Heritage Usa Federal Credit Union

Headquarters: Midland, Texas
Charter: Credit Union
Assets: $98.5M
Fed district: Dallas
Regulator: NCUA

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

Source: its fee schedule, read Nov 2, 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 2, 2026

How these figures are measured

Call-report figures are for Heritage Usa 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.	Heritage Usa 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

Details

Source: NCUA 5300 call report
Entity: Heritage Usa 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 $450K in Q2 2026, 2.0% above the same quarter a year earlier ($441K).
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.

Overdraft (OD)
Heritage Usa Federal Credit Union: $29.50
Heritage Usa Federal Credit Union: $29.50
U.S. median: no median
NSF / Returned Item
Compared at $28.50, the middle of its prices
Heritage Usa Federal Credit Union: $27.50 to $29.50
Heritage Usa Federal Credit Union: $27.50 to $29.50
U.S. median: no median
Stop Payment
Heritage Usa Federal Credit Union: $27.50
Heritage Usa Federal Credit Union: $27.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 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 1.1% from Q3 2025 to Q2 2026, to $450K.

Fee income, Q2 2026

$450K

$445KQ3 2025

$452KQ4 2025

$444KQ1 2026

$450KQ2 2026

Against the median

Heritage Usa 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

Heritage USA 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 18 states.

Credit unions only
$96M to $101M in assets
Headquartered in 18 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
Heritage USA Federal Credit Union(this institution)	Midland, TX	$99M	Monthly maintenance not published	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
Bay Atlantic Federal Credit Union	Vineland, NJ	$97M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
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
Concho Educators Federal Credit Union	San Angelo, TX	$99M	Publishes Monthly maintenance	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
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
Point West Federal Credit Union	Portland, OR	$98M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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
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
Washington County Teachers Federal Credit Union	Hagerstown, MD	$96M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

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

The peer median is $4.98 among 10 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

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

Heritage USA Federal Cred…Peer (equal prices stack)Peer medianInclude 2 outliers ($0, $7.95)Shown past the axis break, not to scale, so the rest of the set has room.

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 Heritage Usa 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: $450K
vs prior quarter: +$6K+1.4%; from Q1 2026
vs a year earlier: +$9K+2.0%; from Q2 2025
vs start of range: +$46K+11.4%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Heritage Usa 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	$450K	+$6K	+1.4%
Q1 2026	$444K	−$8K	−1.8%
Q4 2025	$452K	+$7K	+1.6%
Q3 2025	$445K	+$4K	+0.9%
Q2 2025	$441K	+$26K	+6.3%
Q1 2025	$415K	−$12K	−2.8%
Q4 2024	$427K	+$23K	+5.7%
Q3 2024	$404K	+$2K	+0.5%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Early Account Close Fee (within 90 days)$10
Dormant Account Fee$1
per month
Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fee$29.50
Overdraft Privilege$29.50
per item
NSF Item Charges$29.50
Stop Payment Fee/WSUD Return Item$27.50

ATM & Card

Replacement Card$10

Check Services

Official Checks$5
Money Orders$2
Stop Payment Fee /WSUD Fee$27.50
Temporary Checks (4 checks)$2
per item

Cash & Deposit

Coin Machine Fee10%
Returned Deposit Fee$15

Account Services

Safe Deposit Box 10 x 10$60
per year
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)$60
Safe Deposit Box 3 x 10$35
per year
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)$35
Safe Deposit Box 3 x 5$25
per year
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)$25
Safe Deposit Box 5 x 10$45
per year
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)$45
Safe Deposit Box 5 x 5$30
per year
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)$30
Safe Deposit Box Deposit$50

Lending Fees

Indirect Loan Payment Late Fee$29
Loan Payment Late Fee$29

Gift & Prepaid Cards

Visa Gift Card$2

Fee	Amount	Basis	Note
Account Maintenance
Early Account Close Fee (within 90 days)	$10	Not stated	None
Dormant Account Fee	$1	per month	None
Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fee	$29.50	Not stated	None
Overdraft Privilege	$29.50	per item	None
NSF Item Charges	$29.50	Not stated	None
Stop Payment Fee/WSUD Return Item	$27.50	Not stated	None
ATM & Card
Replacement Card	$10	Not stated	None
Check Services
Official Checks	$5	Not stated	None
Money Orders	$2	Not stated	None
Stop Payment Fee /WSUD Fee	$27.50	Not stated	None
Temporary Checks (4 checks)	$2	per item	None
Cash & Deposit
Coin Machine Fee	10%	Not stated	None
Returned Deposit Fee	$15	Not stated	None
Account Services
Safe Deposit Box 10 x 10	$60	per year	None
Safe Deposit Box 10 x 10 (audience not stated, treated as personal)	$60	Not stated	None
Safe Deposit Box 3 x 10	$35	per year	None
Safe Deposit Box 3 x 10 (audience not stated, treated as personal)	$35	Not stated	None
Safe Deposit Box 3 x 5	$25	per year	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$25	Not stated	None
Safe Deposit Box 5 x 10	$45	per year	None
Safe Deposit Box 5 x 10 (audience not stated, treated as personal)	$45	Not stated	None
Safe Deposit Box 5 x 5	$30	per year	None
Safe Deposit Box 5 x 5 (audience not stated, treated as personal)	$30	Not stated	None
Safe Deposit Box Deposit	$50	Not stated	None
Lending Fees
Indirect Loan Payment Late Fee	$29	Not stated	None
Loan Payment Late Fee	$29	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$2	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

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.

Fee change alerts

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