Compared with Texas
0 of 15
compared fees are above the median.
12 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
69th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 15 compared; 12 below, 3 about the same
See the feesFee schedule read Oct 29, 2026
Call-report figures are for Wichita Falls 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. | Wichita Falls Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 29, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 10% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (69th 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 $72K in Q2 2026, 11% above the same quarter a year earlier ($65K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
0 of 15 compared published fees sit above the Texas median; 12 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.
Overdraft (OD)
NSF / Returned Item
Stop Payment
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 7.5% from Q3 2025 to Q2 2026, to $72K. Its share of revenue, 10%, is above the 7.2% median for credit unions with under $300M in assets.
$72K
Wichita Falls 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.
Wichita Falls Federal Credit Union · $36M 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Wichita Falls Federal Credit Union(this institution) | Wichita Falls, TX | $36M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Alpena Community Federal Credit Union | Alpena, MI | $36M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alpha Federal Credit Union | Boston, MA | $35M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Brazos Star Federal Credit Union | College Station, TX | $36M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community Link Federal Credit Union | Huntington, IN | $36M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Fox Federal Credit Union | Los Angeles, CA | $37M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hawaiian Electric Employees Federal Credit Union | Honolulu, HI | $37M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Hometown Federal Credit Union | Peru, IN | $37M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Knoxville Firefighters Federal Credit Union | Knoxville, TN | $37M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Koin Federal Credit Union | Brentwood, TN | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Matagorda County Federal Credit Union | Bay City, TX | $36M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meadowland Federal Credit Union | Sheboygan Falls, WI | $36M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Montana Educators' Federal Credit Union | Missoula, MT | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nebraska State Employees Federal Credit Union | Lincoln, NE | $37M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Northwestern Energy Employees Federal Credit Union | Butte, MT | $35M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Nsp Federal Credit Union | Maplewood, MN | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Outreach Federal Credit Union | Hermitage, TN | $35M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Postal Employees Federal Credit Union | Yardville, NJ | $36M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Reliance Federal Credit Union | King of Prussia, PA | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| School District 3 Federal Credit Union | Colorado Springs, CO | $36M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Steuben Citizens Federal Credit Union | Bath, NY | $36M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Andovers Federal Credit Union | Andover, MA | $37M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Transport Federal Credit Union | Tampa, FL | $36M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Uno Federal Credit Union | New Orleans, LA | $37M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vasco Federal Credit Union | Latrobe, PA | $37M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Wcu Credit Union | Decatur, AL | $36M | 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 · 19 publish this fee(domestic wire)
6 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $25 among 19 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 30, 2026.
Domestic wire fee in dollars, one mark per institution
Wichita Falls Federal Credit Union does not publish a domestic wire fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Wichita Falls 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 | $72K | +$7K | +10.8% |
| Q1 2026 | $65K | +$3K | +4.8% |
| Q4 2025 | $62K | −$5K | −7.5% |
| Q3 2025 | $67K | +$2K | +3.1% |
| Q2 2025 | $65K | +$5K | +8.3% |
| Q1 2025 | $60K | +$3K | +5.3% |
| Q4 2024 | $57K | $0 | 0.0% |
| Q3 2024 | $57K | +$1K | +1.8% |
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, Wichita Falls 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 Wichita Falls Federal Credit Union by share.
Amounts from Wichita Falls Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per statement · Printed Statement (per statement; mailed, picked up, or inter-office delivery) | $1.00
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure Fee (account open less than six (6) months) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (monthly; applies after period of inactivity per policy) | $2.50Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research or Reconciliation (per hour; $20 minimum) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Printed Statement (per statement; mailed, picked up, or inter-office delivery) | $1Not compared: Charged per statement; comparison unavailable | per statement | Printed Statement (per statement; mailed, picked up, or inter-office delivery) | $1.00 |
| Excessive Withdrawal Fee (over 12 withdrawals per quarter, per withdrawal) | $1Below the U.S. middle 50% ($3 to $10 nationally) | per transaction | None |
Oct 29, 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 Wichita Falls Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Wichita Falls, TX | 2 |
Largest competitors nearby
Local market: Wichita county, TX, around its headquarters.
| 19 in its local market | Deposit share |
|---|---|
| American National Bank & Trust | 42.8% |
| Investar Bank, National Association | 13.6% |
| First Bank | 12.5% |
| Wells Fargo Bank, National Association | 9.4% |
| JPMorgan Chase Bank, National Association | 8% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts