Compared with Texas
8 of 18
compared fees are above the median.
5 below, 5 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
95th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 18 compared; 5 below, 5 about the same
See the feesFee schedule read Oct 14, 2026
Call-report figures are for Soarion 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. | Soarion Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 14, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 17% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (95th 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 $1.5M in Q2 2026, 14% below the same quarter a year earlier ($1.8M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 18 compared published fees sit above the Texas median; 5 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.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
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 22% from Q3 2025 to Q2 2026, to $1.5M. Its share of revenue, 17%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$1.5M
Soarion 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 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.
Soarion Federal Credit Union · $556M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Soarion Federal Credit Union(this institution) | San Antonio, TX | $556M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Argent Federal Credit Union | Chesterfield, VA | $572M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Arlington Community Federal Credit Union | Arlington, VA | $538M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cabrillo Federal Credit Union | San Diego, CA | $574M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| City Of Boston Federal Credit Union | South Boston, MA | $544M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Dutch Point Federal Credit Union | Wethersfield, CT | $565M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Firelands Federal Credit Union | Bellevue, OH | $580M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First New York Federal Credit Union | Albany, NY | $574M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First U.S. Community Federal Credit Union | Sacramento, CA | $548M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Freedom Of Maryland Federal Credit Union | Bel Air, MD | $557M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heartland Federal Credit Union | Springfield, IL | $574M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Lebanon Federal Credit Union | Lebanon, PA | $540M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mid American Federal Credit Union | Wichita, KS | $532M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mutual Federal Credit Union | Vicksburg, MS | $529M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Otero Federal Credit Union | Alamogordo, NM | $535M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Partners 1St Federal Credit Union | Fort Wayne, IN | $546M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peake Federal Credit Union | Towson, MD | $534M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pearl Hawaii Federal Credit Union | Waipahu, HI | $545M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pittsford Federal Credit Union | Pittsford, NY | $542M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Resource One Federal Credit Union | Dallas, TX | $555M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Servu Federal Credit Union | Painted Post, NY | $529M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Simplicity Federal Credit Union | Marshfield, WI | $547M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Spectra Federal Credit Union | Alexandria, VA | $544M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| The Southern Federal Credit Union | Fayetteville, GA | $560M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| U. T. Federal Credit Union | Knoxville, TN | $554M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| University Federal Credit Union | Orono, ME | $538M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $6, against a peer median of $5 among 13 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 26, 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 Oct 26, 2026. Total assets from FDIC and NCUA records.
Call reports for Soarion 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 | $1.5M | −$27K | −1.7% |
| Q1 2026 | $1.6M | −$588K | −27.5% |
| Q4 2025 | $2.1M | +$175K | +8.9% |
| Q3 2025 | $2.0M | +$192K | +10.8% |
| Q2 2025 | $1.8M | +$194K | +12.3% |
| Q1 2025 | $1.6M | −$139K | −8.1% |
| Q4 2024 | $1.7M | +$271K | +18.7% |
| Q3 2024 | $1.4M | −$16K | −1.1% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Soarion 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 Soarion Federal Credit Union by share.
Amounts from Soarion Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month · waived for ages 18-25
per item
per hour
per item
per transaction
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | waived for ages 18-25 |
| Minimum Balance Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Minimum Balance Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Early Closure Fee if Closed within 60 Days of Opening | $5Below the U.S. middle 50% ($10 to $25 nationally) | per item | None |
| Inactivity Fee (first charged to checking then savings) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Research per hour (one hour minimum) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Statement Reconciliation (one hour minimum) | $20Inside the U.S. middle 50% ($6.63 to $25 nationally) | Not stated | None |
| Excess Withdrawal Fee (After Six Free) | $10Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
| Bad Address Fee | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Courtesy Pay per debit as applicable | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned item drawn on an account owned | $29Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Balance Inquiry – Non-Soarion Federal Credit | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Savings ATM Balance Inquiry – Non-Soarion Federal Credit | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire – outgoing | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire – incoming | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Incoming wire fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per transaction | None |
| International Wire – outgoing | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Stop Payment (Checks and Other Payments per Item) | $29Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment on an OƯicial Check | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (12 Checks) | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Temporary Checks (20 Checks) | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Non-Member Check Cashing Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Photocopy (in excess of two) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Account Services | |||
| Garnishment/Levy | $50Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy per statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
vs. the U.S. middle 50%:BelowInsideAbove
per item
per hour
per item
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Minimum Balance Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Minimum Balance Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Early Closure Fee if Closed within 60 Days of Opening | $5Below the U.S. middle 50% ($10 to $25 nationally) | per item | None |
| Inactivity Fee (first charged to checking then savings) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Research per hour (one hour minimum) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Statement Reconciliation (one hour minimum) | $20Inside the U.S. middle 50% ($6.63 to $25 nationally) | Not stated | None |
| Excess Withdrawal Fee (After Six Free) | $10Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
| Bad Address Fee | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Courtesy Pay per debit as applicable | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned item drawn on an account owned | $29Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Balance Inquiry – Non-Soarion Federal Credit | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Savings ATM Balance Inquiry – Non-Soarion Federal Credit | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire – outgoing | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire – incoming | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire – outgoing | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Stop Payment (Checks and Other Payments per Item) | $29Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment on an OƯicial Check | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (12 Checks) | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Temporary Checks (20 Checks) | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Non-Member Check Cashing Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Photocopy (in excess of two) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Business Bill Pay per month | $10 | per month | None |
Account Services | |||
| Garnishment/Levy | $50Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy per statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 14, 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 Soarion Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
8 offices in 1 state (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| San Antonio, TX | 5 |
| Del Rio, TX | 1 |
| Lackland Afb, TX | 1 |
| Schertz, TX | 1 |
Largest competitors nearby
Local market: Bexar county, TX, around its headquarters.
| 65 in its local market | Deposit share |
|---|---|
| USAA Federal Savings Bank | 56% |
| Citibank, National Association | 18.9% |
| Bank of America, National Association | 3% |
| JPMorgan Chase Bank, National Association | 2.4% |
| Wells Fargo Bank, National Association | 2.1% |
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.