Compared with Texas
4 of 13
compared fees are above the median.
7 below, 2 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 13 compared; 7 below, 2 about the same
See the feesFee schedule read Oct 20, 2026
Call-report figures are for Southland 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. | Southland Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 20, 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 $146K in Q2 2026, 6.6% above the same quarter a year earlier ($137K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 13 compared published fees sit above the Texas median; 7 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
NSF / Returned Item
Wire Transfer (Domestic Out)
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 1.4% from Q3 2025 to Q2 2026, to $146K. Its share of revenue, 10%, is above the 7.2% median for credit unions with under $300M in assets.
$146K
Southland 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.
Southland Federal Credit Union · $89M 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 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Southland Federal Credit Union(this institution) | Lufkin, TX | $89M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Americo Federal Credit Union | Erie, PA | $90M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| County Schools Federal Credit Union | Ventura, CA | $91M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dc Federal Credit Union | Washington, DC | $89M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Evansville Federal Credit Union | Evansville, IN | $90M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Firefighters Federal Credit Union | Indianapolis, IN | $88M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Education Federal Credit Union | Cheyenne, WY | $87M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Front Royal Federal Credit Union | Front Royal, VA | $87M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Goetz Federal Credit Union | St Joseph, MO | $90M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Jefferson Credit Union | Hoover, AL | $91M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lampco Federal Credit Union | Anderson, IN | $90M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Marshfield Medical Center Federal Credit Union | Marshfield, WI | $91M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Multi-States Federal Credit Union | Springfield, MO | $91M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| My Pensacola Federal Credit Union | Pensacola, FL | $89M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| New South Credit Union | Knoxville, TN | $90M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Radius Federal Credit Union | Kenmore, NY | $87M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ravalli County Federal Credit Union | Hamilton, MT | $89M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Riverbank Federal Credit Union | Windsor Locks, CT | $87M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Smw Financial Federal Credit Union | Lino Lakes, MN | $87M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Snocope Federal Credit Union | Everett, WA | $89M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southwest Research Center Federal Credit Union | San Antonio, TX | $88M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| St. Thomas Federal Credit Union | Charlotte Amalie, VI | $90M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| T M H Federal Credit Union | Tallahassee, FL | $87M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Taylor Federal Credit Union | Medford, WI | $89M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| The Credit Union For All | Bloomington, IL | $90M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wexford Community Federal Credit Union | Cadillac, MI | $89M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(out-of-network atm)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $1, against a peer median of $1 among 15 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.
Out-of-network ATM fee in dollars, one mark per institution
Against this institution's out-of-network atm 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 Southland 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 | $146K | −$1K | −0.7% |
| Q1 2026 | $147K | −$4K | −2.6% |
| Q4 2025 | $151K | +$3K | +2.0% |
| Q3 2025 | $148K | +$11K | +8.0% |
| Q2 2025 | $137K | −$5K | −3.5% |
| Q1 2025 | $142K | −$18K | −11.3% |
| Q4 2024 | $160K | +$2K | +1.3% |
| Q3 2024 | $158K | +$18K | +12.9% |
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, Southland 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 Southland Federal Credit Union by share.
Amounts from Southland Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per day
per item
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closed Account Fee (when member closes account within 90 days of opening) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactivity Fee (per month, after 12 months of inactivity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Record Reconciliation or Research (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Mail | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Insufficient Funds (NSF) - (per item, Check and/or ATM / Debit Card) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Debit Card (not used at a SFCU ATM or CO-OP Branded ATM) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Outgoing Wires | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Transfers | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| International Outgoing Wires | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Teller Checks (fee is charged if member request more than one per day) | $2Not compared: Daily charge, not per item | per day | None |
| Money Orders (per money order, up to $1,000) | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Fee | $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) | Not stated | None |
| Copy of Check (per item) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Other Fees | |||
| Copy of Statements (per page) | $2Not compared: Charged per page; comparison unavailable | per page | None |
Oct 20, 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 Southland Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Crockett, TX | 1 |
| Lufkin, TX | 1 |
Largest competitors nearby
Local market: Angelina county, TX, around its headquarters.
| 15 in its local market | Deposit share |
|---|---|
| UBank | 29.7% |
| Southside Bank | 23.5% |
| Commercial Bank of Texas, National Association | 17.3% |
| The Huntington National Bank | 7.3% |
| Regions Bank | 6.6% |
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.