Compared with Texas
7 of 13
compared fees are above the median.
2 below, 4 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
59th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 13 compared; 2 below, 4 about the same
See the feesFee schedule read Oct 20, 2026
Call-report figures are for South Texas 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. | South Texas Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 20, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.5% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (59th 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 $69K in Q2 2026, 27% below the same quarter a year earlier ($94K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 13 compared published fees sit above the Texas median; 2 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
Compared at $7.50, the middle of its prices
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 10% from Q3 2025 to Q2 2026, to $69K. Its share of revenue, 8.5%, is above the 7.2% median for credit unions with under $300M in assets.
$69K
South Texas 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. *Monthly maintenance: Listed at $5 to $10; we compare the midpoint.
South Texas Federal Credit Union · $69M 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 |
|---|---|---|---|---|---|---|---|
| South Texas Federal Credit Union(this institution) | McALLEN, TX | $69M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Access Federal Credit Union | Bristol, PA | $70M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Alcoa Community Federal Credit Union | Benton, AR | $70M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| American Spirit Federal Credit Union | Newark, DE | $68M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Avestar Federal Credit Union | Waterloo, WI | $68M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Benton County Schools Federal Credit Union | Corvallis, OR | $69M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Cornerstone Federal Credit Union | Fairfield, CT | $68M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Electel Cooperative Federal Credit Union | Raleigh, NC | $68M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ep Federal Credit Union | Washington, DC | $71M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Firefighters Federal Credit Union | Draper, UT | $70M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Friendly Federal Credit Union | Aliquippa, PA | $69M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Greater Niagara Federal Credit Union | Niagara Falls, NY | $70M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Healthcare Plus Federal Credit Union | Aberdeen, SD | $70M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kh Credit Union, Inc. | Dayton, OH | $71M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kings Peak Federal Credit Union | Roosevelt, UT | $68M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Latitude 32 Federal Credit Union | Charleston, SC | $70M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Middle Tennessee Federal Credit Union | Cookeville, TN | $71M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Parishioners Federal Credit Union | Torrance, CA | $70M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rocket City Federal Credit Union | Huntsville, AL | $69M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Star Of Texas Federal Credit Union | austin, TX | $72M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Stoneham Municipal Employees Federal Credit Union | Stoneham, MA | $70M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Tahquamenon Area Federal Credit Union | Newberry, MI | $70M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Universal City Studios Federal Credit Union | Burbank, CA | $72M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| West Texas Federal Credit Union | Odessa, TX | $70M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wheatland Federal Credit Union | Lancaster, PA | $70M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wvu Employees Federal Credit Union | Morgantown, WV | $68M | 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 · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7.50, the middle of its two prices, against a peer median of $5 among 9 publishing peers.
Its two checking prices are $5 and $10.
$7.50 is a comparison price, not a fee anyone is charged.
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 South Texas 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 | $69K | −$1K | −1.4% |
| Q1 2026 | $70K | −$8K | −10.3% |
| Q4 2025 | $78K | +$1K | +1.3% |
| Q3 2025 | $77K | −$17K | −18.1% |
| Q2 2025 | $94K | −$4K | −4.1% |
| Q1 2025 | $98K | −$6K | −5.8% |
| Q4 2024 | $104K | −$2K | −1.9% |
| Q3 2024 | $106K | +$13K | +14.0% |
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, South Texas 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 South Texas Federal Credit Union by share.
Amounts from South Texas Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closing Fee (90 days or less) | $30Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant/ Inactivity Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciling/ Research Fee | $27Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Privilege Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| ACH NSF Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Nonsufficient Funds (NSF) Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Protection Transfer Fee | $4Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM (at non-proprietary ATMs) | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement Fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Excessive Cashier’s Check Fee | $4Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Non-Member Cashier’s Check Fee | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| ACH Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Non-Member Check Cashing Fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Share Draft Copy Fee | $6Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay Overnight Mail | $26.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay Standard US Mail | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Oct 20, 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 South Texas Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Weslaco, TX | 2 |
| Mcallen, TX | 1 |
Largest competitors nearby
Local market: Hidalgo county, TX, around its headquarters.
| 23 in its local market | Deposit share |
|---|---|
| International Bank of Commerce | 15.5% |
| Lone Star National Bank | 14.1% |
| Vantage Bank Texas | 10.8% |
| JPMorgan Chase Bank, National Association | 8.7% |
| PNC Bank, National Association | 8.5% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
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