Compared with Texas
12 of 18
compared fees are above the median.
3 below, 3 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
87th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 18 compared; 3 below, 3 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Firstlight 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 452 credit unions with $1B to $10B 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. | Firstlight 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 11% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (87th 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 $3.4M in Q2 2026, 6.2% above the same quarter a year earlier ($3.2M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
12 of 18 compared published fees sit above the Texas median; 3 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 Texas medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Compared at $12.50, the middle of its prices
Overdraft (OD)
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.
Fee income rose 7.9% from Q3 2025 to Q2 2026, to $3.4M. Its share of revenue, 11%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$3.4M
Firstlight 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $20; we compare the midpoint.
Firstlight Federal Credit Union · $1.6B 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 21 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Firstlight Federal Credit Union(this institution) | El Paso, TX | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Alabama One Federal Credit Union | Tuscaloosa, AL | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Allsouth Federal Credit Union | Columbia, SC | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Aloha Pacific Federal Credit Union | Honolulu, HI | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Collins Community Federal Credit Union | Cedar Rapids, IA | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Credit Union 1 | Anchorage, AK | $1.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Dade County Federal Credit Union | Sweetwater, FL | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Del Norte Federal Credit Union | Los Alamos, NM | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Financial Plus Federal Credit Union | Flint, MI | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Community Federal Credit Union | Jamestown, ND | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Frontwave Federal Credit Union | Oceanside, CA | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Greater Nevada Federal Credit Union | Carson City, NV | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kemba Federal Credit Union | West Chester, OH | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merck Employees Federal Credit Union | Rahway, NJ | $1.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Mid-Hudson Valley Federal Credit Union | Kingston, NY | $1.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Northrop Grumman Federal Credit Union | Gardena, CA | $1.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| One Nevada Federal Credit Union | Las Vegas, NV | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| San Francisco Federal Credit Union | San Francisco, CA | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| San Francisco Fire Federal Credit Union | San Francisco, CA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Skyla Federal Credit Union | Charlotte, NC | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Truwest Federal Credit Union | Scottsdale, AZ | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| United Heritage Federal Credit Union | Austin, TX | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| University of Va Community Credit Union | Charlottesville, VA | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Utilities Employees Federal Credit Union | Reading, PA | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Verve, A Credit Union | Oshkosh, WI | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Webster First Federal Credit Union | Worcester, MA | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | 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
Compared at $12.50, the middle of its two prices, against a peer median of $5.95 among 14 publishing peers.
Its two checking prices are $5 and $20.
$12.50 is a comparison price, not a fee anyone is charged.
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
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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Firstlight 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 | $3.4M | +$142K | +4.4% |
| Q1 2026 | $3.3M | +$12K | +0.4% |
| Q4 2025 | $3.2M | +$96K | +3.1% |
| Q3 2025 | $3.1M | −$53K | −1.7% |
| Q2 2025 | $3.2M | +$49K | +1.6% |
| Q1 2025 | $3.2M | −$67K | −2.1% |
| Q4 2024 | $3.2M | −$74K | −2.2% |
| Q3 2024 | $3.3M | −$25K | −0.8% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Firstlight 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 Firstlight Federal Credit Union by share.
Amounts from Firstlight Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per month
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee | $20Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Minimum daily balance below $2,500 | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Minimum daily balance below $2,500 | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closure (Less than 90 days) | $5Not compared: Monthly charge, not per item | per month | None |
| Escheatment Processing | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Returned Mail Fee | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Courtesy Pay Fee | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds (Check, ACH, Debit Card) | $32Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Non-FirstLight ATMs | $3Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
Check Services | |||
| Cashier’s Check | $7.50Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Fee (Incoming and outgoing) | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing Fee (Non-members) | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Returned Item Fee | $20Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service Fee | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box 10” X 10” | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2” X 5” | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3” X 10” | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3” X 5” | $33Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5” X 10” | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5” X 5” | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 7” X 10” | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Set Up | $10Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Legal Processing Fee | $75Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
Vehicle & Title | |||
| Vehicle Title Documentation Fee | $50Above the U.S. middle 50% ($15 to $49.34 nationally) | Not stated | None |
Other Fees | |||
| Skip-a-Payment Fee | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | 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.
Where Firstlight Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
13 offices in 2 states (June 30, 2026)
Each dot is one office.
12 of 13 offices on the map. 3 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| El Paso, TX | 8 |
| Las Cruces, NM | 3 |
| Fort Bliss, TX | 1 |
| Horizon City, TX | 1 |
Largest competitors nearby
Local market: El Paso county, TX, around its headquarters.
| 21 in its local market | Deposit share |
|---|---|
| WestStar Bank | 24.3% |
| Wells Fargo Bank, National Association | 21.3% |
| JPMorgan Chase Bank, National Association | 17.6% |
| Bank of America, National Association | 11.3% |
| PNC Bank, National Association | 5.8% |
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.