Compared with Texas
2 of 19
compared fees are above the median.
13 below, 4 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
36th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 19 compared; 13 below, 4 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for Select 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 Texas median | Published fees above the Texas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Select 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 5.3% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (36th 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 $40K in Q2 2026, 40% below the same quarter a year earlier ($67K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 19 compared published fees sit above the Texas median; 13 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 Texas medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $3, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Compared at $35, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 44% from Q3 2025 to Q2 2026, to $40K. Its share of revenue, 5.3%, is below the 7.2% median for credit unions with under $300M in assets.
$40K
Select 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. *Non-network ATM: Listed at $1 to $3; we compare the midpoint.
Select Federal Credit Union · $58M 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 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Select Federal Credit Union(this institution) | San Antonio, TX | $58M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Access Federal Credit Union | Broadview, IL | $58M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Ark Valley Federal Credit Union | Arkansas City, KS | $57M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Baton Rouge City Parish Emp Federal Credit Union | Baton Rouge, LA | $58M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Central Wisconsin Federal Credit Union | Plover, WI | $56M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Financial Partners Federal Credit Union | Woodburn, IN | $57M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fraternal Order Of Police Federal Credit Union | Tulsa, OK | $57M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Healthnet Federal Credit Union | Cordova, TN | $58M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Horizon Federal Credit Union | Macon, MO | $59M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Huntington Beach Federal Credit Union | Huntington Beach, CA | $56M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Jack Daniel Employees Federal Credit Union | Lynchburg, TN | $57M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Joplin Metro Federal Credit Union | Joplin, MO | $58M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kue Federal Credit Union | Lexington, KY | $56M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Metco Federal Credit Union | Cedar Rapids, IA | $59M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mokelumne Federal Credit Union | Lodi, CA | $57M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| My Federal Credit Union | Haslet, TX | $58M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Northwest Hills Federal Credit Union | Torrington, CT | $57M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Notre Dame Community Federal Credit Union | Fall River, MA | $58M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Olympia Federal Credit Union | Olympia, WA | $56M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pennstar Federal Credit Union | Hermitage, PA | $59M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pitney Bowes Employees Federal Credit Union | Shelton, CT | $57M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Rt Federal Credit Union | Rome, NY | $59M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Saratoga'S Community Federal Credit Union | Saratoga Springs, NY | $58M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Share Advantage Federal Credit Union | Duluth, MN | $58M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Summit Federal Credit Union | Akron, OH | $59M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Trades Federal Credit Union | Tualatin, OR | $56M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(out-of-network atm)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $3, the middle of its three prices, against a peer median of $1 among 11 publishing peers.
Its three prices are $1, $3 and $3.
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.
Out-of-network ATM fee in dollars, one mark per institution
Against this institution's out-of-network atm fee
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 Select 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 | $40K | −$6K | −13.0% |
| Q1 2026 | $46K | −$1K | −2.1% |
| Q4 2025 | $47K | −$24K | −33.8% |
| Q3 2025 | $71K | +$4K | +6.0% |
| Q2 2025 | $67K | +$4K | +6.3% |
| Q1 2025 | $63K | −$10K | −13.7% |
| Q4 2024 | $73K | +$1K | +1.4% |
| Q3 2024 | $72K | +$3K | +4.3% |
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, Select 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 Select Federal Credit Union by share.
Amounts from Select Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per item
per item
per item
per item
per item
per item
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closing Fee | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excess withdrawals subject | $4Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Overdraft Courtesy for ACH | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Courtesy for ATM/Debit | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Courtesy for Bill Pay | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Courtesy for Check | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds ACH | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Non-Sufficient Funds ATM/Debit | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Non-Sufficient Funds Bill Pay | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Non-Sufficient Funds Check | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Check Item | $15Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft transfer fee | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Non-Network ATM | $3Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Non-Network ATM | $3Above the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Select FCU Foreign ATM Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Card Replacement Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers (Outgoing) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers (Incoming) | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire Transfer | $25Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Teller Check Fee | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $0.75Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Non-Member Check Cashing Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Non-SFCU Cash Advance Fee | $5Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Account Services | |||
| Notary Service (Members Only) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment Fee | $25Not compared: Monthly charge, not per item | per month | None |
Gift & Prepaid Cards | |||
| Gift Cards | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Skip-A-Payment | $20Inside the U.S. middle 50% ($20 to $37.50 nationally) | 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 Select Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| San Antonio, TX | 3 |
| Hondo, TX | 1 |
| Omaha, NE | 1 |
Largest competitors nearby
Local market: Bexar county, TX, around its headquarters.
| 65 in its local market | Deposit share |
|---|---|
| USAA Federal Savings Bank | 56% |
| Citibank, National Association | 18.9% |
| Bank of America, National Association | 3% |
| JPMorgan Chase Bank, National Association | 2.4% |
| Wells Fargo Bank, National Association | 2.1% |
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.