Compared with Illinois
4 of 14
compared fees are above the median.
8 below, 2 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
53rd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Illinois median
of 14 compared; 8 below, 2 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for Education Personnel 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 2,932 credit unions with under $300M 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 Illinois median | Published fees above the Illinois median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Education Personnel Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.5% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (53rd 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 $59K in Q2 2026, 1.7% above the same quarter a year earlier ($58K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 14 compared published fees sit above the Illinois median; 8 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 Illinois 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 Illinois, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 9.2% from Q3 2025 to Q2 2026, to $59K. Its share of revenue, 7.5%, is above the 7.2% median for credit unions with under $300M in assets.
$59K
Education Personnel 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 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Education Personnel Federal Credit Union · $74M 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 21 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Education Personnel Federal Credit Union(this institution) | Danville, IL | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Albright Federal Credit Union | Bethel, CT | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Altamaha Federal Credit Union | Jesup, GA | $74M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Blackstone River Federal Credit Union | Woonsocket, RI | $75M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Champion Federal Credit Union | Toledo, OH | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Chattanooga Federal Employees | Chattanooga, TN | $76M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cleveland-Bradley Cty Teacher Federal Credit Union | Cleveland, TN | $74M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Daviess County Teachers Federal Credit Union | Owensboro, KY | $75M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Delta County Federal Credit Union | Delta, CO | $73M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ely Area Federal Credit Union | Ely, MN | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Evergreendirect Federal Credit Union | Tumwater, WA | $76M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First Priority Federal Credit Union | Huntington, WV | $75M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hawaii First Federal Credit Union | Kamuela, HI | $73M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Health Care Family Federal Credit Union | Saint Louis, MO | $75M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Integrity Federal Credit Union | Barberton, OH | $73M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| L C E Federal Credit Union | Painesville, OH | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lennox Employees Federal Credit Union | Marshalltown, IA | $73M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Michigan Columbus Federal Credit Union | Livonia, MI | $75M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| New England Teamsters Federal Credit Union | Charlestown, MA | $75M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| New York Times Employees Federal Credit Union | New York, NY | $74M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northern Star Credit Union, Inc. | Portsmouth, VA | $74M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Omaha Firefighters Federal Credit Union | Omaha, NE | $76M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Peoples Federal Credit Union | Springfield, CO | $75M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Polam Federal Credit Union | Redwood City, CA | $73M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Teamsters Council #37 Federal Credit Union | Portland, OR | $76M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Texan Sky Federal Credit Union | Dumas, TX | $75M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $4 among 9 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 26, 2026.
Monthly maintenance fee in dollars, one mark per institution
Education Personnel 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 26, 2026. Total assets from FDIC and NCUA records.
Call reports for Education Personnel 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 | $59K | −$9K | −13.2% |
| Q1 2026 | $68K | +$3K | +4.6% |
| Q4 2025 | $65K | $0 | 0.0% |
| Q3 2025 | $65K | +$7K | +12.1% |
| Q2 2025 | $58K | +$1K | +1.8% |
| Q1 2025 | $57K | −$3K | −5.0% |
| Q4 2024 | $60K | +$6K | +11.1% |
| Q3 2024 | $54K | +$2K | +3.8% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Education Personnel 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 Education Personnel Federal Credit Union by share.
Amounts from Education Personnel Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per year
per hour
per item
per item
per month
per item
per transaction
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early account closure fee (<90 days open) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant account fee (>12 months) | $10Not compared: Annual charge, not monthly | per year | None |
| Unclaimed property/escheatment fee | $30Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account reconciliation/research fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft (paid) fee | $20Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF (returned) fee | $20Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Debit card replacement fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire transfer fee – outgoing, domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire transfer fee – incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Wire transfer fee – outgoing, international | $40Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Stop payment order fee | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter check fee | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Draft (cancelled check) copy fee | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Deposited item return fee | $25Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notarization service fee | $5Not compared: Charged per document; comparison unavailable | per document | None |
| Levy/garnishment processing fee | $35Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Lending Fees | |||
| Loan late payment fee | $25Not compared: Monthly charge, not per item | per month | None |
Gift & Prepaid Cards | |||
| Prepaid Visa gift card activation fee | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
| Prepaid Visa travel money card activation fee | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | per transaction | None |
| Prepaid Visa travel money card reload fee | $2Below the U.S. middle 50% ($3 to $4.95 nationally) | per transaction | None |
Other Fees | |||
| Fax services | $2Not compared: Charged per document; comparison unavailable | per document | None |
| Consumer loan skip-a-pay fee | $25Not compared: Monthly charge, not per item | per month | None |
Oct 31, 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 Education Personnel Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Danville, IL | 2 |
| Richfield, OH | 1 |
Largest competitors nearby
Local market: Vermilion county, IL, around its headquarters.
| 16 in its local market | Deposit share |
|---|---|
| Servbank, National Association | 24.5% |
| Old National Bank | 21.8% |
| First Financial Bank, National Association | 17.3% |
| First Farmers Bank & Trust Co. | 9.9% |
| Longview Bank | 8.3% |
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.