Compared with Texas
4 of 10
compared fees are above the median.
0 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
69th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 10 compared; 0 below, 6 about the same
See the feesFee schedule read Oct 13, 2026
Call-report figures are for Chocolate Bayou Community 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. | Chocolate Bayou Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 13, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 10% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (69th 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 $201K in Q2 2026, 34% below the same quarter a year earlier ($306K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 10 compared published fees sit above the Texas median; 0 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
Compared at $30, the middle of its prices
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 37% from Q3 2025 to Q2 2026, to $201K. Its share of revenue, 10%, is above the 7.2% median for credit unions with under $300M in assets.
$201K
Chocolate Bayou Community 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.
Chocolate Bayou Community Federal Credit Union · $158M 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Chocolate Bayou Community Federal Credit Union(this institution) | Alvin, TX | $158M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 4U Federal Credit Union | Gainesville, TX | $156M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Affinity Federal Credit Union | Des Moines, IA | $154M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Arapahoe Federal Credit Union | Littleton, CO | $154M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Arc Federal Credit Union | Altoona, PA | $154M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Best Financial Federal Credit Union | Muskegon, MI | $154M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bfg Federal Credit Union | Akron, OH | $160M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | 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 |
| First Choice Federal Credit Union | West Palm Beach, FL | $161M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Family Federal Credit Union | Henryetta, OK | $154M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Green Country Federal Credit Union | Sand Springs, OK | $155M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Harbor Pointe Federal Credit Union | Duluth, MN | $158M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hartford Federal Credit Union | Hartford, CT | $160M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hello Federal Credit Union | Panama City, FL | $160M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 |
| Kings Federal Credit Union | Hanford, CA | $162M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Minnesota Power Employees Federal Credit Union | Duluth, MN | $162M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Natco Federal Credit Union | Richmond, IN | $154M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Nova Ua Federal Credit Union | Clifton, NJ | $156M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Power Federal Credit Union | Pueblo, CO | $156M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Priority One Credit Union | Sunrise, FL | $162M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Shoreline Federal Credit Union | Two Rivers, WI | $160M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| South Bay Federal Credit Union | Redondo Beach, CA | $161M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Trailhead Federal Credit Union | Portland, OR | $156M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ukrainian National Federal Credit Union | New York, NY | $155M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Wayne-Westland Federal Credit Union | Westland, MI | $161M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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
Chocolate Bayou Community 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 Chocolate Bayou Community 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 | $201K | −$67K | −25.0% |
| Q1 2026 | $268K | −$46K | −14.6% |
| Q4 2025 | $314K | −$5K | −1.6% |
| Q3 2025 | $319K | +$13K | +4.2% |
| Q2 2025 | $306K | +$7K | +2.3% |
| Q1 2025 | $299K | −$18K | −5.7% |
| Q4 2024 | $317K | +$13K | +4.3% |
| Q3 2024 | $304K | +$12K | +4.1% |
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, Chocolate Bayou Community 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 Chocolate Bayou Community Federal Credit Union by share.
Amounts from Chocolate Bayou Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per transaction
per document
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Mailed Statements | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Bill Pay Return Check | $45Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Non-Sufficient Funds | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Return Check | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Use of Foreign ATM | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
Wire Transfers | |||
| WIRE TRANSFERS: Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| WIRE TRANSFERS: International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| STOP PAYMENTS: Personal Check | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Copies (in excess of two per month) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Coin Machine Usage | 7% | Not stated | None |
Account Services | |||
| Notary | $6Not compared: Charged per document; comparison unavailable | per document | None |
| Jumbo Safe Deposit Box (10”W x 10”H) | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Large Safe Deposit Box (10”W x 5”H) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Medium Safe Deposit Box (10”W x 3”H) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Small Safe Deposit Box (5”W x 3”H) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Executions/Levies | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Oct 13, 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 Chocolate Bayou Community Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state (June 30, 2026)
Each dot is one office.
3 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Alvin, TX | 2 |
| Manvel, TX | 1 |
| Pearland, TX | 1 |
Largest competitors nearby
Local market: Brazoria county, TX, around its headquarters.
| 30 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 20% |
| JPMorgan Chase Bank, National Association | 14.7% |
| Bank of America, National Association | 8.2% |
| First State Bank | 6.4% |
| Texas Gulf Bank, National Association | 5.2% |
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.