20 published fees; none has a market median to compare yet.
Source: its fee schedule, read Nov 1, 2026.
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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 1, 2026
Call-report figures are for Otero 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) Shown when at least 10 credit unions of its size report a share above 0%. | Not on file | Not on file | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Otero Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was $861K in Q2 2026, 46% above the same quarter a year earlier ($588K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Elite Checking
Can be waived with a balance of $200 or more.
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for New Mexico, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 23% from Q3 2025 to Q2 2026, to $861K.
$861K
Otero Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Otero Federal Credit Union · $535M 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 |
|---|---|---|---|---|---|---|---|
| Otero Federal Credit Union(this institution) | Alamogordo, NM | $535M | 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 |
| 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 |
| Coastlife Federal Credit Union | Corpus Christi, TX | $520M | 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 |
| Lebanon Federal Credit Union | Lebanon, PA | $540M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Levo Federal Credit Union | Sioux Falls, SD | $516M | 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 |
| Oucu Financial Credit Union, Inc. | Athens, OH | $527M | Publishes Monthly maintenance | Out-of-network ATM not published | 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 |
| Security First Federal Credit Union | Mcallen, TX | $517M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | 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 |
| Soarion Federal Credit Union | San Antonio, TX | $556M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Sunwest Federal Credit Union | Glendale, AZ | $525M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | 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 |
| Westerly Community Federal Credit Union | Wakefield, RI | $520M | 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.
Peer pricing snapshot
Its published price is $5, against a peer median of $5 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 Oct 25, 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 25, 2026. Total assets from FDIC and NCUA records.
Call reports for Otero 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 | $861K | +$74K | +9.4% |
| Q1 2026 | $787K | +$70K | +9.8% |
| Q4 2025 | $717K | +$16K | +2.3% |
| Q3 2025 | $701K | +$113K | +19.2% |
| Q2 2025 | $588K | +$3K | +0.5% |
| Q1 2025 | $585K | −$49K | −7.7% |
| Q4 2024 | $634K | +$18K | +2.9% |
| Q3 2024 | $616K | +$26K | +4.4% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Otero Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per hour
per month
per month
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Elite Checking Monthly Fee | $5 | per month | None |
| Minimum Balance Fee (per month-if savings account falls below $25.00) | $1 | per month | None |
| Account Early Closure Fee (within 6 months of opening) | $25 | Not stated | None |
| Dormant Account Fee | $5 | per month | None |
| Escheated Account Fee (on dormant accounts after 5 years) | $25 | Not stated | None |
| Account Balancing/Research Fee (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Monthly Fee | $1 | per month | None |
| Bad Address Fee (per month) | $2 | per month | None |
Overdraft & NSF | |||
| Courtesy Pay/Overdraft Fee | $30 | Not stated | None |
| NSF Return Item Fee | $30 | Not stated | None |
ATM & Card | |||
| Out-Of-Network ATM Fee | $1 | Not stated | None |
| Card Replacement Fee (ATM, VISA Debit Card, Credit Card) | $10 | Not stated | None |
| Expedited Card Replacement Fee | $25 | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer Fee (outgoing) | $20 | Not stated | None |
Check Services | |||
| Credit Union Teller Check Fee | $5 | Not stated | None |
| Money Order Fee | $2 | Not stated | None |
| Stop Payment Fee (Checking, Preauthorized Electronic Fund Transfer (ACH), Bill Payment Item, Teller Check or Money Order) | $25 | Not stated | None |
Digital & Electronic | |||
| Inactive Bill Payment Account Fee (per month) | $3 | per month | None |
Cash & Deposit | |||
| Credit Card Cash Advance Access Fee | 5%of the advance ($5 minimum) | Not stated | None |
Account Services | |||
| Notary Service Fee (waived for members) | $5 | Not stated | None |
| Safe Deposit Box 10x10 | $65 | per year | None |
| Safe Deposit Box 3x10 | $30 | per year | None |
| Safe Deposit Box 3x5 | $20 | per year | None |
| Safe Deposit Box 5x10 | $40 | per year | None |
| Safe Deposit Box 5x5 | $30 | per year | None |
| Garnishment/Levy Fee | $50 | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Card Fee | $3 | Not stated | None |
Nov 1, 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.
Fee change alerts
We check once a day and send one email covering every change.