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

Texasgulf Federal Credit Union

Wharton, 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 balance falls below the required minimum daily balance, your account will be subject to a monthly service charge$4Below the typical range ($4.45–$10 nationally)

Excessive Transactions charge$6

$12.25 below the national median$9.50 below the Texas median

per transaction · Knox extract.rules v33 categorized a line held for review from Rosetta artifact #13350. canonical_hint=account_research; text_hash=ad6d1f7fa6879d9da6e639194eb37bc6fe8def3840d9b94c7a2979fb8a102916; excerpt="Excessive Transactions charge of $6.00 per transaction for that month." · Source

Returned Mail Fee$5

$13.25 below the national median$10.50 below the Texas median

per quarter · Knox extract.rules v33 categorized a line held for review from Rosetta artifact #13350. canonical_hint=account_research; text_hash=ad6d1f7fa6879d9da6e639194eb37bc6fe8def3840d9b94c7a2979fb8a102916; excerpt="f. Returned Mail Fee | $ 5.00 (per quarter)" · Source

Overdraft & NSFVerified

f. Courtesy Pay$25Within the typical range ($25–$33 nationally)
$5 below the national median$5 below the Texas median
per item · Source
Non-sufficient funds (NSF)$10Below the typical range ($25–$32 nationally)
$20 below the national median$20 below the Texas median
Source
Non-Sufficient Funds (NSF)$25Within the typical range ($25–$32 nationally)
$5 below the national median$5 below the Texas median
per item · Source

Check ServicesVerified

Stop Payment$25Within the typical range ($20–$30 nationally)
$2.50 below the national median$4.50 below the Texas median
per item · Source
Copy of Draft/check$2Within the typical range ($2–$5 nationally)
$1 below the national median$1 below the Texas median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
account balance falls below the required minimum daily balance, your account will be subject to a monthly service charge	$4Below the typical range ($4.45–$10 nationally)	$2 below the national median$2.75 below the Texas median	per month	—	Source
Monthly service charge	$3Below the typical range ($4.45–$10 nationally)	$3 below the national median$3.75 below the Texas median	per month	—	Source
Account Balancing/Reconciling/Research	$20Within the typical range ($12.38–$25 nationally)	$1.75 above the national median$4.50 above the Texas median	—	—	Source
Excessive Transactions charge	$6Below the typical range ($12.38–$25 nationally)	$12.25 below the national median$9.50 below the Texas median	per transaction	Knox extract.rules v33 categorized a line held for review from Rosetta artifact #13350. canonical_hint=account_research; text_hash=ad6d1f7fa6879d9da6e639194eb37bc6fe8def3840d9b94c7a2979fb8a102916; excerpt="Excessive Transactions charge of $6.00 per transaction for that month."	Source
Returned Mail Fee	$5Below the typical range ($12.38–$25 nationally)	$13.25 below the national median$10.50 below the Texas median	per quarter	Knox extract.rules v33 categorized a line held for review from Rosetta artifact #13350. canonical_hint=account_research; text_hash=ad6d1f7fa6879d9da6e639194eb37bc6fe8def3840d9b94c7a2979fb8a102916; excerpt="f. Returned Mail Fee \| $ 5.00 (per quarter)"	Source
Overdraft & NSFVerified
f. Courtesy Pay	$25Within the typical range ($25–$33 nationally)	$5 below the national median$5 below the Texas median	per item	—	Source
Non-sufficient funds (NSF)	$10
ATM & CardVerified
Replacement /Customized Debit Card	$5Within the typical range ($5–$10 nationally)	$5 below the national median$2.50 below the Texas median	—	—	Source
Check ServicesVerified
Stop Payment	$25Within the typical range ($20–$30 nationally)	$2.50 below the national median$4.50 below the Texas median	per item	—	Source
Copy of Draft/check	$2
Other FeesVerified
Extra Copy of Statement	$2Within the typical range ($2–$5 nationally)	$1 below the national median$1 below the Texas median	—	—	Source

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

5 of 15

Published fees

Under review

Assets

$220.5M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$220.5M

Total deposits

$189.3M

Service charge income (year to date)

$448K

Fee income ratio

7.6%

Return on assets

0.85%

Financial profile · Pro

Performance from regulator filings

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Based on 68,460 published fee entries from 3,627 institutions

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Published fees

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How the headline fees compare

Size and fee revenue

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