Compared with Texas
1 of 4
compared fees are above the median.
3 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
56th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 4 compared; 3 below, 0 about the same
See the feesFee schedule read Nov 4, 2026
Call-report figures are for Mclennan County 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 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. | Mclennan County Employees 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
Fee income was 8.0% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (56th 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 $18K in Q2 2026, about level with the same quarter a year earlier ($18K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
1 of 4 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.
NSF / Returned Item
Stop Payment
OD Protection Transfer
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 18% from Q3 2025 to Q2 2026, to $18K. Its share of revenue, 8.0%, is above the 7.2% median for credit unions with under $300M in assets.
$18K
Mclennan County 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.
Mclennan County Employees Federal Credit Union · $22M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Mclennan County Employees Federal Credit Union(this institution) | Waco, TX | $22M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Acadian Federal Credit Union | Lafayette, LA | $21M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Chelsea Employees Federal Credit Union | Chelsea, MA | $21M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Coopers Cave Federal Credit Union | Glens Falls, NY | $22M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| East Alabama Community Federal Credit Union | Opelika, AL | $21M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Electrical Workers Local 58 Federal Credit Union | Detroit, MI | $21M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Encentus Federal Credit Union | Tulsa, OK | $21M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Essex County Teachers Federal Credit Union | Bloomfield, NJ | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fayette County School Employees Federal Credit Union | Uniontown, PA | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kone Employees Federal Credit Union | Moline, IL | $21M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Le Roy Federal Credit Union | Le Roy, NY | $21M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Maine Solutions Federal Credit Union | South Portland, ME | $21M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 |
| Metro North Federal Credit Union | Jacksonville, FL | $22M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Niagara-Wheatfield Federal Credit Union | Sanborn, NY | $21M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Northside Federal Credit Union | Atlanta, GA | $21M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Novo Federal Credit Union | Norco, CA | $21M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Railway Employees Federal Credit Union | Muscle Shoals, AL | $21M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Richmond Virginia Fire Police Credi Federal Credit Union | Richmond, VA | $21M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Special Metals Federal Credit Union | New Hartford, NY | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| St. Vincent'S Medical Center Federal Credit Union | Bridgeport, CT | $21M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Steel Valley Federal Credit Union | Cleveland, OH | $22M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tandem Federal Credit Union | Warren, MI | $22M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Churches Federal Credit Union | Taylor, MI | $22M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Warren Municipal Federal Credit Union | Warren, MI | $22M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wheat State Federal Credit Union | Wichita, KS | $22M | 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 · 13 publish this fee(out-of-network atm)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1.50 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 Oct 30, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Mclennan County 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 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Mclennan County 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 | $18K | −$3K | −14.3% |
| Q1 2026 | $21K | +$1K | +5.0% |
| Q4 2025 | $20K | −$2K | −9.1% |
| Q3 2025 | $22K | +$4K | +22.2% |
| Q2 2025 | $18K | $0 | 0.0% |
| Q1 2025 | $18K | −$1K | −5.3% |
| Q4 2024 | $19K | +$1K | +5.6% |
| Q3 2024 | $18K | −$1K | −5.3% |
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, Mclennan County 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 Mclennan County Employees Federal Credit Union by share.
Amounts from Mclennan County Employees Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Reconcilement Fee Per Hour | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research Fee Per Hour | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| NSF Check Fee | $15Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Pre-Authorized Overdraft Transfer From Shares | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per transaction | None |
Check Services | |||
| Stop Payment Fee | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Copy of Check | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
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.
Where Mclennan County Employees Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| China Spring, TX | 1 |
| Waco, TX | 1 |
Largest competitors nearby
Local market: McLennan county, TX, around its headquarters.
| 32 in its local market | Deposit share |
|---|---|
| First National Bank of Central Texas | 15.5% |
| The First National Bank of McGregor | 11.4% |
| Alliance Bank Central Texas | 9% |
| Central National Bank | 8.9% |
| Extraco Banks, National Association | 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.