Cy-Fair Federal Credit Union

Headquarters: Houston, Texas
Charter: Credit Union
Assets: $383.5M
Fed district: Dallas
Regulator: NCUA

27 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 16, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 16, 2026

How these figures are measured

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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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

Details

Source: NCUA 5300 call report
Entity: Cy-Fair Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Cy-Fair Federal Credit Union: $10
Cy-Fair Federal Credit Union: $10
U.S. median: no median
Overdraft (OD)
Cy-Fair Federal Credit Union: $30
Cy-Fair Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Cy-Fair Federal Credit Union: $30
Cy-Fair Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 16, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income rose 3.9% from Q3 2025 to Q2 2026, to $790K.

Fee income, Q2 2026

$790K

$760KQ3 2025

$804KQ4 2025

$734KQ1 2026

$790KQ2 2026

Against the median

Cy-Fair Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

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.

Credit unions only
$369M to $398M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $4.52 (82%) above the median of similar-sized credit unions.

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

Cy-Fair Federal Credit Un…Peer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Cy-Fair Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $790K
vs prior quarter: +$56K+7.6%; from Q1 2026
vs a year earlier: +$62K+8.5%; from Q2 2025
vs start of range: +$13K+1.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Cy-Fair Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

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%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Cy-Fair Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Service Fee$10
per month
Money Market Below Minimum Balance Fee$10
per month
Account Closure (within first 6 months)$5
Dormant Member Fee (after 1 year)$10
per month
Account Reconciliation (1 Hour Minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research (1 hour minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$3
per month
Paper Statement Fee (If not enrolled in e-statements)$2.50
Returned Mail (incorrect address)$5

Overdraft & NSF

Overdraft Fee$30
per item
Overdraft Privilege Fee$30
Insufficient Funds$30
Overdraft Transfer from Share Savings$3

ATM & Card

All Other ATMs (Non-CFFCU & Non-Allpoint ATMs)$2.25
Replacement Card$7.50
Debit Card Rush Order$75

Wire Transfers

Domestic Wire (outgoing)$27
Incoming Wire$4
International Wire (Outgoing)$40

Check Services

Cashier's Check (1 free monthly)$5
Not compared: Monthly charge, not per item
per month
Stop Payment Fee$30
Temporary Checks (Excluding New Accounts)$5
per item · Per 6 Checks, Excluding New Accounts
Non-Member Check Cashing Fee$10
Check Copies$4

Digital & Electronic

Online Bill PayNo charge

Cash & Deposit

Returned Deposit Item (3rd Party Item)$10
Returned Deposit Item (Member's Own Check)$30

Account Services

Notary Services (members only)No charge
Emergency Drill$175
Not compared: Box drilling or key fee
Lost Key Replacement$20
Not compared: Box drilling or key fee
Safe Deposit Box 10x10$100
per year
Safe Deposit Box 3x10$40
per year
Safe Deposit Box 3x5$25
per year
Safe Deposit Box 5x10$60
per year
Safe Deposit Box 5x5$30
per year
Scheduled Drill (Member No-Show)$175
Not compared: Box drilling or key fee
Scheduled Drilling of Safe Deposit Box$125
Not compared: Box drilling or key fee
Levies, Garnishments and Judgments$25
Levies, Garnishments and Judgments +plus Attorney fees$50
Verification of Deposit$10

Other Fees

Statement Copies$5
Loan Payment by Phone$10
Skip-A-Pay Fee$25
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	$10	per month	None
Money Market Below Minimum Balance Fee	$10	per month	None
Account Closure (within first 6 months)	$5	Not stated	None
Dormant Member Fee (after 1 year)	$10	per month	None
Account Reconciliation (1 Hour Minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research (1 hour minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$3	per month	None
Paper Statement Fee (If not enrolled in e-statements)	$2.50	Not stated	None
Returned Mail (incorrect address)	$5	Not stated	None
Overdraft & NSF
Overdraft Fee	$30	per item	None
Overdraft Privilege Fee	$30	Not stated	None
Insufficient Funds	$30	Not stated	None
Overdraft Transfer from Share Savings	$3	Not stated	None
ATM & Card
All Other ATMs (Non-CFFCU & Non-Allpoint ATMs)	$2.25	Not stated	None
Replacement Card	$7.50	Not stated	None
Debit Card Rush Order	$75	Not stated	None
Wire Transfers
Domestic Wire (outgoing)	$27	Not stated	None
Incoming Wire	$4	Not stated	None
International Wire (Outgoing)	$40	Not stated	None
Check Services
Cashier's Check (1 free monthly)	$5Not compared: Monthly charge, not per item	per month	None
Stop Payment Fee	$30	Not stated	None
Temporary Checks (Excluding New Accounts)	$5	per item	Per 6 Checks, Excluding New Accounts
Non-Member Check Cashing Fee	$10	Not stated	None
Check Copies	$4	Not stated	None
Digital & Electronic
Online Bill Pay	No charge	Not stated	None
Cash & Deposit
Returned Deposit Item (3rd Party Item)	$10	Not stated	None
Returned Deposit Item (Member's Own Check)	$30	Not stated	None
Account Services
Notary Services (members only)	No charge	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	$100	per year	None
Safe Deposit Box 3x10	$40	per year	None
Safe Deposit Box 3x5	$25	per year	None
Safe Deposit Box 5x10	$60	per year	None
Safe Deposit Box 5x5	$30	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	$25	Not stated	None
Levies, Garnishments and Judgments +plus Attorney fees	$50	Not stated	None
Verification of Deposit	$10	Not stated	None
Other Fees
Statement Copies	$5	Not stated	None
Loan Payment by Phone	$10	Not stated	None
Skip-A-Pay Fee	$25	per item	None

Correct a fee source

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.

Fee change alerts

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