Compared with Texas
5 of 20
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
71st percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 20 compared; 12 below, 3 about the same
See the feesFee schedule read Oct 5, 2026
Call-report figures are for Chemcel 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. | Chemcel Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 5, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 11% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (71st 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 $277K in Q2 2026, 13% below the same quarter a year earlier ($319K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 20 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.
Non-Network ATM
Monthly Maintenance
Overdraft (OD)
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 fell 12% from Q3 2025 to Q2 2026, to $277K. Its share of revenue, 11%, is above the 7.2% median for credit unions with under $300M in assets.
$277K
Chemcel 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.
Chemcel Federal Credit Union · $184M 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 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Chemcel Federal Credit Union(this institution) | Bishop, TX | $184M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alden Federal Credit Union | Chicopee, MA | $185M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Appalachian Community Federal Credit Union | Kingsport, TN | $183M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Century Federal Credit Union | Saint Louis, MO | $182M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cincinnati Ohio Police Federal Credit Union | Cincinnati, OH | $188M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Choice Financial Federal Credit Union | Gloversville, NY | $184M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Nebraska Federal Credit Union | Omaha, NE | $184M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Greenville Heritage Federal Credit Union | Greenville, SC | $181M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heritage South Federal Credit Union | Sylacauga, AL | $184M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Horizon Utah Federal Credit Union | Farmington, UT | $185M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Infirst Federal Credit Union | Alexandria, VA | $186M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Johnsonville Tva Employees Federal Credit Union | Camden, TN | $181M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Journey Federal Credit Union | Saint Johns, MI | $187M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lincone Federal Credit Union | Lincoln, NE | $184M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Magnolia Federal Credit Union | Jackson, MS | $186M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members' Advantage Federal Credit Union | Wisconsin Rapids, WI | $185M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Miami Postal Service Federal Credit Union | Miami, FL | $184M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mid Carolina Federal Credit Union | Lugoff, SC | $182M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Priority First Federal Credit Union | Du Bois, PA | $187M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rio Grande Valley Credit Union | Harlingen, TX | $180M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Safe Harbor Federal Credit Union | Ludington, MI | $184M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| South Metro Federal Credit Union | Prior Lake, MN | $185M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southwest Louisiana Federal Credit Union | Lake Charles, LA | $183M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ufcw Community Federal Credit Union | Wyoming, PA | $181M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Western Sun Federal Credit Union | Broken Arrow, OK | $181M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Xcel Federal Credit Union | Bloomfield, NJ | $186M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ 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.
Peer pricing snapshot
Its published price is $8, against a peer median of $5.48 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 Nov 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
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 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Chemcel 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 | $277K | −$21K | −7.0% |
| Q1 2026 | $298K | −$31K | −9.4% |
| Q4 2025 | $329K | +$15K | +4.8% |
| Q3 2025 | $314K | −$5K | −1.6% |
| Q2 2025 | $319K | +$32K | +11.1% |
| Q1 2025 | $287K | −$29K | −9.2% |
| Q4 2024 | $316K | +$14K | +4.6% |
| Q3 2024 | $302K | +$9K | +3.1% |
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, Chemcel 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 Chemcel Federal Credit Union by share.
Amounts from Chemcel Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Merit Checking Monthly Service | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Dormant Account after one year | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Monthly Bad Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay Fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Check Clearing | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Item | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft From Shares | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Fee at Non-Proprietary ATMs | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit/ATM Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Debit Card Rush Order | $25Below the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer (outgoing) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Certified Check | $1Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $1Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing | $2Below the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Items sent for collection | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Cash Advance | $15Above the U.S. middle 50% ($2 to $10 nationally) | per item | None |
Account Services | |||
| Safe Deposit Box – 3-10 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box – 3x5 | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box – 5x10 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box – Drilling | $43Not compared: Box drilling or key fee | Not stated | None |
| Legal Document Process | $95Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
Other Fees | |||
| Statement Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 5, 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 Chemcel 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.
3 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Alice, TX | 1 |
| Bishop, TX | 1 |
| Corpus Christi, TX | 1 |
| Kingsville, TX | 1 |
| Pasadena, TX | 1 |
Largest competitors nearby
Local market: Nueces county, TX, around its headquarters.
| 24 in its local market | Deposit share |
|---|---|
| Prosperity Bank | 27.2% |
| Bank of America, National Association | 12.9% |
| Wells Fargo Bank, National Association | 10.3% |
| Kleberg Bank, N.A. | 5.1% |
| PlainsCapital Bank | 4% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.