Compared with Oklahoma
13 of 20
compared fees are above the median.
1 below, 6 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
55th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Oklahoma median
of 20 compared; 1 below, 6 about the same
See the feesFee schedule read Oct 28, 2026
Call-report figures are for Employees 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 Oklahoma median | Published fees above the Oklahoma median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Employees Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 28, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.9% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (55th 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 $108K in Q2 2026, 5.9% above the same quarter a year earlier ($102K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
13 of 20 compared published fees sit above the Oklahoma median; 1 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 Oklahoma medians for fees published by banks and credit unions.
NSF / Returned Item
Wire Transfer (Domestic Out)
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Oklahoma, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 4.4% from Q3 2025 to Q2 2026, to $108K. Its share of revenue, 7.9%, is above the 7.2% median for credit unions with under $300M in assets.
$108K
Employees 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.
Employees Federal Credit Union · $47M 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 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Employees Federal Credit Union(this institution) | Tulsa, OK | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| All Saints Federal Credit Union | Parma, OH | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bloomington Municipal Federal Credit Union | Bloomington, IL | $46M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capitol View Federal Credit Union | Des Moines, IA | $46M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Children'S Medical Center Federal Credit Union | Cincinnati, OH | $47M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Element Federal Credit Union | Charleston, WV | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Enfield Community Federal Credit Union | Enfield, CT | $46M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fire Fighters Federal Credit Union | Tulsa, OK | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fox Valley Federal Credit Union | Aurora, IL | $46M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| H. E. Telephone Federal Credit Union | Rochelle Park, NJ | $46M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hampton Roads Educ Credit Union Inc | Hampton, VA | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Holy Rosary Federal Credit Union | Kansas City, MO | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Huntingtonized Federal Credit Union | Huntington, WV | $47M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Kansas City Federal Credit Union | Kansas City, MO | $46M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Lufkin Federal Credit Union | Lufkin, TX | $48M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Marathon County Employees Federal Credit Union | Wausau, WI | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mountain Star Federal Credit Union | El Paso, TX | $46M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Police Credit Union of Connecticut | Hartford, CT | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Rochester & Monroe Co Emp Federal Credit Union | Rochester, NY | $46M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| St. Tammany Federal Credit Union | Slidell, LA | $47M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Starr County Teachers Federal Credit Union | Rio Grande City, TX | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Stewart'S Federal Credit Union | Saratoga Springs, NY | $47M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Syracuse Cooperative Federal Credit Union | Syracuse, NY | $47M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Toledo Fire Fighters Federal Credit Union | Toledo, OH | $46M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vigo County Federal Credit Union | Terre Haute, IN | $46M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Worcester Fire Dept. Federal Credit Union | Worcester, MA | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(out-of-network atm)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1 among 9 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 22, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Employees 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 22, 2026. Total assets from FDIC and NCUA records.
Call reports for Employees 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 | $108K | +$8K | +8.0% |
| Q1 2026 | $100K | −$7K | −6.5% |
| Q4 2025 | $107K | −$6K | −5.3% |
| Q3 2025 | $113K | +$11K | +10.8% |
| Q2 2025 | $102K | −$2K | −1.9% |
| Q1 2025 | $104K | −$10K | −8.8% |
| Q4 2024 | $114K | +$11K | +10.7% |
| Q3 2024 | $103K | −$7K | −6.4% |
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, Employees 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 Employees Federal Credit Union by share.
Amounts from Employees Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per item
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee (6 months of no activity and return mail) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Account Fee (6 months of no activity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconcilement (Per Hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive Withdrawal Fee (Over 6 per month) | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Return Mail Fee | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Non-Sufficient Funds (NSF) | $29Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Share to Share Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Replacement Card (Lost or Damaged) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| International Transaction Fee | 3%of the transaction | Not stated | None |
| International Transaction Fee (audience not stated, treated as personal) | 3%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Non-Members Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Orders (6 months) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Draft Copies | $2.50Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay Non-Use Fee (After 60 days non-use) | $5.95Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Loose Coin (Over $300.00) | $5Above the U.S. middle 50% ($0 to $2 nationally) | Not stated | None |
| Return Deposit Items (Includes Loan Payment Items) | $29Above the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Fee for Non-Members | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box 10x10 (audience not stated, treated as personal) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x10 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x10 (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment Processing Fee | $35Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levy Processing Fee | $35Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Annual Fee | No chargeBelow the U.S. middle 50% ($10 to $25 nationally) | per year | None |
Other Fees | |||
| Copy of Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Duplicate Lien Release | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Payment Deferral (Skip-a-Payment) | $25Inside the U.S. middle 50% ($20 to $37.50 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
Oct 28, 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 Employees 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
| Tulsa, OK | 3 |
Largest competitors nearby
Local market: Tulsa and Creek counties, OK, around its headquarters.
| 70 in its local market | Deposit share |
|---|---|
| BOKF, National Association | 34% |
| Arvest Bank | 7.8% |
| Bank of America, National Association | 4.6% |
| JPMorgan Chase Bank, National Association | 3.7% |
| Regent Bank | 3.7% |
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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