Compared with Texas
5 of 16
compared fees are above the median.
11 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 Texas median
of 16 compared; 11 below, 0 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for Victoria Teachers 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. | Victoria Teachers Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.4% 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 $13K in Q2 2026, 13% below the same quarter a year earlier ($15K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 16 compared published fees sit above the Texas median; 11 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
NSF / Returned Item
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 fell 28% from Q3 2025 to Q2 2026, to $13K. Its share of revenue, 6.4%, is below the 7.2% median for credit unions with under $300M in assets.
$13K
Victoria Teachers 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.
Victoria Teachers Federal Credit Union · $18M in assets
Credit unions in Texas
Credit unions headquartered in the same state, for comparing published prices.
Showing the 50 closest in assets of 212 peers; medians use all 212.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Victoria Teachers Federal Credit Union(this institution) | Victoria, TX | $18M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Alcon Employees Federal Credit Union | Fort Worth, TX | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bayou City Federal Credit Union | Houston, TX | $24M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ben E Keith Company Employees Federal Credit Union | Fort Worth, TX | $12M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cen Tex Manufacturing Federal Credit Union | Brownwood, TX | $15M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cherokee County Teachers Federal Credit Union | Rusk, TX | $14M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| City Of Deer Park Federal Credit Union | Deer Park, TX | $7M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Common Cents Federal Credit Union | Beaumont, TX | $34M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Concho Valley Federal Credit Union | San Angelo, TX | $26M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Corner Stone Federal Credit Union | lancaster, TX | $20M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Dallas U.P. Employees Federal Credit Union | Dallas, TX | $27M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Empowerment Community Development Federal Credit Union | Houston, TX | $685K | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Faith Cooperative Federal Credit Union | Dallas, TX | $2M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Galveston Government Employees Federal Credit Union | Dickinson, TX | $7M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Germania Federal Credit Union | Brenham, TX | $19M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Highway District 9 Federal Credit Union | Waco, TX | $4M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| I.B.E.W. Lu 66 Federal Credit Union | Pasadena, TX | $12M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Lcra Federal Credit Union | Austin, TX | $20M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Light Commerce Federal Credit Union | Houston, TX | $5M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Linkage Federal Credit Union | Waco, TX | $18M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Local 20 Ibew Federal Credit Union | Grand Prairie, TX | $9M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Local 24 Employees Federal Credit Union | Pasadena, TX | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mclennan County Employees Federal Credit Union | Waco, TX | $22M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mcmurrey Federal Credit Union | Tyler, TX | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Member Preferred Federal Credit Union | Fort Worth, TX | $16M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Methodist Hospital Employees Federal Credit Union | Dallas, TX | $11M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mopac Employees Federal Credit Union | Palestine, TX | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Morris Sheppard Texarkana Federal Credit Union | Texarkana, TX | $13M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Nce Federal Credit Union | Corpus Christi, TX | $6M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Neiman Marcus Group Employees Federal Credit Union | Dallas, TX | $9M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| P.I.E. Federal Credit Union | Houston, TX | $12M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Port Arthur Community Federal Credit Union | Port Arthur, TX | $20M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Redeemer Federal Credit Union | Plano, TX | $5M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Rocket Federal Credit Union | McGregor, TX | $28M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Shared Resources Federal Credit Union | Pasadena, TX | $25M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| South Texas Regional Federal Credit Union | Laredo, TX | $6M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Sweetwater Regional Federal Credit Union | Sweetwater, TX | $7M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Swemp Federal Credit Union | Texarkana, TX | $13M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Temple-Inland Federal Credit Union | Diboll, TX | $20M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Texas Associations Of Professionals Federal Credit Union | San Antonio, TX | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Texas Community Federal Credit Union | Kingsville, TX | $30M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Texas People Federal Credit Union | Fort Worth, TX | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texhillco School Employees Federal Credit Union | Kerrville, TX | $27M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| The Local Federal Credit Union | Dallas, TX | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Txdot Federal Credit Union | Abilene, TX | $18M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Union Fidelity Federal Credit Union | Houston, TX | $28M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| United Energy Federal Credit Union | Humble, TX | $30M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Federal Credit Union | Tyler, TX | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Valwood Park Federal Credit Union | Carrollton, TX | $30M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vatat Federal Credit Union | Austin, TX | $11M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Victoria City-County Employees Federal Credit Union | Victoria, TX | $7M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
212 peers selected · 103 publish this fee(monthly maintenance)
109 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $6.50 among 103 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 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee, among the 50 peers shown
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Victoria Teachers 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 | $13K | −$2K | −13.3% |
| Q1 2026 | $15K | −$2K | −11.8% |
| Q4 2025 | $17K | −$1K | −5.6% |
| Q3 2025 | $18K | +$3K | +20.0% |
| Q2 2025 | $15K | +$1K | +7.1% |
| Q1 2025 | $14K | −$4K | −22.2% |
| Q4 2024 | $18K | $0 | 0.0% |
| Q3 2024 | $18K | −$3K | −14.3% |
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, Victoria Teachers 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 Victoria Teachers Federal Credit Union by share.
Amounts from Victoria Teachers Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per year
per hour · Account Research (Per hour - one-hour minimum) | $25.00
varies · Per hour - one-hour minimum
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Quarterly Maintenance Fee (If $100.00 average daily balance is not maintained) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Closing account within 90 days of opening | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive account fee (Per year) | $5Not compared: Annual charge, not monthly | per year | None |
| Account Research (Per hour - one-hour minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Research (Per hour - one-hour minimum) | $25.00 |
| Statement Balancing | $25Inside the U.S. middle 50% ($7 to $25 nationally) | varies | Per hour - one-hour minimum |
Oct 31, 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 Victoria Teachers Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Victoria, TX | 1 |
Largest competitors nearby
Local market: Victoria county, TX, around its headquarters.
| 13 in its local market | Deposit share |
|---|---|
| Prosperity Bank | 57.2% |
| Wells Fargo Bank, National Association | 20.7% |
| NewFirst National Bank | 5.1% |
| TrustTexas Bank, SSB | 4.6% |
| The First State Bank | 1.7% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts