Dugood Federal Credit Union

Headquarters: Beaumont, Texas
Charter: Credit Union
Assets: $609.4M
Fed district: Dallas
Regulator: NCUA

Explore Hamilton View published fees

Compared with Texas

7 of 23

compared fees are above the median.

8 below, 8 about the same.

About the same: within 1% of the median.

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
91st percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 23 compared; 8 below, 8 about the same
See the fees
Fee schedule read Oct 29, 2026

How these figures are measured

Call-report figures are for Dugood 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.	Dugood Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 29, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Dugood 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 15% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (91st 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 $1.3M in Q2 2026, 4.1% above the same quarter a year earlier ($1.3M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 23 compared published fees sit above the Texas median; 8 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.

Fees against the market

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

Non-Network ATM
Dugood Federal Credit Union: $1
Dugood Federal Credit Union: $1
Texas median: $1.50154 publishDallas district median: $1.50173 publishU.S. median: $1.501,650 publish
Overdraft (OD)
Dugood Federal Credit Union: $30
Dugood Federal Credit Union: $30
Texas median: $30218 publishDallas district median: $30242 publishU.S. median: $302,601 publish
NSF / Returned Item
Dugood Federal Credit Union: $30
Dugood Federal Credit Union: $30
Texas median: $30251 publishDallas district median: $30277 publishU.S. median: $302,858 publish

Published schedulesBanks and credit unionsRead Oct 29, 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 fell 3.5% from Q3 2025 to Q2 2026, to $1.3M. Its share of revenue, 15%, is above the 7.9% median for credit unions with $300M to $1B in assets.

Fee income, Q2 2026

$1.3M

$1.4MQ3 2025

$1.4MQ4 2025

$1.3MQ1 2026

$1.3MQ2 2026

Against the median (TX for fees)

Share of revenue15% / 7.9%
Overdraft$30 / $30
Non‑network ATM$1 / $1.50

Dugood 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.

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.

How much of the higher share comes from how often fees are charged, rather than what they cost?
Which fees make up most of fee income, and has that mix changed?

See a free sample report

Among its peers

Dugood Federal Credit Union · $609M 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.

Credit unions only
$589M to $630M in assets
Headquartered in 16 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
Dugood Federal Credit Union(this institution)	Beaumont, TX	$609M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ascentra Federal Credit Union	Bettendorf, IA	$596M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Central Willamette Federal Credit Union	Albany, OR	$618M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
City Federal Credit Union	Dallas, TX	$630M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Co-Op Federal Credit Union	Black River Falls, WI	$627M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Diversified Members Federal Credit Union	Detroit, MI	$589M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Dupage Federal Credit Union	Naperville, IL	$600M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Educators Federal Credit Union	Waco, TX	$610M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Embers Federal Credit Union	Marquette, MI	$622M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Emblem Credit Union	Gadsden, AL	$628M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Embold Federal Credit Union	Oregon City, OR	$596M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Fairmont Federal Credit Union	Fairmont, WV	$603M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Floridacentral Federal Credit Union	Tampa, FL	$622M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
G.P.O. Federal Credit Union	New Hartford, NY	$630M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Homeland Federal Credit Union	Chillicothe, OH	$624M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
I.L.W.U. Federal Credit Union	Long Beach, CA	$608M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Insight Federal Credit Union	Winter Springs, FL	$629M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Minnco Federal Credit Union	Cambridge, MN	$605M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
National Police Federal Credit Union	Chicago, IL	$621M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Securityplus Federal Credit Union	Baltimore, MD	$597M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Siu Federal Credit Union	Carbondale, IL	$591M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Southpoint Financial Federal Credit Union	Sleepy Eye, MN	$609M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Tech Federal Credit Union	Crown Point, IN	$599M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Town & Country Federal Credit Union	South Portland, ME	$621M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Union Square Credit Union	Wichita Falls, TX	$601M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Via Credit Union	Marion, IN	$604M	Monthly maintenance not published	Out-of-network ATM not published	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.

Fee type

Peer pricing snapshot

Dugood Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 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

Dugood Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Dugood Federal Credit Uni…Peer (equal prices stack)Peer median

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.

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 Dugood 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: $1.3M
vs prior quarter: +$20K+1.5%; from Q1 2026
vs a year earlier: +$52K+4.1%; from Q2 2025
vs start of range: +$28K+2.2%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Dugood 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	$1.3M	+$20K	+1.5%
Q1 2026	$1.3M	−$55K	−4.1%
Q4 2025	$1.4M	−$13K	−0.9%
Q3 2025	$1.4M	+$100K	+7.9%
Q2 2025	$1.3M	+$61K	+5.0%
Q1 2025	$1.2M	−$86K	−6.6%
Q4 2024	$1.3M	+$1K	+0.1%
Q3 2024	$1.3M	+$49K	+3.9%

Fee-income share against its size cohort

Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Dugood Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Dugood Federal Credit Union: 15%
Percentile: 91st
25th percentile: 5.5%
Median: 7.9%
75th percentile: 11%

Dugood Federal Credit Union 15.0%Median 7.9%Middle half 5.5% to 10.8%Peers at each share

Find a peer (569)

The 15 closest to Dugood Federal Credit Union by share.

Details

Source: NCUA 5300 call report
Entity: Each credit union, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026), year to date
Measure: Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: Account 131 / (Account 115 + Account 117)

Published fee schedule

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

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Account Closure (savings or checking) within 90 days$5
Below the U.S. middle 50% ($10 to $25 nationally)
Escheat Fee (dormant account remitted to state)$5
Inside the U.S. middle 50% ($5 to $10 nationally)
Account Balancing Assistance$20
Not compared: Charged per hour; comparison unavailable
per hour
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Charged Back Debit Card Disputes$25
Inside the U.S. middle 50% ($7 to $25 nationally)
Return Statement$5
Inside the U.S. middle 50% ($5 to $7.50 nationally)

Fee	Amount	Basis	Note
Account Maintenance
Account Closure (savings or checking) within 90 days	$5Below the U.S. middle 50% ($10 to $25 nationally)	Not stated	None
Escheat Fee (dormant account remitted to state)	$5Inside the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Account Balancing Assistance	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Charged Back Debit Card Disputes	$25Inside the U.S. middle 50% ($7 to $25 nationally)	Not stated	None
Return Statement	$5Inside the U.S. middle 50% ($5 to $7.50 nationally)	Not stated	None
Overdraft & NSF
Courtesy Pay Fee Per Item	$30Inside the U.S. middle 50% ($25 to $33 nationally)	per item	None
Non-Sufficient Funds Item (NSF) - ACH/ATM/Bill Pay/Zelle Payment/ACH Origination	$30Inside the U.S. middle 50% ($25 to $32 nationally)	Not stated	None
Overdraft Transfer	$5Not compared: Daily charge, not per item	per day	None
ATM & Card
ATM withdrawal, inquiry, and transfer at out of network ATMs	$1Inside the U.S. middle 50% ($1 to $2 nationally)	Not stated	None
Debit/Credit/ATM Replacement Chip EMV Card	$10Inside the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Wire Transfers
Wire Transfer - Domestic	$20Inside the U.S. middle 50% ($20 to $25 nationally)	Not stated	None
Wire Transfer - Foreign	$45Inside the U.S. middle 50% ($40 to $50 nationally)	Not stated	None
Check Services
Cashier's/Certified Check	$4Inside the U.S. middle 50% ($3 to $6 nationally)	Not stated	None
Money Order	$2Inside the U.S. middle 50% ($2 to $3 nationally)	Not stated	None
Stop Payment (all items including Bill Payer)	$20Inside the U.S. middle 50% ($20 to $30 nationally)	Not stated	None
Temporary Checks	$5Above the U.S. middle 50% ($1 to $4 nationally)	per item	for 8
Check Cashing (free for aggregate share balances over $100)	$5Inside the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Collection Item	$10Inside the U.S. middle 50% ($10 to $26 nationally)	Not stated	None
Copy of Cashier's Check	$4Inside the U.S. middle 50% ($2 to $5 nationally)	Not stated	None
Account Services
Safe Deposit Box - 10×10	$60Inside the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box - 3×10	$30Below the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box - 3×5	$20Below the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box - 5×10	$45Inside the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box - Drilling	$150Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box - Key Replacement	$15Not compared: Box drilling or key fee	Not stated	None
Legal Fees (includes levies, writs & garnishments)	$50Inside the U.S. middle 50% ($30 to $85 nationally)	per item	None
Gift & Prepaid Cards
VISA Gift Cards	$5Above the U.S. middle 50% ($3 to $4.95 nationally)	Not stated	None
Other Fees
FedEx/UPS, etc	$30Inside the U.S. middle 50% ($20 to $40 nationally)	Not stated	None
Copy of 1099INT, 1099R, 5498	$4Inside the U.S. middle 50% ($2 to $5 nationally)	Not stated	None
Copy of Statement	$4Inside the U.S. middle 50% ($2 to $5 nationally)	Not stated	None
Loan Payment by Phone	$5Below the U.S. middle 50% ($20 to $37.50 nationally)	Not stated	None
Skip-a-Pay	$25Inside the U.S. middle 50% ($20 to $37.50 nationally)	per item	None

Showing 5 of 33 fees.

Correct a fee source

Oct 29, 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.

Branches and public record

Where Dugood Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

14 offices in 1 state (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

3 are shown at the middle of their town until the exact address is found.

Cities with the most offices

Beaumont, TX	6
Nederland, TX	2
Jasper, TX	1
Lumberton, TX	1
Mont Belvieu, TX	1
Orange, TX	1
Port Neches, TX	1
Vidor, TX	1

Largest competitors nearby

Local market: Jefferson county, TX, around its headquarters.

30 in its local market	Deposit share
Stellar Bank	41.8%
JPMorgan Chase Bank, National Association	10%
Capital One, National Association	9.7%
Wells Fargo Bank, National Association	8%
Bank of America, National Association	6.8%

Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.

Fee change alerts

Dugood Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Dugood Federal Credit Union does not publish a monthly maintenance fee in the index.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Dugood Federal Credit Union changes in our data

Dugood Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Dugood Federal Credit Union does not publish a monthly maintenance fee in the index.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Dugood Federal Credit Union changes in our data