Compared with Texas
4 of 18
compared fees are above the median.
14 below, 0 about the same.
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
64th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 18 compared; 14 below, 0 about the same
See the feesFee schedule read Oct 20, 2026
Call-report figures are for The People'S 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. | The People'S 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 9.4% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (64th 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 $322K in Q2 2026, 12% above the same quarter a year earlier ($287K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 18 compared published fees sit above the Texas median; 14 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.
NSF / Returned Item
Compared at $21, the middle of its prices
Overdraft (OD)
Compared at $22, its standard fee, the highest of its prices
Wire Transfer (Domestic Out)
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 rose 13% from Q3 2025 to Q2 2026, to $322K. Its share of revenue, 9.4%, is above the 7.2% median for credit unions with under $300M in assets.
$322K
The People'S 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. *Overdraft: Listed at $20 to $22; we compare the highest.
The People'S Federal Credit Union · $229M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| The People'S Federal Credit Union(this institution) | Amarillo, TX | $229M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cal-Com Federal Credit Union | Port Lavaca, TX | $226M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Campco Federal Credit Union | Gillette, WY | $228M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Canopy Federal Credit Union | Spokane, WA | $222M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Capitol Federal Credit Union | Austin, TX | $234M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Carolina Foothills Federal Credit Union | Spartanburg, SC | $224M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Chaffey Federal Credit Union | Upland, CA | $230M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Chrome Federal Credit Union | Canonsburg, PA | $224M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Clearpath Federal Credit Union | Burbank, CA | $229M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community First Guam Federal Credit Union | Hagatna, GU | $233M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Expedition Federal Credit Union | Mendota Heights, MN | $223M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Service Federal Credit Union | Groveport, OH | $236M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fort Mcclellan Federal Credit Union | Anniston, AL | $224M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Harris County Federal Credit Union | Houston, TX | $223M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hawaii Law Enforcement Federal Credit Union | Honolulu, HI | $230M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hometown Federal Credit Union | Kulm, ND | $223M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Midwest Members Federal Credit Union | Wood River, IL | $227M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| New Cumberland Federal Credit Union | New Cumberland, PA | $229M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northern Skies Federal Credit Union | Anchorage, AK | $232M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Pantex Federal Credit Union | Borger, TX | $233M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sabine Federal Credit Union | Orange, TX | $235M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| True North Federal Credit Union | Juneau, AK | $236M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| U S #1364 Federal Credit Union | Merrillville, IN | $222M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Urw Community Federal Credit Union | Danville, VA | $224M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Western Division Federal Credit Union | Williamsville, NY | $224M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Westex Community Federal Credit Union | Kermit, TX | $231M | Publishes Monthly maintenance | Out-of-network ATM not published | 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.
Peer pricing snapshot
The peer median is $6.25 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
The People'S Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
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.
Call reports for The People'S 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 | $322K | +$29K | +9.9% |
| Q1 2026 | $293K | −$24K | −7.6% |
| Q4 2025 | $317K | +$32K | +11.2% |
| Q3 2025 | $285K | −$2K | −0.7% |
| Q2 2025 | $287K | −$8K | −2.7% |
| Q1 2025 | $295K | −$34K | −10.3% |
| Q4 2024 | $329K | +$35K | +11.9% |
| Q3 2024 | $294K | +$17K | +6.1% |
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, The People'S 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 The People'S Federal Credit Union by share.
Amounts from The People'S Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per hour
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account balancing assistance (per hour) | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account research (per hour) | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bill Payer without opting for Electronic Statements/ mail paper statement | $4.95Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Excess Transfer Fee | $2Below the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Overdraft - each overdraft paid | $20Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft - each overdraft paid | $22Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Nonsufficient funds (NSF) | $22Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Nonsufficient funds ATM, debit card or preauthorized withdrawal | $20Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Replace ATM/debit or credit card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| International Transaction Fee | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Outgoing wire transfer | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Outgoing wire transfer | $35Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Teller 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 |
| Check printing (in house) 20 | $5Inside the U.S. middle 50% ($0.20 to $18.69 nationally) | Not stated | None |
| Stop payments | $22Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop payments | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop payments - ACH payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop payments - ACH payment | $22Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing Fee (Non-member/3 Party) | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Negative Account Collection Fee | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Negative Account Collection Fee | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of draft | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Payer | $4.95Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Payer | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited checks (and other items) returned unpaid | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Reload Gift Card | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Travel/Reloadable Gift Card | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| VISA Gift Cards | $2Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Fax photo/Fax service | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy | $0.25Below the U.S. middle 50% ($2 to $5 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 The People'S 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.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Amarillo, TX | 3 |
| Canyon, TX | 1 |
| Childress, TX | 1 |
Largest competitors nearby
Local market: Potter and Randall counties, TX, around its headquarters.
| 27 in its local market | Deposit share |
|---|---|
| Amarillo National Bank | 63% |
| Centennial Bank | 9.4% |
| FirstBank Southwest | 7.2% |
| First United Bank | 4.9% |
| Bank of America, National Association | 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.