Sabine Federal Credit Union

Headquarters: Orange, Texas
Charter: Credit Union
Assets: $235.3M
Fed district: Dallas

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

Source: its fee schedule, read Nov 4, 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 Nov 4, 2026

How these figures are measured

Call-report figures are for Sabine 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.	Sabine Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 4, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Sabine 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 $367K in Q2 2026, 22% above the same quarter a year earlier ($301K).
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
Sabine Federal Credit Union: $30
Sabine Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Compared at $2, the middle of its prices
Sabine Federal Credit Union: $2 to $2.50
Sabine Federal Credit Union: $2 to $2.50
U.S. median: no median
Wire Transfer (Domestic Out)
Sabine Federal Credit Union: $10
Sabine Federal Credit Union: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

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.

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).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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 rose 12% from Q3 2025 to Q2 2026, to $367K.

Fee income, Q2 2026

$367K

$329KQ3 2025

$333KQ4 2025

$361KQ1 2026

$367KQ2 2026

Against the median

Sabine 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

Sabine Federal Credit Union · $235M 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 15 states.

Credit unions only
$226M to $245M in assets
Headquartered in 15 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
Sabine Federal Credit Union(this institution)	Orange, TX	$235M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Bull Dog Federal Credit Union	Hagerstown, MD	$238M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Cal-Com Federal Credit Union	Port Lavaca, TX	$226M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Campco Federal Credit Union	Gillette, WY	$228M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Capitol Federal Credit Union	Austin, TX	$234M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Chaffey Federal Credit Union	Upland, CA	$230M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Clearpath Federal Credit Union	Burbank, CA	$229M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Community First Guam Federal Credit Union	Hagatna, GU	$233M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Corazo Federal Credit Union	El Centro, CA	$244M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Encompass Federal Credit Union	Tipton, IN	$241M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Service Federal Credit Union	Groveport, OH	$236M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hawaii Law Enforcement Federal Credit Union	Honolulu, HI	$230M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Luso Federal Credit Union	Ludlow, MA	$245M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Michigan One Community Federal Credit Union	Ionia, MI	$240M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Midwest Members Federal Credit Union	Wood River, IL	$227M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
New Cumberland Federal Credit Union	New Cumberland, PA	$229M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Northern Skies Federal Credit Union	Anchorage, AK	$232M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Novation Federal Credit Union	Oakdale, MN	$244M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ohio Valley Community Federal Credit Union	Clarington, OH	$244M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pantex Federal Credit Union	Borger, TX	$233M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pioneer Appalachia Federal Credit Union	Charleston, WV	$245M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Skypoint Federal Credit Union	Germantown, MD	$243M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Southbridge Federal Credit Union	Southbridge, MA	$242M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The People'S Federal Credit Union	Amarillo, TX	$229M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
True North Federal Credit Union	Juneau, AK	$236M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Westex Community Federal Credit Union	Kermit, TX	$231M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Sabine Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $7 among 12 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 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Sabine Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Sabine Federal Credit Uni…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 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 Sabine 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: $367K
vs prior quarter: +$6K+1.7%; from Q1 2026
vs a year earlier: +$66K+21.9%; from Q2 2025
vs start of range: +$35K+10.5%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Sabine 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	$367K	+$6K	+1.7%
Q1 2026	$361K	+$28K	+8.4%
Q4 2025	$333K	+$4K	+1.2%
Q3 2025	$329K	+$28K	+9.3%
Q2 2025	$301K	+$8K	+2.7%
Q1 2025	$293K	−$15K	−4.9%
Q4 2024	$308K	−$24K	−7.2%
Q3 2024	$332K	$0	0.0%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Product/ServiceAccount Closure within 90 days$5
Product/ServiceAccount Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Product/ServicePaid NSF (Non Sufficient Funds)$30

ATM & Card

ServiceNonproprietary Visa Debit Card/ATM Balance Inquiry$2
ServiceNonproprietary Visa Debit Card/ATM Transfer$2
ServiceNonproprietary Visa Debit Card/ATM Withdrawal$2.50
ServiceVisa Debit Card/ATM Card Reissue$10

Wire Transfers

Domestic wire transfers$10

Check Services

One free cashier’s check per day, then$5
Not compared: Daily charge, not per item
per day
Additional money order (Best Years Club)$2
per item
One free money order per month, then$2
Stop payments$15
Temporary Checks$5
per item

Digital & Electronic

ServiceOne-Time ACH Origination$10

Account Services

Service10 x 10 Safe Deposit Box$65
Service3 x 10 Safe Deposit Box$30
Service3 x 5 Safe Deposit Box$20
Service5 x 10 Safe Deposit Box$40
ServiceSafe Deposit Box Drilling$150
Not compared: Box drilling or key fee
Product/ServiceLevies, Freezes, and Garnishments$50

Gift & Prepaid Cards

Product/ServiceVisa Gift Card$5
per item

Other Fees

ServiceOver-the-Phone Loan Payment with Credit or Debit Card$10
ServiceSelf-Service Online Loan Payment with Credit or Debit Card$5

Fee	Amount	Basis	Note
Account Maintenance
Product/ServiceAccount Closure within 90 days	$5	Not stated	None
Product/ServiceAccount Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Product/ServicePaid NSF (Non Sufficient Funds)	$30	Not stated	None
ATM & Card
ServiceNonproprietary Visa Debit Card/ATM Balance Inquiry	$2	Not stated	None
ServiceNonproprietary Visa Debit Card/ATM Transfer	$2	Not stated	None
ServiceNonproprietary Visa Debit Card/ATM Withdrawal	$2.50	Not stated	None
ServiceVisa Debit Card/ATM Card Reissue	$10	Not stated	None
Wire Transfers
Domestic wire transfers	$10	Not stated	None
Check Services
One free cashier’s check per day, then	$5Not compared: Daily charge, not per item	per day	None
Additional money order (Best Years Club)	$2	per item	None
One free money order per month, then	$2	Not stated	None
Stop payments	$15	Not stated	None
Temporary Checks	$5	per item	None
Digital & Electronic
ServiceOne-Time ACH Origination	$10	Not stated	None
Account Services
Service10 x 10 Safe Deposit Box	$65	Not stated	None
Service3 x 10 Safe Deposit Box	$30	Not stated	None
Service3 x 5 Safe Deposit Box	$20	Not stated	None
Service5 x 10 Safe Deposit Box	$40	Not stated	None
ServiceSafe Deposit Box Drilling	$150Not compared: Box drilling or key fee	Not stated	None
Product/ServiceLevies, Freezes, and Garnishments	$50	Not stated	None
Gift & Prepaid Cards
Product/ServiceVisa Gift Card	$5	per item	None
Other Fees
ServiceOver-the-Phone Loan Payment with Credit or Debit Card	$10	Not stated	None
ServiceSelf-Service Online Loan Payment with Credit or Debit Card	$5	Not stated	None

Correct a fee source

Nov 4, 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 Sabine Federal Credit Union's safe deposit box changes in our data

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