Compared with Texas
2 of 8
compared fees are above the median.
6 below, 0 about the same.
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 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 8 compared; 6 below, 0 about the same
See the feesFee schedule read Nov 4, 2026
Call-report figures are for H E B 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. | H E B Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 4, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.1% of revenue, below the 7.2% median of 2,932 credit unions with under $300M 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 $206K in Q2 2026, about level with the same quarter a year earlier ($205K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 8 compared published fees sit above the Texas median; 6 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
Compared at $2, the middle of its prices
Monthly Maintenance
Classic Checking Account $5 · Premier Checking Account $6
Compared at $5.50, the middle of its prices
Stop Payment
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 6.8% from Q3 2025 to Q2 2026, to $206K. Its share of revenue, 6.1%, is below the 7.2% median for credit unions with under $300M in assets.
$206K
H E B 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. *Non-network ATM: Listed at $1.75 to $2.25; we compare the midpoint. Monthly maintenance: Listed at $5 to $6; we compare the midpoint.
H E B Federal Credit Union · $218M 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| H E B Federal Credit Union(this institution) | San Antonio, TX | $218M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| 1St Liberty Federal Credit Union | Great Falls, MT | $214M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Aac Federal Credit Union | Grand Rapids, MI | $212M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Acipco Federal Credit Union | Birmingham, AL | $221M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Autotruck Financial Federal Credit Union | Louisville, KY | $220M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Beacon Federal Credit Union | La Porte, TX | $215M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Canopy Federal Credit Union | Spokane, WA | $222M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Carolina Foothills Federal Credit Union | Spartanburg, SC | $224M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Chrome Federal Credit Union | Canonsburg, PA | $224M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Denver Fire Department Federal Credit Union | Denver, CO | $214M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Expedition Federal Credit Union | Mendota Heights, MN | $223M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fort Mcclellan Federal Credit Union | Anniston, AL | $224M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Harris County Federal Credit Union | Houston, TX | $223M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hometown Federal Credit Union | Kulm, ND | $223M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Members Choice Of Central Texas Federal Credit Union | Waco, TX | $213M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Okunity Federal Credit Union | Stillwater, OK | $215M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Palisades Federal Credit Union | Pearl River, NY | $212M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Parda Federal Credit Union | Auburn Hills, MI | $217M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Railway Federal Credit Union | Mandan, ND | $212M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Stark Federal Credit Union | canton, OH | $218M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texasgulf Federal Credit Union | Wharton, TX | $220M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| U S #1364 Federal Credit Union | Merrillville, IN | $222M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| U. S. Employees O. C. Federal Credit Union | Oklahoma City, OK | $213M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Consumers Federal Credit Union | Independence, MO | $217M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Urw Community Federal Credit Union | Danville, VA | $224M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Western Division Federal Credit Union | Williamsville, NY | $224M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5.50, the middle of its two prices, against a peer median of $5 among 8 publishing peers.
Its two checking prices are $5 and $6.
$5.50 is a comparison price, not a fee anyone is charged.
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
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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for H E B 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 | $206K | +$1K | +0.5% |
| Q1 2026 | $205K | −$23K | −10.1% |
| Q4 2025 | $228K | +$7K | +3.2% |
| Q3 2025 | $221K | +$16K | +7.8% |
| Q2 2025 | $205K | +$17K | +9.0% |
| Q1 2025 | $188K | −$35K | −15.7% |
| Q4 2024 | $223K | +$14K | +6.7% |
| Q3 2024 | $209K | +$19K | +10.0% |
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, H E B 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 H E B Federal Credit Union by share.
Amounts from H E B Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per quarter
per month
per item
per item
per transaction
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Classic Checking (Share Draft) Account monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Premier Checking (Share Draft) Account monthly service charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Quarterly Inactivity Fee | $10Not compared: Quarterly charge, not monthly | per quarter | None |
| Paper Periodic Statement Fee (per statement cycle) | $4Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Transfers (preauthorized from depository account or Line of Credit Account in increments of $25.00) per transfer | $4Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Balance inquiry (per inquiry) | $1.75Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM Withdrawal (per transaction at non-free H-E-B FCU ATM) | $2.25Above the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Debit Card replacement (per card) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| MasterCard Foreign Transaction fee | 1%of the transaction | Not stated | None |
| MasterCard Foreign Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Check Services | |||
| Money Orders (each) | $1.25Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Orders (each) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Other Fees | |||
| Basic Checking (Share Draft) checks – 9th and each additional check per statement cycle (each) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 4, 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 H E B Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| San Antonio, TX | 1 |
Largest competitors nearby
Local market: Bexar county, TX, around its headquarters.
| 65 in its local market | Deposit share |
|---|---|
| USAA Federal Savings Bank | 56% |
| Citibank, National Association | 18.9% |
| Bank of America, National Association | 3% |
| JPMorgan Chase Bank, National Association | 2.4% |
| Wells Fargo Bank, National Association | 2.1% |
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.