Compared with Texas
13 of 28
compared fees are above the median.
9 below, 6 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
71st percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 28 compared; 9 below, 6 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for Cy-Fair 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 569 credit unions with $300M to $1B 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. | Cy-Fair Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 10% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (71st 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 $790K in Q2 2026, 8.5% above the same quarter a year earlier ($728K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
13 of 28 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.
Non-Network ATM
Monthly Maintenance
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 3.9% from Q3 2025 to Q2 2026, to $790K. Its share of revenue, 10%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$790K
Cy-Fair 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Cy-Fair Federal Credit Union · $383M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Cy-Fair Federal Credit Union(this institution) | Houston, TX | $383M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Abri Federal Credit Union | Romeoville, IL | $381M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Allegiance Federal Credit Union | Oklahoma City, OK | $372M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Arsenal Federal Credit Union | Arnold, MO | $387M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Beacon Credit Union, Incorporated | Lynchburg, VA | $392M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cascade Federal Credit Union | Kent, WA | $393M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Fort Financial Federal Credit Union | Fort Wayne, IN | $397M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fort Sill Federal Credit Union | Lawton, OK | $394M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fremont Federal Credit Union | Fremont, OH | $391M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Great Basin Federal Credit Union | Reno, NV | $373M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Great Northwest Federal Credit Union | Aberdeen, WA | $375M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ignite Federal Credit Union | Battle Creek, MI | $380M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Industrial Credit Union of Whatcom County | Bellingham, WA | $392M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Marshall Community Federal Credit Union | Marshall, MI | $372M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mutual Security Federal Credit Union | Shelton, CT | $385M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pasadena Federal Credit Union | Pasadena, CA | $375M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Premier Federal Credit Union | Des Moines, IA | $383M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Prospera Federal Credit Union | Appleton, WI | $379M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sea West Coast Guard Federal Credit Union | Oakland, CA | $378M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Signet Federal Credit Union | Paducah, KY | $398M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Jean'S Federal Credit Union | lynn, MA | $373M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Summit Federal Credit Union | Greensboro, NC | $369M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Tba Federal Credit Union | Traverse City, MI | $390M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Ten Federal Credit Union | Nashville, TN | $392M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wauna Federal Credit Union | Clatskanie, OR | $398M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| West-Aircomm Federal Credit Union | Beaver, PA | $376M | 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 · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $5.48 among 16 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
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 Cy-Fair 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 | $790K | +$56K | +7.6% |
| Q1 2026 | $734K | −$70K | −8.7% |
| Q4 2025 | $804K | +$44K | +5.8% |
| Q3 2025 | $760K | +$32K | +4.4% |
| Q2 2025 | $728K | +$19K | +2.7% |
| Q1 2025 | $709K | −$59K | −7.7% |
| Q4 2024 | $768K | −$9K | −1.2% |
| Q3 2024 | $777K | +$28K | +3.7% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Cy-Fair 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 Cy-Fair Federal Credit Union by share.
Amounts from Cy-Fair 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 hour
per month
per item
per month
per item · Per 6 Checks, Excluding New Accounts
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Money Market Below Minimum Balance Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closure (within first 6 months) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Member Fee (after 1 year) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation (1 Hour Minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research (1 hour minimum) | $25Inside the U.S. middle 50% ($7 to $25 nationally) | Not stated | None |
| Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Paper Statement Fee (If not enrolled in e-statements) | $2.50Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned Mail (incorrect address) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Privilege Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Insufficient Funds | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer from Share Savings | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| All Other ATMs (Non-CFFCU & Non-Allpoint ATMs) | $2.25Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement Card | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Rush Order | $75Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire (outgoing) | $27Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire | $4Below the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Wire (Outgoing) | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check (1 free monthly) | $5Not compared: Monthly charge, not per item | per month | None |
| Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (Excluding New Accounts) | $5Above the U.S. middle 50% ($1 to $4 nationally) | per item | Per 6 Checks, Excluding New Accounts |
| Non-Member Check Cashing Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Copies | $4Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Online Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposit Item (3rd Party Item) | $10Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
| Returned Deposit Item (Member's Own Check) | $30Above the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Services (members only) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Emergency Drill | $175Not compared: Box drilling or key fee | Not stated | None |
| Lost Key Replacement | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10x10 | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x5 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Scheduled Drill (Member No-Show) | $175Not compared: Box drilling or key fee | Not stated | None |
| Scheduled Drilling of Safe Deposit Box | $125Not compared: Box drilling or key fee | Not stated | None |
| Levies, Garnishments and Judgments | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levies, Garnishments and Judgments +plus Attorney fees | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Statement Copies | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Payment by Phone | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip-A-Pay Fee | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Oct 16, 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 Cy-Fair Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state (June 30, 2026)
Each dot is one office.
6 of 7 offices on the map.
Cities with the most offices
| Houston, TX | 4 |
| Cypress, TX | 2 |
| Prairie View, TX | 1 |
Largest competitors nearby
Local market: Harris and Fort Bend counties, TX, around its headquarters.
| 157 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 51.3% |
| Wells Fargo Bank, National Association | 11.5% |
| Bank of America, National Association | 6.5% |
| Zions Bancorporation, N.A. | 3.5% |
| PNC Bank, National Association | 2.6% |
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.