Southern Federal Credit Union

Headquarters: Houston, Texas
Charter: Credit Union
Assets: $76.4M
Fed district: Dallas
Regulator: NCUA

5 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 4, 2026.

Overview

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 4, 2026

How these figures are measured

Call-report figures are for Southern 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.	Southern Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 4, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Southern Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $50K in Q2 2026, 32% above the same quarter a year earlier ($38K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

OD Protection Transfer
Compared at $2, the middle of its prices
Southern Federal Credit Union: $0 to $2
Southern Federal Credit Union: $0 to $2
U.S. median: no median
Check Image/Copy
Southern Federal Credit Union: $2
Southern Federal Credit Union: $2
U.S. median: no median
Early Account Closure
Southern Federal Credit Union: $5
Southern Federal Credit Union: $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income rose 11% from Q3 2025 to Q2 2026, to $50K.

Fee income, Q2 2026

$50K

$45KQ3 2025

$45KQ4 2025

$48KQ1 2026

$50KQ2 2026

Against the median

Southern Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Southern Federal Credit Union · $76M 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.

Credit unions only
$75M to $78M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Southern Federal Credit Union(this institution)	Houston, TX	$76M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bay Cities Credit Union	Hayward, CA	$78M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Blackstone River Federal Credit Union	Woonsocket, RI	$75M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Chattanooga Federal Employees	Chattanooga, TN	$76M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Churchill County Federal Credit Union	Fallon, NV	$77M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Daviess County Teachers Federal Credit Union	Owensboro, KY	$75M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Des Moines Metro Federal Credit Union	Des Moines, IA	$78M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Eaton Family Federal Credit Union	Euclid, OH	$78M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Educational Community Federal Credit Union	Springfield, MO	$78M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Evergreendirect Federal Credit Union	Tumwater, WA	$76M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Ficare Federal Credit Union	Wesley Chapel, FL	$77M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Foundation Federal Credit Union	Springfield, MO	$77M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Freestone Federal Credit Union	Teague, TX	$77M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Greater Metro Federal Credit Union	Long Island City, NY	$77M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Greater Pittsburgh Federal Credit Union	Pittsburgh, PA	$77M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Health Care Family Federal Credit Union	Saint Louis, MO	$75M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Kbr Heritage Federal Credit Union	Houston, TX	$76M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kemba Roanoke Federal Credit Union	Salem, VA	$77M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members 1St Federal Credit Union	Saint Louis, MO	$76M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Miami University Community Federal Credit Union	Oxford, OH	$77M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Midwest Coalition Of Labor Federal Credit Union	Countryside, IL	$77M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
New York University Federal Credit Union	New York, NY	$78M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Omaha Firefighters Federal Credit Union	Omaha, NE	$76M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Safeway Federal Credit Union	Spokane, WA	$77M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Teamsters Council #37 Federal Credit Union	Portland, OR	$76M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Virginia Educators Credit Union	Newport News, VA	$76M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

17 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Southern Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $6 among 8 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

Southern Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Southern Federal Credit U…Peer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Southern Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $50K
vs prior quarter: +$2K+4.2%; from Q1 2026
vs a year earlier: +$12K+31.6%; from Q2 2025
vs start of range: +$3K+6.4%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Southern Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$50K	+$2K	+4.2%
Q1 2026	$48K	+$3K	+6.7%
Q4 2025	$45K	$0	0.0%
Q3 2025	$45K	+$7K	+18.4%
Q2 2025	$38K	−$1K	−2.6%
Q1 2025	$39K	−$10K	−20.4%
Q4 2024	$49K	+$2K	+4.3%
Q3 2024	$47K	−$3K	−6.0%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Southern Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closure$5
one time
Account Research / Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour
Savings Account Fees Service Fee Terms Savings Account Excessive Withdrawal$2
per item

Overdraft & NSF

Overdraft Loan Transfer$2
per transaction
Overdraft Protection coverageNo charge
Savings Overdraft Transfer$2
per item

Check Services

Check Copy$2
per item

Other Fees

MessagePay convenience fee$6
per transaction

Fee	Amount	Basis	Note
Account Maintenance
Account Closure	$5	one time	None
Account Research / Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Savings Account Fees Service Fee Terms Savings Account Excessive Withdrawal	$2	per item	None
Overdraft & NSF
Overdraft Loan Transfer	$2	per transaction	None
Overdraft Protection coverage	No charge	Not stated	None
Savings Overdraft Transfer	$2	per item	None
Check Services
Check Copy	$2	per item	None
Other Fees
MessagePay convenience fee	$6	per transaction	None

Correct a fee source

Nov 4, 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

Get an email when Southern Federal Credit Union's nsf / returned item changes in our data

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