahranagat Valley Federal Credit Union	Alamo, NV	$38M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Port Arthur Teachers Federal Credit Union	Port Arthur, TX	$38M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
School District 3 Federal Credit Union	Colorado Springs, CO	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Settlers Federal Credit Union	Bruce Crossing, MI	$38M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Social Security Federal Credit Union	Birmingham, AL	$37M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The Andovers Federal Credit Union	Andover, MA	$37M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Uno Federal Credit Union	New Orleans, LA	$37M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Vasco Federal Credit Union	Latrobe, PA	$37M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Wcu Credit Union	Decatur, AL	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Wichita Falls Federal Credit Union	Wichita Falls, TX	$36M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(domestic wire)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Domestic wire is $15 (75%) above the median of similar-sized credit unions.

Its published price is $35, against a peer median of $20 among 16 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 2, 2026.

Domestic wire fee in dollars, one mark per institution

Hawaiian Electric Employe…Peer (equal prices stack)Peer median

Against this institution's domestic wire fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 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 Hawaiian Electric Employees 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: $5K
vs prior quarter: $00.0%; from Q1 2026
vs a year earlier: $00.0%; from Q2 2025
vs start of range: −$1K−16.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Hawaiian Electric Employees 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	$5K	$0	0.0%
Q1 2026	$5K	$0	0.0%
Q4 2025	$5K	−$1K	−16.7%
Q3 2025	$6K	+$1K	+20.0%
Q2 2025	$5K	$0	0.0%
Q1 2025	$5K	$0	0.0%
Q4 2024	$5K	−$1K	−16.7%
Q3 2024	$6K	+$1K	+20.0%

Fee-income share against its size cohort

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

Published fee schedule

Amounts from Hawaiian Electric Employees Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Inactive (dormant) fee per month$5
per month
Special handling for abandoned account fee$35
Account Research$15
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $15.00/hour (or fraction thereafter)
Returned Mail (sent to incorrect address) per month$5
per month

Overdraft & NSF

ACH Withdrawal (NSF)$15
Insufficient Funds (NSF)$25
Return Check Payment$25
Overdraft From Shares$2

ATM & Card

ATM Transaction Fee (in excess of 5 per month and includes balance inquiries and transfers)$0.50
per item
Card Reissue$10
Debit Card Replacement$10
Rush Card Order$35
per item
Rush Fee$30

Wire Transfers

Outgoing Wires$35

Check Services

ACH Stop Payment$10
Stop Payment$10
Stop Payment - Teller Check$25
Duplicate Copy of Check$2.50

Cash & Deposit

Visa Cash Advance Fee (applies to non-HECOEFCU Visa Cards only)$3.50
Deposit Return Item$10

Account Services

Legal Processing Fee (e.g., garnishment, levy)$35

Lending Fees

Late Payment$20
Late Payment3%($20 minimum)
Late Payment (audience not stated, treated as personal)3%($20 minimum)

Other Fees

Duplicate Statement$2.50
Return Check Payment$10

Fee	Amount	Basis	Note
Account Maintenance
Inactive (dormant) fee per month	$5	per month	None
Special handling for abandoned account fee	$35	Not stated	None
Account Research	$15Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $15.00/hour (or fraction thereafter)
Returned Mail (sent to incorrect address) per month	$5	per month	None
Overdraft & NSF
ACH Withdrawal (NSF)	$15	Not stated	None
Insufficient Funds (NSF)	$25	Not stated	None
Return Check Payment	$25	Not stated	None
Overdraft From Shares	$2	Not stated	None
ATM & Card
ATM Transaction Fee (in excess of 5 per month and includes balance inquiries and transfers)	$0.50	per item	None
Card Reissue	$10	Not stated	None
Debit Card Replacement	$10	Not stated	None
Rush Card Order	$35	per item	None
Rush Fee	$30	Not stated	None
Wire Transfers
Outgoing Wires	$35	Not stated	None
Check Services
ACH Stop Payment	$10	Not stated	None
Stop Payment	$10	Not stated	None
Stop Payment - Teller Check	$25	Not stated	None
Duplicate Copy of Check	$2.50	Not stated	None
Cash & Deposit
Visa Cash Advance Fee (applies to non-HECOEFCU Visa Cards only)	$3.50	Not stated	None
Deposit Return Item	$10	Not stated	None
Account Services
Legal Processing Fee (e.g., garnishment, levy)	$35	Not stated	None
Lending Fees
Late Payment	$20	Not stated	None
Late Payment	3%($20 minimum)	Not stated	None
Late Payment (audience not stated, treated as personal)	3%($20 minimum)	Not stated	None
Other Fees
Duplicate Statement	$2.50	Not stated	None
Return Check Payment	$10	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

Correct a fee source

Oct 26, 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

Get an email when Hawaiian Electric Employees Federal Credit Union's safe deposit box changes in our data

We check once a day and send one email covering every change.