Abilene Teachers Federal Credit Union

Headquarters: Abilene, Texas
Charter: Credit Union
Assets: $690.4M
Fed district: Dallas
Regulator: NCUA

Explore Hamilton View published fees

Compared with Texas

1 of 18

compared fees are above the median.

16 below, 1 about the same.

About the same: within 1% of the median.

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
60th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 18 compared; 16 below, 1 about the same
See the fees
Fee schedule read Oct 25, 2026

How these figures are measured

Call-report figures are for Abilene Teachers 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 569 credit unions with $300M to $1B 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.	Abilene Teachers Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 25, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Abilene Teachers 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 9.0% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (60th 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 $1.2M in Q2 2026, 4.0% above the same quarter a year earlier ($1.2M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
1 of 18 compared published fees sit above the Texas median; 16 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.

Fees against the market

Comparison with Texas medians for fees published by banks and credit unions.

Monthly Maintenance
Restart Checking Account
Abilene Teachers Federal Credit Union: $5
Abilene Teachers Federal Credit Union: $5
Texas median: $7.50166 publishDallas district median: $7.50188 publishU.S. median: $71,902 publish
Overdraft (OD)
Abilene Teachers Federal Credit Union: $25
Abilene Teachers Federal Credit Union: $25
Texas median: $30218 publishDallas district median: $30242 publishU.S. median: $302,601 publish
NSF / Returned Item
Abilene Teachers Federal Credit Union: $25
Abilene Teachers Federal Credit Union: $25
Texas median: $30251 publishDallas district median: $30277 publishU.S. median: $302,858 publish

Published schedulesBanks and credit unionsRead Oct 25, 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 7.5% from Q3 2025 to Q2 2026, to $1.2M. Its share of revenue, 9.0%, is above the 7.9% median for credit unions with $300M to $1B in assets.

Fee income, Q2 2026

$1.2M

$1.3MQ3 2025

$1.3MQ4 2025

$1.2MQ1 2026

$1.2MQ2 2026

Against the median (TX for fees)

Share of revenue9.0% / 7.9%
Overdraft$25 / $30
Non‑network ATM$1 / $1.50
Monthly maintenance$5 / $7.50

Abilene Teachers 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.

Share of revenue: median of 569 credit unions with $300M to $1B in assets, Q2 2026.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.

How much of the higher share comes from how often fees are charged, rather than what they cost?
Which fees make up most of fee income, and has that mix changed?

See a free sample report

Among its peers

Abilene Teachers Federal Credit Union · $690M 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 17 states.

Credit unions only
$660M to $721M in assets
Headquartered in 17 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
Abilene Teachers Federal Credit Union(this institution)	Abilene, TX	$690M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Alliance Catholic Federal Credit Union	Farmington Hills, MI	$719M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
America'S Credit Union, A	DuPont, WA	$710M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
American 1 Federal Credit Union	Jackson, MI	$661M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Apci Federal Credit Union	Lehigh Valley, PA	$678M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Armco Federal Credit Union	Butler, PA	$719M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Bellwether Community Federal Credit Union	Manchester, NH	$675M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Consumer Federal Credit Union	Greeneville, TN	$660M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Copper State Federal Credit Union	Phoenix, AZ	$701M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Choice America Community Federal Credit Union	Weirton, WV	$714M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Citizens' Federal Credit Union	Fairhaven, MA	$706M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Peoples Community Federal Credit Union	Cumberland, MD	$666M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Fort Bragg Federal Credit Union	Fayetteville, NC	$690M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Greater Iowa Federal Credit Union	Ames, IA	$715M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Innovations Financial Federal Credit Union	Panama City, FL	$696M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Lokahi Federal Credit Union	Honolulu, HI	$702M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mainstreet Federal Credit Union	Lenexa, KS	$703M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mypoint Federal Credit Union	San Diego, CA	$705M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northland Area Federal Credit Union	Alpena, MI	$714M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
O Bee Federal Credit Union	Lacey, WA	$677M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Omni Community Federal Credit Union	Battle Creek, MI	$662M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Rio Grande Federal Credit Union	Albuquerque, NM	$666M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Sharefax Federal Credit Union	Cincinnati, OH	$721M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Umassfive College Federal Credit Union	Hadley, MA	$703M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Uncle Federal Credit Union	Livermore, CA	$716M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
We Florida Financial Federal Credit Union	Fort Lauderdale, FL	$700M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 14 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is broadly aligned with similar-sized credit unions: within 1% of their median.

Its published price is $5, against a peer median of $4.98 among 14 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 Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Abilene Teachers Federal…Peer (equal prices stack)Peer median

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 Nov 2, 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 Abilene Teachers 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: $1.2M
vs prior quarter: +$49K+4.2%; from Q1 2026
vs a year earlier: +$46K+4.0%; from Q2 2025
vs start of range: −$53K−4.2%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Abilene Teachers 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	$1.2M	+$49K	+4.2%
Q1 2026	$1.2M	−$96K	−7.7%
Q4 2025	$1.3M	−$51K	−3.9%
Q3 2025	$1.3M	+$144K	+12.4%
Q2 2025	$1.2M	−$3K	−0.3%
Q1 2025	$1.2M	−$75K	−6.1%
Q4 2024	$1.2M	−$21K	−1.7%
Q3 2024	$1.3M	+$86K	+7.4%

Fee-income share against its size cohort

Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Abilene Teachers Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Abilene Teachers Federal Credit Union: 9.0%
Percentile: 60th
25th percentile: 5.5%
Median: 7.9%
75th percentile: 11%

Abilene Teachers Federal Credit Union 9.0%Median 7.9%Middle half 5.5% to 10.9%Peers at each share

Find a peer (569)

The 15 closest to Abilene Teachers Federal Credit Union by share.

Details

Source: NCUA 5300 call report
Entity: Each credit union, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026), year to date
Measure: Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: Account 131 / (Account 115 + Account 117)

Published fee schedule

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

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Restart Checking Account Monthly service charge$5
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Account closed within 90 days of opening$15
Inside the U.S. middle 50% ($10 to $25 nationally)
per item
Account Research & Balancing$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Privilege Fee$25
Inside the U.S. middle 50% ($25 to $33 nationally)
Insufficient Funds (NSF)$25
Inside the U.S. middle 50% ($25 to $32 nationally)
per item
Online Bill Payment NSF Fee$25
Inside the U.S. middle 50% ($25 to $32 nationally)
per item

Fee	Amount	Basis	Note
Account Maintenance
Restart Checking Account Monthly service charge	$5Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Account closed within 90 days of opening	$15Inside the U.S. middle 50% ($10 to $25 nationally)	per item	None
Account Research & Balancing	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Privilege Fee	$25Inside the U.S. middle 50% ($25 to $33 nationally)	Not stated	None
Insufficient Funds (NSF)	$25Inside the U.S. middle 50% ($25 to $32 nationally)	per item	None
Online Bill Payment NSF Fee	$25Inside the U.S. middle 50% ($25 to $32 nationally)	per item	None
ATM & Card
Transaction Fee for Out-of-Network ATMs	$1Inside the U.S. middle 50% ($1 to $2 nationally)	Not stated	None
Debit Card Replacement	$5Inside the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Wire Transfers
Domestic Wire Fee (outgoing)	$15Below the U.S. middle 50% ($20 to $25 nationally)	per item	None
International Wire Fee (outgoing)	$40Inside the U.S. middle 50% ($40 to $50 nationally)	per item	None
Check Services
Cashier's Check	$2Below the U.S. middle 50% ($3 to $6 nationally)	per item	None
Money Orders	$1Below the U.S. middle 50% ($2 to $3 nationally)	per item	None
Stop Payment Fee (checks and drafts)	$25Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Temporary Checks	$4Not compared: Charged per page; comparison unavailable	per page	None
Photocopy of Cancelled Checks	$2Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Cash & Deposit
Returned Deposited Check	$15Inside the U.S. middle 50% ($9 to $25 nationally)	per item	None
Account Services
Notary Service	No chargeInside the U.S. middle 50% ($0 to $5 nationally)	Not stated	None
Lien/Levy/Garnishment	$25Below the U.S. middle 50% ($30 to $85 nationally)	per item	None
Lending Fees
Late Payment Fee (audience not stated, treated as personal)	5%	Not stated	None
Late Payment Fee, Credit Cards: After 15 days late	$15Inside the U.S. middle 50% ($15 to $25 nationally)	per item	None
Gift & Prepaid Cards
Gift Cards	$2.50Below the U.S. middle 50% ($3 to $4.95 nationally)	per item	None
Other Fees
Statement Copies	$2Inside the U.S. middle 50% ($2 to $5 nationally)	Not stated	None
Use of Fax Machine	$3Inside the U.S. middle 50% ($2 to $5 nationally)	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

Showing 5 of 23 fees.

Correct a fee source

Oct 25, 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.

Branches and public record

Where Abilene Teachers Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

5 offices in 1 state (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

Cities with the most offices

Abilene, TX

Largest competitors nearby

Local market: Taylor county, TX, around its headquarters.

20 in its local market	Deposit share
First Financial Bank	64.9%
Prosperity Bank	6.9%
Bank of America, National Association	6.9%
Clear Fork Bank, National Association	4.9%
First National Bank and Trust Company of Weatherford	4.1%

Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.

Fee change alerts

Abilene Teachers Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Monthly maintenance is broadly aligned with similar-sized credit unions: within 1% of their median.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Abilene Teachers Federal Credit Union changes in our data

Abilene Teachers Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Monthly maintenance is broadly aligned with similar-sized credit unions: within 1% of their median.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Abilene Teachers Federal Credit Union changes in our data