Citizens Federal Credit Union

Headquarters: Big Spring, Texas
Charter: Credit Union
Assets: $201.9M
Fed district: Dallas
Regulator: NCUA

Explore Hamilton View published fees

Compared with Texas

15 of 17

compared fees are above the median.

0 below, 2 about the same.

About the same: within 1% of the median.

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
70th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 17 compared; 0 below, 2 about the same
See the fees
Fee schedule read Oct 30, 2026

How these figures are measured

Call-report figures are for Citizens 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.	Citizens Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 30, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Citizens 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 10% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (70th 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 $290K in Q2 2026, 13% above the same quarter a year earlier ($257K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
15 of 17 compared published fees sit above the Texas median; 0 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.

Fees against the market

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

Non-Network ATM
Compared at $2, the middle of its prices
Citizens Federal Credit Union: $1 to $3
Citizens Federal Credit Union: $1 to $3
Texas median: $1.50154 publishDallas district median: $1.50173 publishU.S. median: $1.501,650 publish
Monthly Maintenance
Citizens Federal Credit Union: $9.50
Citizens Federal Credit Union: $9.50
Texas median: $7.50166 publishDallas district median: $7.50188 publishU.S. median: $71,901 publish
Overdraft (OD)
Citizens Federal Credit Union: $30
Citizens Federal Credit Union: $30
Texas median: $30217 publishDallas district median: $30241 publishU.S. median: $302,600 publish

Published schedulesBanks and credit unionsRead Oct 30, 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 1.4% from Q3 2025 to Q2 2026, to $290K. Its share of revenue, 10%, is above the 7.2% median for credit unions with under $300M in assets.

Fee income, Q2 2026

$290K

$286KQ3 2025

$300KQ4 2025

$286KQ1 2026

$290KQ2 2026

Against the median (TX for fees)

Share of revenue10% / 7.2%
Overdraft$30 / $30
Non‑network ATM$2* / $1.50
Monthly maintenance$9.50 / $7.50

Citizens 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.

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. *Non-network ATM: Listed at $1 to $3; we compare the midpoint.

How much of the higher share comes from how often fees are charged, rather than what they cost?
Do waivers and balance requirements change what most customers actually pay?
Which fees make up most of fee income, and has that mix changed?

See a free sample report

Among its peers

Citizens Federal Credit Union · $202M 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.

Credit unions only
$196M to $208M in assets
Headquartered in 18 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
Citizens Federal Credit Union(this institution)	Big Spring, TX	$202M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Abbey Federal Credit Union	Vandalia, OH	$200M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Aim Federal Credit Union	Dubuque, IA	$201M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Awakon Federal Credit Union	Onaway, MI	$203M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Bluestone Federal Credit Union	Sioux Falls, SD	$206M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central Virginia Federal Credit Union	Lynchburg, VA	$198M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Coloramo Federal Credit Union	Grand Junction, CO	$196M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cooperative Choice Network Federal Credit Union	Peoria, IL	$206M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Duke University Federal Credit Union	Durham, NC	$203M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Endurance Federal Credit Union	Duncan, OK	$196M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Financial Trust Federal Credit Union	Cheektowaga, NY	$203M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fire Police City County Federal Credit Union	Fort Wayne, IN	$207M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Membersource Federal Credit Union	Houston, TX	$196M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Merco Federal Credit Union	Merced, CA	$207M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northern Hills Federal Credit Union	Sturgis, SD	$205M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Priority One Federal Credit Union	South Pasadena, CA	$206M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Red Wing Federal Credit Union	Red Wing, MN	$208M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Saco Valley Federal Credit Union	Saco, ME	$196M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Schools Federal Credit Union	Torrance, CA	$196M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sentinel Federal Credit Union	Box Elder, SD	$199M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Service 1 Federal Credit Union	Muskegon, MI	$199M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Sky Federal Credit Union	Livingston, MT	$197M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Southwest Montana Community Federal Credit Union	Anaconda, MT	$203M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Spirit Of Alaska Federal Credit Union	Fairbanks, AK	$201M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Trunorth Federal Credit Union	Ishpeming, MI	$203M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
White Eagle Federal Credit Union	Augusta, KS	$199M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $2 (27%) above the median of similar-sized credit unions.

Its published price is $9.50, against a peer median of $7.50 among 13 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 Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Citizens Federal Credit U…Peer (equal prices stack)Peer medianInclude $36.50 outlierShown past the axis break, not to scale, so the rest of the set has room.

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 Nov 2, 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 Citizens 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: $290K
vs prior quarter: +$4K+1.4%; from Q1 2026
vs a year earlier: +$33K+12.8%; from Q2 2025
vs start of range: −$22K−7.1%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Citizens 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	$290K	+$4K	+1.4%
Q1 2026	$286K	−$14K	−4.7%
Q4 2025	$300K	+$14K	+4.9%
Q3 2025	$286K	+$29K	+11.3%
Q2 2025	$257K	−$20K	−7.2%
Q1 2025	$277K	−$43K	−13.4%
Q4 2024	$320K	+$8K	+2.6%
Q3 2024	$312K	+$34K	+12.2%

Fee-income share against its size cohort

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, Citizens Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Citizens Federal Credit Union: 10%
Percentile: 70th
25th percentile: 3.7%
Median: 7.2%
75th percentile: 11%

Citizens Federal Credit Union 10.4%Median 7.2%Middle half 3.7% to 11.4%Peers at each share21 above 30%, counted in the last bar

Find a peer (2,932)

The 15 closest to Citizens Federal Credit Union by share.

Details

Source: NCUA 5300 call report
Entity: Each credit union, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026), year to date
Measure: Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: Account 131 / (Account 115 + Account 117)

Published fee schedule

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

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Monthly Service Fee (CK)$9.50
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Inactivity Fee (1 year of inactivity with less than on deposit)$9.95
Not compared: Quarterly charge, not monthly
per quarter
Account Research (1hr minimum)$30
Not compared: Charged per hour; comparison unavailable
per hour
Excessive Withdrawal Fee (SH)$10
Inside the U.S. middle 50% ($3 to $10 nationally)

Overdraft & NSF

Privilege Pay Overdraft Protection$30
Inside the U.S. middle 50% ($25 to $33 nationally)
per item
Non-Sufficient Fund ACH ATM CK PH WB$35
Above the U.S. middle 50% ($25 to $32 nationally)
per item
Overdraft transfer from shares$5
Inside the U.S. middle 50% ($2 to $5 nationally)
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee (CK)	$9.50Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Inactivity Fee (1 year of inactivity with less than on deposit)	$9.95Not compared: Quarterly charge, not monthly	per quarter	None
Account Research (1hr minimum)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive Withdrawal Fee (SH)	$10Inside the U.S. middle 50% ($3 to $10 nationally)	Not stated	None
Overdraft & NSF
Privilege Pay Overdraft Protection	$30Inside the U.S. middle 50% ($25 to $33 nationally)	per item	None
Non-Sufficient Fund ACH ATM CK PH WB	$35Above the U.S. middle 50% ($25 to $32 nationally)	per item	None
Overdraft transfer from shares	$5Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
ATM & Card
ATM Withdrawal from Share (maximum $200/day)	$3Above the U.S. middle 50% ($1 to $2 nationally)	per item	None
Inquiry at Foreign ATM	$1Inside the U.S. middle 50% ($1 to $2 nationally)	per item	None
Replacement of ATM/Debit Card	$15Above the U.S. middle 50% ($5 to $10 nationally)	per item	None
Wire Transfers
Outgoing Wire Transfer	$25Inside the U.S. middle 50% ($20 to $25 nationally)	per item	None
Incoming Wire Error	$25Above the U.S. middle 50% ($5 to $15 nationally)	per item	None
Incoming Wire Transfer	$10Inside the U.S. middle 50% ($5 to $15 nationally)	per item	None
Check Services
Certified Check	$10Above the U.S. middle 50% ($3 to $6 nationally)	per item	None
Money Order	$4Above the U.S. middle 50% ($2 to $3 nationally)	per item	None
Stop Payment on Check, ACH	$35Above the U.S. middle 50% ($20 to $30 nationally)	per item	None
Temporary Check Issued	$5Above the U.S. middle 50% ($1 to $4 nationally)	per item	None
Temporary Check Issued (first sheet) (audience not stated, treated as personal)	$5Above the U.S. middle 50% ($1 to $4 nationally)	per item	Per sheet of four
Check Cashing Fee (audience not stated, treated as personal)	5%($10 minimum)	per item	None
Cash & Deposit
Deposited Check Returned	$35Above the U.S. middle 50% ($9 to $25 nationally)	per item	None
Account Services
10 x 10 x 24 =	$65Above the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
3 x 10 x 24 =	$45Inside the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
3 x 5 x 24 =	$30Below the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
5 x 10 x 24 =	$50Inside the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Late Payment Fee	$25Not compared: Box drilling or key fee	Not stated	None
Garnishment Fee	$50Inside the U.S. middle 50% ($30 to $85 nationally)	per item	None
Other Fees
Statement Copies	$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

Showing 5 of 27 fees.

Correct a fee source

Oct 30, 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.

Branches and public record

Where Citizens Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

6 offices in 1 state (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

Cities with the most offices

Midland, TX	3
Abilene, TX	1
Big Spring, TX	1
Lubbock, TX	1

Largest competitors nearby

Local market: Howard county, TX, around its headquarters.

9 in its local market	Deposit share
The State National Bank of Big Spring	35.9%
Prosperity Bank	31.6%
Wells Fargo Bank, National Association	12.9%
Western Bank	12.8%
Texas Financial Bank	3.6%

Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.

Fee change alerts

Citizens Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Monthly maintenance is $2 (27%) above the median of similar-sized credit unions.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Citizens Federal Credit Union changes in our data

Citizens Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Monthly maintenance is $2 (27%) above the median of similar-sized credit unions.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Citizens Federal Credit Union changes in our data