Compared with Delaware
6 of 10
compared fees are above the median.
4 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
44th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Delaware median
of 10 compared; 4 below, 0 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Edu 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 Delaware median | Published fees above the Delaware median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Edu Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.3% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (44th 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 $26K in Q2 2026, 19% below the same quarter a year earlier ($32K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 10 compared published fees sit above the Delaware median; 4 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 Delaware medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Compared at $40, the middle of its prices
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Delaware, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 33% from Q3 2025 to Q2 2026, to $26K. Its share of revenue, 6.3%, is below the 7.2% median for credit unions with under $300M in assets.
$26K
Edu 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.
Edu Federal Credit Union · $44M 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Edu Federal Credit Union(this institution) | New Castle, DE | $44M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Access Of Louisiana Federal Credit Union | Lake Charles, LA | $44M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| B.O.N.D. Community Federal Credit Union | Atlanta, GA | $44M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Business And Industrial Federal Credit Union | Columbus, IN | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| California Adventist Federal Credit Union | Glendale, CA | $45M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Carpenters Federal Credit Union | Saint Paul, MN | $44M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Cherokee County Federal Credit Union | Rusk, TX | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Collegedale Federal Credit Union | Collegedale, TN | $45M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Eastern Indiana Federal Credit Union | New Castle, IN | $44M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ft Randall Federal Credit Union | Wagner, SD | $44M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Geismar Complex Federal Credit Union | Geismar, LA | $45M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Kemba Charleston Federal Credit Union | Dunbar, WV | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lakeside Federal Credit Union | New Johnsonville, TN | $45M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Les Federal Credit Union | Baton Rouge, LA | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mcpherson Co-Op Federal Credit Union | Mcpherson, KS | $44M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Members Federal Credit Union | Stamford, CT | $44M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mississippi National Guard Federal Credit Union | Jackson, MS | $43M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northern New Mexico School Employee Federal Credit Union | Santa Fe, NM | $45M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Saint Francis Employees Federal Credit Union | Tulsa, OK | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sioux Valley Community Federal Credit Union | Sioux City, IA | $44M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Solutions Federal Credit Union | Elmira, NY | $43M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vantage Point Federal Credit Union | Hopewell, VA | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wakota Federal Credit Union | South St Paul, MN | $45M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| West Metro Schools Federal Credit Union | Hopkins, MN | $44M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wyrope Williamsport Federal Credit Union | S Williamsport, PA | $44M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| York Educational Federal Credit Union | York, PA | $43M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(out-of-network atm)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1 among 11 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 30, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Edu Federal Credit Union does not publish an out-of-network atm 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 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Edu 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 | $26K | −$9K | −25.7% |
| Q1 2026 | $35K | −$7K | −16.7% |
| Q4 2025 | $42K | +$3K | +7.7% |
| Q3 2025 | $39K | +$7K | +21.9% |
| Q2 2025 | $32K | −$4K | −11.1% |
| Q1 2025 | $36K | −$9K | −20.0% |
| Q4 2024 | $45K | +$9K | +25.0% |
| Q3 2024 | $36K | −$17K | −32.1% |
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, Edu 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 Edu Federal Credit Union by share.
Amounts from Edu Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account (inactive for 1 year) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheat Fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Balancing | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Mailed Paper Statements | $1Below the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned Mail/Bad Address | $2Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdrafts | $10Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF ACH | $40Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF Member Draft | $40Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF Overdraw on Debit | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Replacement Debit/ATM/Credit Card | $30Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Delivery (Debit/ATM/Credit Cards) | $25Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Foreign transaction fee (multiple currency) (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Check Services | |||
| Certified Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment – ACH | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment – Bill Pay | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment – Credit Union Check | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment – Member Draft | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Account Services | |||
| Notary Service | $1Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 2, 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 Edu Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 3 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Elkton, MD | 1 |
| Historic New Castle, DE | 1 |
| Memphis, TN | 1 |
Largest competitors nearby
Local market: New Castle county, DE, around its headquarters.
| 36 in its local market | Deposit share |
|---|---|
| Capital One, National Association | 66.3% |
| TD Bank, National Association | 12.5% |
| Barclays Bank Delaware | 7.5% |
| TD Bank USA, National Association | 5.8% |
| Manufacturers and Traders Trust Company | 2.8% |
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.