Compared with Texas
11 of 22
compared fees are above the median.
6 below, 5 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
89th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 22 compared; 6 below, 5 about the same
See the feesFee schedule read Oct 19, 2026
Call-report figures are for Common Cents 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. | Common Cents Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 19, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 16% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (89th 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 $140K in Q2 2026, about level with the same quarter a year earlier ($140K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
11 of 22 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.
Monthly Maintenance
Common Checking
Overdraft (OD)
Compared at $30, its standard fee, the highest of its prices
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 6.7% from Q3 2025 to Q2 2026, to $140K. Its share of revenue, 16%, is above the 7.2% median for credit unions with under $300M in assets.
$140K
Common Cents 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. *Overdraft: Listed at $28 to $30; we compare the highest. Non-network ATM: Listed at $1 to $3; we compare the midpoint.
Common Cents Federal Credit Union · $34M in assets
Banks and credit unions in the Beaumont-Port Arthur, TX metro
Banks and credit unions with branches in the Beaumont-Port Arthur, TX metro: the local competitors for deposits and customers. They range from $20M to $4.1T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Common Cents Federal Credit Union(this institution) | Beaumont, TX | $34M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank of America, National Association | Charlotte, NC | $2.7T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Capital One, National Association | McLean, VA | $662.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chevron Federal Credit Union | Concord, CA | $5.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dugood Federal Credit Union | Beaumont, TX | $609M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Eastex Federal Credit Union | Evadale, TX | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Education First Federal Credit Union | Beaumont, TX | $583M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Financial Bank | Abilene, TX | $15.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fivepoint Federal Credit Union | Nederland, TX | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gulf Federal Credit Union | Groves, TX | $349M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hancock Whitney Bank | Gulfport, MS | $36.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| JPMorgan Chase Bank, National Association | Columbus, OH | $4.1T | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| PNC Bank, National Association | Wilmington, DE | $609.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Port Arthur Community Federal Credit Union | Port Arthur, TX | $20M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Port Arthur Teachers Federal Credit Union | Port Arthur, TX | $38M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Prosperity Bank | El Campo, TX | $43.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rave Financial Federal Credit Union | Beaumont, TX | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sabine Federal Credit Union | Orange, TX | $235M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Synergy Federal Credit Union | San Antonio, TX | $334M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas First Bank | Texas City, TX | $2.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The First Security Bank | Beaver, OK | $335M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wells Fargo Bank, National Association | Sioux Falls, SD | $1.9T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wellspring Federal Credit Union | Bridge City, TX | $92M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Woodforest National Bank | The Woodlands, TX | $9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
23 peers selected · 11 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $4, against a peer median of $10 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 Nov 2, 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.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Common Cents 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 | $140K | +$14K | +11.1% |
| Q1 2026 | $126K | −$26K | −17.1% |
| Q4 2025 | $152K | +$2K | +1.3% |
| Q3 2025 | $150K | +$10K | +7.1% |
| Q2 2025 | $140K | −$12K | −7.9% |
| Q1 2025 | $152K | −$10K | −6.2% |
| Q4 2024 | $162K | $0 | 0.0% |
| Q3 2024 | $162K | +$5K | +3.2% |
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, Common Cents 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 Common Cents Federal Credit Union by share.
Amounts from Common Cents Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per year
per hour
per hour
per item
per item
per item
per year
per item
per item
per page
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Common Checking Monthly service fee | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closure Fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Account (no activity for a 12-month period) | $25Not compared: Annual charge, not monthly | per year | None |
| Account Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address- Returned Mail | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Courtesy Pay overdraft fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Courtesy Pay Fee | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Return Item Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Inquiry | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Withdrawal (out of network) | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement | $20Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wires: Domestic- Outgoing Wire | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wires: Domestic- Incoming Wire | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment – ALL forms of payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Credit Union Counter Check | $3Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing (for accounts with less than $100.00, and no other CU services) | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Cashing Fee From a members Account | $1.50Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Share Draft Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Cash Advance | No chargeBelow the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Cash Advance Fee | $6Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Account Services | |||
| Notary for Non-Members | $10Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Services (for members only) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box (annual fees): 3” x 10’ box | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 10” x 10” | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5” x 10” | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box- Lost Key | $100Not compared: Box drilling or key fee | per item | None |
| Legal Items (Levy, Writs and 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 | |||
| Fax Services | $3Not compared: Charged per page; comparison unavailable | per page | None |
| Tax Information (Copy of 1099’s/1098’s) | $5Inside 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 Fee | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Oct 19, 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 Common Cents Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Beaumont, TX | 2 |
| Winnie, 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
We check once a day and send one email covering every change.