Compared with Texas
6 of 25
compared fees are above the median.
13 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
42nd percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 25 compared; 13 below, 6 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for Houston 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. | Houston Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.2% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (42nd 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 $839K in Q2 2026, 30% below the same quarter a year earlier ($1.2M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 25 compared published fees sit above the Texas median; 13 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
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 29% from Q3 2025 to Q2 2026, to $839K. Its share of revenue, 7.2%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$839K
Houston 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.
Houston Federal Credit Union · $952M 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 |
|---|---|---|---|---|---|---|---|
| Houston Federal Credit Union(this institution) | Sugar Land, TX | $952M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Abnb Federal Credit Union | Chesapeake, VA | $914M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alpena-Alcona Area Federal Credit Union | Alpena, MI | $976M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Altaone Federal Credit Union | Ridgecrest, CA | $967M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Belco Community Credit Union | Harrisburg, PA | $974M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Campus Federal Credit Union | Baton Rouge, LA | $936M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Certified Federal Credit Union | El Monte, CA | $925M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community Choice Federal Credit Union | Johnston, IA | $923M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Community First Federal Credit Union | Santa Rosa, CA | $921M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Resource Federal Credit Union | Baytown, TX | $930M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Del-One Federal Credit Union | Dover, DE | $983M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Enrichment Federal Credit Union | Oak Ridge, TN | $984M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fortera Federal Credit Union | Clarksville, TN | $947M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gather Federal Credit Union | Lihue, HI | $934M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Granite Federal Credit Union | Salt Lake City, UT | $918M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greenwood Federal Credit Union | Warwick, RI | $957M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Hoosier Hills Federal Credit Union | Bedford, IN | $938M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Matanuska Valley Federal Credit Union | Palmer, AK | $977M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Numark Federal Credit Union | Joliet, IL | $932M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nutmeg State Financial Federal Credit Union | Rocky Hill, CT | $916M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oklahoma'S Federal Credit Union | Oklahoma City, OK | $954M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Qualstar Federal Credit Union | Bothell, WA | $939M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tlc Community Federal Credit Union | Adrian, MI | $950M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| True Community Federal Credit Union | Jackson, MI | $955M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| University Of Hawaii Federal Credit Union | Honolulu, HI | $976M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Westreet Federal Credit Union | Tulsa, OK | $967M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 11 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 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Houston Federal Credit Union does not publish a monthly maintenance 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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Houston 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 | $839K | −$610K | −42.1% |
| Q1 2026 | $1.4M | +$284K | +24.4% |
| Q4 2025 | $1.2M | −$13K | −1.1% |
| Q3 2025 | $1.2M | −$18K | −1.5% |
| Q2 2025 | $1.2M | −$46K | −3.7% |
| Q1 2025 | $1.2M | +$55K | +4.6% |
| Q4 2024 | $1.2M | +$315K | +36.1% |
| Q3 2024 | $872K | +$61K | +7.5% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Houston 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 Houston Federal Credit Union by share.
Amounts from Houston Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive Account (per month) | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Balancing Assistance | $25Inside the U.S. middle 50% ($7 to $25 nationally) | Not stated | None |
| Account Balancing Assistance (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $25Inside the U.S. middle 50% ($7 to $25 nationally) | Not stated | None |
| Account Research (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Nov 3, 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 Houston Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
12 offices in 2 states (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Houston, TX | 6 |
| Greenville, SC | 2 |
| Sugar Land, TX | 2 |
| Missouri City, TX | 1 |
| Rosenberg, TX | 1 |
Largest competitors nearby
Local market: Fort Bend county, TX, around its headquarters.
| 104 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 23.4% |
| Wells Fargo Bank, National Association | 15.6% |
| Bank of America, National Association | 10.5% |
| Zions Bancorporation, N.A. | 6.9% |
| Prosperity Bank | 5.4% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts