Old Ocean Federal Credit Union

Headquarters: Sweeny, Texas
Charter: Credit Union
Assets: $41.6M
Fed district: Dallas
Regulator: NCUA

8 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 Old Ocean 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.	Old Ocean 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: Old Ocean 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 $92K in Q2 2026, 3.2% below the same quarter a year earlier ($95K).
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
Compared at $19, the middle of its prices
Old Ocean Federal Credit Union: $10 to $28
Old Ocean Federal Credit Union: $10 to $28
U.S. median: no median
Stop Payment
Old Ocean Federal Credit Union: $20
Old Ocean Federal Credit Union: $20
U.S. median: no median
OD Protection Transfer
Old Ocean Federal Credit Union: $5
Old Ocean Federal Credit Union: $5
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 fell 11% from Q3 2025 to Q2 2026, to $92K.

Fee income, Q2 2026

$92K

$103KQ3 2025

$104KQ4 2025

$89KQ1 2026

$92KQ2 2026

Against the median

Old Ocean 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

Old Ocean Federal Credit Union · $42M 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
$41M to $43M 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
Old Ocean Federal Credit Union(this institution)	Sweeny, TX	$42M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
B&V Federal Credit Union	Overland Park, KS	$43M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Campus Federal Credit Union	Wichita, KS	$41M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Chiropractic Federal Credit Union	Farmington, MI	$42M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
City-County Employees Federal Credit Union	Clearwater, FL	$42M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Credit Union of Emporia	Emporia, KS	$42M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
East River Federal Credit Union	Madison, SD	$42M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Golden Rule Community Federal Credit Union	Ripon, WI	$43M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Haynes Community Federal Credit Union	Kokomo, IN	$42M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Health Care Professionals Federal Credit Union	Richmond, IN	$42M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
M O Federal Credit Union	Huron, SD	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
M.P.D. Community Federal Credit Union	Nashville, TN	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Methuen Federal Credit Union	Methuen, MA	$42M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Northwest Municipal Federal Credit Union	Des Plaines, IL	$41M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Parks Heritage Federal Credit Union	Glens Falls, NY	$42M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pee Dee Federal Credit Union	Florence, SC	$41M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Port City Federal Credit Union	Muskegon, MI	$42M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
River Region Federal Credit Union	Lutcher, LA	$42M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
San Angelo Federal Credit Union	San Angelo, TX	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Sioux Valley Coop Federal Credit Union	Watertown, SD	$41M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Streator Community Federal Credit Union	Streator, IL	$42M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Toro Employees Federal Credit Union	Bloomington, MN	$41M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Travis County Federal Credit Union	Austin, TX	$43M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Valex Federal Credit Union	Alexandria, LA	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Visionary Federal Credit Union	Bridgeville, PA	$41M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Westchester Schools' Federal Credit Union	Rye Brook, NY	$41M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ 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.

Fee type

Peer pricing snapshot

Old Ocean Federal Credit Union does not publish an out-of-network ATM fee in the index.

The peer median is $1 among 11 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 17, 2026.

Out-of-network ATM fee in dollars, one mark per institution

Old Ocean Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.

Old Ocean Federal Credit…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 17, 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 Old Ocean 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: $92K
vs prior quarter: +$3K+3.4%; from Q1 2026
vs a year earlier: −$3K−3.2%; from Q2 2025
vs start of range: −$10K−9.8%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Old Ocean 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	$92K	+$3K	+3.4%
Q1 2026	$89K	−$15K	−14.4%
Q4 2025	$104K	+$1K	+1.0%
Q3 2025	$103K	+$8K	+8.4%
Q2 2025	$95K	+$5K	+5.6%
Q1 2025	$90K	−$12K	−11.8%
Q4 2024	$102K	$0	0.0%
Q3 2024	$102K	+$4K	+4.1%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Service Dormant Account Fee$5
per month
Service Account Balancing Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Service Account Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Service Mailed Statement Fee$3
per month

Overdraft & NSF

Returned Check (each)$10
per item
Service Visa Non-Sufficient Funds Fee$28
Service Overdraft Fee: Fee Transfer from Savings to Checking$5

ATM & Card

Service Debit/Credit Card Replacement Fees$15

Check Services

Service Money Orders Fee: Fee Members$0.50
per item
Service Stop Payments Fee$20
Service Copy of Check/Draft Fee$3
per item

Cash & Deposit

Service Coin Machine5%

Account Services

Service Garnishments Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Service Levies Fee$25
Not compared: Charged per hour; comparison unavailable
per hour

Other Fees

Extra copy of monthly/quarterly statement$3
Not compared: Monthly charge, not per item
per month

Fee	Amount	Basis	Note
Account Maintenance
Service Dormant Account Fee	$5	per month	None
Service Account Balancing Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Service Account Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Service Mailed Statement Fee	$3	per month	None
Overdraft & NSF
Returned Check (each)	$10	per item	None
Service Visa Non-Sufficient Funds Fee	$28	Not stated	None
Service Overdraft Fee: Fee Transfer from Savings to Checking	$5	Not stated	None
ATM & Card
Service Debit/Credit Card Replacement Fees	$15	Not stated	None
Check Services
Service Money Orders Fee: Fee Members	$0.50	per item	None
Service Stop Payments Fee	$20	Not stated	None
Service Copy of Check/Draft Fee	$3	per item	None
Cash & Deposit
Service Coin Machine	5%	Not stated	None
Account Services
Service Garnishments Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Service Levies Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Other Fees
Extra copy of monthly/quarterly statement	$3Not compared: Monthly charge, not per item	per month	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 Old Ocean Federal Credit Union's safe deposit box changes in our data

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