Compared with Texas
4 of 16
compared fees are above the median.
9 below, 3 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
63rd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 16 compared; 9 below, 3 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Concho Educators 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. | Concho Educators Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.1% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (63rd 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 $134K in Q2 2026, 12% above the same quarter a year earlier ($120K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 16 compared published fees sit above the Texas median; 9 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.
Monthly Maintenance
Senior Checking $2 · Value Checking $3 · Choice Checking $6
Compared at $3, the middle of its prices
Overdraft (OD)
NSF / Returned Item
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 rose 29% from Q3 2025 to Q2 2026, to $134K. Its share of revenue, 9.1%, is above the 7.2% median for credit unions with under $300M in assets.
$134K
Concho Educators 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. *Monthly maintenance: Listed at $2 to $6; we compare the midpoint.
Concho Educators Federal Credit Union · $99M 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Concho Educators Federal Credit Union(this institution) | San Angelo, TX | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Afena Federal Credit Union | Marion, IN | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Athol Federal Credit Union | Athol, MA | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Common Trust Federal Credit Union | Woburn, MA | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community First Federal Credit Union | Ashtabula, OH | $100M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Connects Federal Credit Union | Richmond, VA | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gardiner Federal Credit Union | Gardiner, ME | $101M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Healthcare First Credit Union | Johnstown, PA | $101M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Heritage USA Federal Credit Union | Midland, TX | $99M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Journey Federal Credit Union | Des Moines, IA | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Community Federal Credit Union | Muscatine, IA | $99M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Midland Federal Credit Union | Urbandale, IA | $101M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Railroad Federal Credit Union | Irondale, AL | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ridgedale Federal Credit Union | East Hanover, NJ | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Serve Federal Credit Union | Des Moines, IA | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sno Falls Federal Credit Union | North Bend, WA | $99M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Pius X Church Federal Credit Union | Rochester, NY | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tampa Postal Federal Credit Union | Tampa, FL | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tennessee Members 1St Federal Credit Union | Oak Ridge, TN | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Tewksbury Federal Credit Union | Tewksbury, MA | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Texas Bridge Federal Credit Union | Corpus Christi, TX | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Dps Federal Credit Union | Austin, TX | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Unity Catholic Federal Credit Union | Parma, OH | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Universal Federal Credit Union | Huntington, WV | $100M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| University Of Toledo Federal Credit Union | Toledo, OH | $100M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Va Desert Pacific Federal Credit Union | Long Beach, CA | $99M | 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 · 8 publish this fee(monthly maintenance)
17 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 $4.98 among 8 publishing peers.
Its three checking prices are $2, $3 and $6.
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 22, 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 22, 2026. Total assets from FDIC and NCUA records.
Call reports for Concho Educators 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 | $134K | +$20K | +17.5% |
| Q1 2026 | $114K | −$6K | −5.0% |
| Q4 2025 | $120K | +$16K | +15.4% |
| Q3 2025 | $104K | −$16K | −13.3% |
| Q2 2025 | $120K | +$29K | +31.9% |
| Q1 2025 | $91K | −$11K | −10.8% |
| Q4 2024 | $102K | +$1K | +1.0% |
| Q3 2024 | $101K | −$14K | −12.2% |
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, Concho Educators 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 Concho Educators Federal Credit Union by share.
Amounts from Concho Educators Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Choice Checking Monthly Service Fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Senior Checking Monthly Service Fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Value Checking Monthly Service Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closure Fee - Checking & Savings | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant/Inactive Account Fee (Over 2 years) | $25Not compared: Annual charge, not monthly | per year | None |
| Account Research / Account Balancing Assistance | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Courtesy Pay Fee - Checks/ATM/Debit Card/ACH | $20Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Fund Fee - Checks or ACH | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Automated Overdraft Transfers (Checking) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per transaction | None |
Check Services | |||
| Stop Payment Fee (Member Checks & Teller Checks) | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Notice of Collection Items | $20Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Coin Machine / Rolled Coin Fee | 3% | Not stated | None |
Account Services | |||
| Safe Deposit Box - Drill Box | $175Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box - Duplicate Key Made | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Fee 3 x 5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Notice of Levy or Judgement or Court Order of Hold Items | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Account Verification (Mortgage Loan) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Retirement & IRA | |||
| IRA/HSA Annual Maintenance/Statement/Reporting Fee | $5Below the U.S. middle 50% ($10 to $25 nationally) | per year | None |
Gift & Prepaid Cards | |||
| Gift Cards (MasterCard) | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Outgoing/Incoming Scan or Fax | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopies | $0.10Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copy / Activity Printout | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Lost Title Research & Release of Lien | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure Fee - Checking & Savings | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant/Inactive Account Fee (Over 2 years) | $25Not compared: Annual charge, not monthly | per year | None |
| Account Research / Account Balancing Assistance | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Courtesy Pay Fee - Checks/ATM/Debit Card/ACH | $20Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Fund Fee - Checks or ACH | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Automated Overdraft Transfers (Checking) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per transaction | None |
Check Services | |||
| Stop Payment Fee (Member Checks & Teller Checks) | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Notice of Collection Items | $20Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Business Checking w/ Bill Pay (Partnerships/Coporations) | $8 | per month | None |
Cash & Deposit | |||
| Coin Machine / Rolled Coin Fee | 3% | Not stated | None |
Account Services | |||
| Safe Deposit Box - Drill Box | $175Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box - Duplicate Key Made | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 x 10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Fee 3 x 5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Notice of Levy or Judgement or Court Order of Hold Items | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Account Verification (Mortgage Loan) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Retirement & IRA | |||
| IRA/HSA Annual Maintenance/Statement/Reporting Fee | $5Below the U.S. middle 50% ($10 to $25 nationally) | per year | None |
Gift & Prepaid Cards | |||
| Gift Cards (MasterCard) | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Outgoing/Incoming Scan or Fax | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopies | $0.10Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copy / Activity Printout | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Lost Title Research & Release of Lien | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Nov 2, 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 Concho Educators Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| San Angelo, TX | 3 |
Largest competitors nearby
Local market: Tom Green county, TX, around its headquarters.
| 20 in its local market | Deposit share |
|---|---|
| First Financial Bank | 32.9% |
| Wells Fargo Bank, National Association | 14.5% |
| Texas State Bank | 11% |
| The First National Bank of Sonora | 9.4% |
| The First National Bank of Mertzon | 7.1% |
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.