Compared with Texas
12 of 25
compared fees are above the median.
9 below, 4 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
83rd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 25 compared; 9 below, 4 about the same
See the feesFee schedule read Oct 25, 2026
Call-report figures are for 4U 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. | 4U Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 25, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 14% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (83rd 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 $278K in Q2 2026, 1.1% above the same quarter a year earlier ($275K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
12 of 25 compared published fees sit above the Texas median; 9 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.
Monthly Maintenance
Enhanced Checking $8 · Fresh Start Checking $10
Compared at $10, the middle of its prices
Overdraft (OD)
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 5.8% from Q3 2025 to Q2 2026, to $278K. Its share of revenue, 14%, is above the 7.2% median for credit unions with under $300M in assets.
$278K
4U 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. *Monthly maintenance: Listed at $8 to $10; we compare the midpoint.
4U Federal Credit Union · $156M in assets
Credit unions in the Dallas Fed district
Credit unions headquartered in the same Fed district, for comparing published prices.
Showing the 50 closest in assets of 225 peers; medians use all 225.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| 4U Federal Credit Union(this institution) | Gainesville, TX | $156M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Access Community Federal Credit Union | Amarillo, TX | $211M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Allied Federal Credit Union | Arlington, TX | $138M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Artesia Federal Credit Union | Artesia, NM | $173M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Baycel Federal Credit Union | Bay City, TX | $92M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Beacon Federal Credit Union | La Porte, TX | $215M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bp Federal Credit Union | Houston, TX | $124M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cal-Com Federal Credit Union | Port Lavaca, TX | $226M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Centex Citizens Federal Credit Union | Mexia, TX | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chemcel Federal Credit Union | Bishop, TX | $184M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chocolate Bayou Community Federal Credit Union | Alvin, TX | $158M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens Federal Credit Union | Big Spring, TX | $202M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| City Federal Credit Union | Amarillo, TX | $84M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coastal Community Federal Credit Union | Galveston, TX | $93M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Communities Of Abilene Federal Credit Union | Abilene, TX | $161M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Community Service Federal Credit Union | Huntsville, TX | $164M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Concho Educators Federal Credit Union | San Angelo, TX | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Domino Federal Credit Union | Texarkana, TX | $87M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Eastex Federal Credit Union | Evadale, TX | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Estacado Federal Credit Union | Hobbs, NM | $120M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Central Federal Credit Union | Waco, TX | $192M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| First Watch Federal Credit Union | Abilene, TX | $105M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Government Employees Federal Credit Union | Austin, TX | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| H E B Federal Credit Union | San Antonio, TX | $218M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Harris County Federal Credit Union | Houston, TX | $223M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Heritage USA Federal Credit Union | Midland, TX | $99M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kerr County Federal Credit Union | Kerrville, TX | $156M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Lone Star Federal Credit Union | Dallas, TX | $188M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Members Choice Of Central Texas Federal Credit Union | Waco, TX | $213M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 |
| Mtcu Federal Credit Union | Midland, TX | $137M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| One Source Federal Credit Union | El Paso, TX | $124M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Postel Family Federal Credit Union | Wichita Falls, TX | $85M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Prestige Community Federal Credit Union | Dallas, TX | $119M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Priority Trust Federal Credit Union | Houston, TX | $191M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rio Grande Valley Credit Union | Harlingen, TX | $180M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rockdale Federal Credit Union | Rockdale, TX | $108M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southland Federal Credit Union | Lufkin, TX | $89M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southwest 66 Federal Credit Union | Odessa, TX | $112M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southwest Research Center Federal Credit Union | San Antonio, TX | $88M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Tarrant County'S Credit Union | Fort Worth, TX | $124M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Telco Plus Federal Credit Union | Longview, TX | $124M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Texas Bridge Federal Credit Union | Corpus Christi, TX | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Dps Federal Credit Union | Austin, TX | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Texas Health Federal Credit Union | Austin, TX | $134M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Texasgulf Federal Credit Union | Wharton, TX | $220M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| U. S. Employees Federal Credit Union | Tomball, TX | $86M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| United Community Federal Credit Union | Houston, TX | $128M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Valley Federal Credit Union | Brownsville, TX | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wellspring Federal Credit Union | Bridge City, TX | $92M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Wichita Falls Teachers Federal Credit Union | Wichita Falls, TX | $116M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
225 peers selected · 113 publish this fee(monthly maintenance)
112 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $10, the middle of its five prices, against a peer median of $6 among 113 publishing peers.
Its five checking prices are $8, $8, $10, $10 and $10.
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 1, 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 1, 2026. Total assets from FDIC and NCUA records.
Call reports for 4U 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 | $278K | −$6K | −2.1% |
| Q1 2026 | $284K | −$8K | −2.7% |
| Q4 2025 | $292K | −$3K | −1.0% |
| Q3 2025 | $295K | +$20K | +7.3% |
| Q2 2025 | $275K | +$11K | +4.2% |
| Q1 2025 | $264K | −$13K | −4.7% |
| Q4 2024 | $277K | +$6K | +2.2% |
| Q3 2024 | $271K | +$8K | +3.0% |
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, 4U 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 4U Federal Credit Union by share.
Amounts from 4U 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 hour · Account Reconciliation | $25.00 | per hour
per statement · Paper Statement Fee | $5.00 | per statement cycle (for memberships opened after 03/01/2018)
per month
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge (Enhanced Checking) (audience not stated, treated as personal) | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service Charge - Bonus Checking | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service Charge - Fresh Start Checking | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service Charge - Regular Checking | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closure | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive (Dormant) Account | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation | $25.00 | per hour |
| Paper Statement Fee | $5Not compared: Charged per statement; comparison unavailable | per statement | Paper Statement Fee | $5.00 | per statement cycle (for memberships opened after 03/01/2018) |
| Returned Mail / Bad Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| ACH Overdraft | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Courtesy Pay | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Debit Card Overdraft | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft-Transfer Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Foreign ATM | No chargeBelow the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM/Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Emergency card replacement fee | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush fee | $20Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Foreign transaction fee | 1%of the transaction | Not stated | None |
| Foreign transaction fee (multiple currency) (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer - Outgoing (domestic) | $15Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer - Outgoing (international) | $30Below the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier's Check | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Cashier's Check | No chargeBelow the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Teller Check | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Check Fee | $0.10Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Member Check Cashing | 1%($7 minimum) | Not stated | None |
| Collection Item | $12Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Inactive Bill Pay | $4.95Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposit Item | $30Above the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Drilling of Boxes | $175Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 X 10 (audience not stated, treated as personal) | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 X 10 (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 X 5 (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 X 10 (audience not stated, treated as personal) | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Levy | $25Below the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Lending Fees | |||
| Late payment fee | $30Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card - MasterCard | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Document copy fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement copy fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Skip-a-Pay | $50Above the U.S. middle 50% ($20 to $37.50 nationally) | per item | 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 25, 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 4U Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Collinsville, TX | 1 |
| Gainesville, TX | 1 |
| Lake Kiowa, TX | 1 |
| Sherman, TX | 1 |
| Whitesboro, TX | 1 |
Largest competitors nearby
Local market: Cooke county, TX, around its headquarters.
| 6 in its local market | Deposit share |
|---|---|
| First State Bank | 65.9% |
| Muenster State Bank | 12.8% |
| Prosperity Bank | 10.1% |
| First United Bank and Trust Company | 6.7% |
| Simmons Bank | 4% |
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.