Compared with Oklahoma
3 of 17
compared fees are above the median.
11 below, 3 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
99th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Oklahoma median
of 17 compared; 11 below, 3 about the same
See the feesFee schedule read Oct 17, 2026
Call-report figures are for Encentus 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 Oklahoma median | Published fees above the Oklahoma median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Encentus Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 27% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (99th 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 $103K in Q2 2026, 5.1% above the same quarter a year earlier ($98K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 17 compared published fees sit above the Oklahoma median; 11 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 Oklahoma medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $5, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Compared at $29.75, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Oklahoma, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 1.9% from Q3 2025 to Q2 2026, to $103K. Its share of revenue, 27%, is above the 7.2% median for credit unions with under $300M in assets.
$103K
Encentus 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. *Monthly maintenance: Listed at $3 to $5; we compare the midpoint.
Encentus Federal Credit Union · $21M in assets
Banks and credit unions in the Tulsa, OK metro
Banks and credit unions with branches in the Tulsa, OK metro: the local competitors for deposits and customers. They range from $24M 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 |
|---|---|---|---|---|---|---|---|
| Encentus Federal Credit Union(this institution) | Tulsa, OK | $21M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1st Bank in Hominy | Hominy, OK | $45M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| American Heritage Bank | Sapulpa, OK | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Arvest Bank | Fayetteville, AR | $28.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| AVB Bank | Broken Arrow, OK | $612M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| BancFirst | Oklahoma City, OK | $12.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Bank 7 | Oklahoma City, OK | $1.9B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Bank of Commerce | Chelsea, OK | $203M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Blue Sky Bank | Pawhuska, OK | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| BMO Bank National Association | Chicago, IL | $255B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| BOKF, National Association | Tulsa, OK | $53B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Busey Bank | Champaign, IL | $18.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Commerce Bank | Kansas City, MO | $35B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Community Bank | Bristow, OK | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Employees Federal Credit Union | Tulsa, OK | $47M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Equity Bank | Andover, KS | $7.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fidelity Bank, National Association | Wichita, KS | $3.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fire Fighters Federal Credit Union | Tulsa, OK | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | 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 |
| First Fidelity Bank | Oklahoma City, OK | $3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First United Bank and Trust Company | Durant, OK | $16.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| FNB Coweta | Coweta, OK | $128M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fraternal Order Of Police Federal Credit Union | Tulsa, OK | $57M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gateway First Bank | Jenks, OK | $2.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Great Southern Bank | Reeds Spring, MO | $5.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | 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 |
| International Bank of Commerce | Oklahoma City, OK | $1.6B | 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 |
| Lifetime Federal Credit Union | Richardson, TX | $55M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| MidFirst Bank | Oklahoma City, OK | $42.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ok Members First Federal Credit Union | Tulsa, OK | $24M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Oklahoma Capital Bank | Tulsa, OK | $196M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Oklahoma Central Federal Credit Union | Tulsa, OK | $760M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Oklahoma'S Federal Credit Union | Oklahoma City, OK | $954M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | 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 |
| RCB Bank | Claremore, OK | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Red Crown Federal Credit Union | Tulsa, OK | $257M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Regent Bank | Tulsa, OK | $2.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Saint Francis Employees Federal Credit Union | Tulsa, OK | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Simmons Bank | Pine Bluff, AR | $24.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| SpiritBank | Tulsa, OK | $913M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Bank, National Association | McAlester, OK | $488M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Central Trust Bank | Jefferson City, MO | $20.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| The First National Bank and Trust Company of Broken Arrow | Broken Arrow, OK | $269M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Tinker Federal Credit Union | Oklahoma City, OK | $6.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Triad Bank, National Association | Tulsa, OK | $229M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ttcu Federal Credit Union | Tulsa, OK | $2.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| UMB Bank, National Association | Kansas City, MO | $71.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Western Sun Federal Credit Union | Broken Arrow, OK | $181M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Westreet Federal Credit Union | Tulsa, OK | $967M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
50 peers selected · 28 publish this fee(monthly maintenance)
22 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5, the middle of its three prices, against a peer median of $8.50 among 28 publishing peers.
Its three checking prices are $3, $5 and $5.
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 1, 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 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Encentus 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 | $103K | +$7K | +7.3% |
| Q1 2026 | $96K | −$10K | −9.4% |
| Q4 2025 | $106K | +$1K | +1.0% |
| Q3 2025 | $105K | +$7K | +7.1% |
| Q2 2025 | $98K | −$3K | −3.0% |
| Q1 2025 | $101K | −$9K | −8.2% |
| Q4 2024 | $110K | −$5K | −4.3% |
| Q3 2024 | $115K | +$11K | +10.6% |
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, Encentus 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 Encentus Federal Credit Union by share.
Amounts from Encentus Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per item
per item
per item
per transaction
per item
per item
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge (Premier only if avg daily balance falls below $500) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Service charge (Rewards Blue-without Direct Deposit) | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account closed within 60 days of opening | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Paper statement fee | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Excessive withdrawal fee (regular share types 01 & 02 only) | $1Below the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
| Returned mail | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Courtesy pay fee (per item) | $29.50Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| A2A NSF fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Nonsufficient funds fee | $29.50Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM balance inquiry | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM withdrawals (10 free per month) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM withdrawals after ten (10) per month | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Non-Network ATM | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement card fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire transfers (outgoing) | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire transfers (incoming) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire transfers (international) | $32Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Counter draft (Cashiers Check) payable to 3rd party (EZ Green/Teen) | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money order (EZ Green/Teen) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop payments (each) | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Collection item (incoming) | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of draft | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill pay (if no activity for 3 months) | $5.95Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Other Fees | |||
| Fax | $2Not compared: Charged per page; comparison unavailable | per page | None |
| Photocopy | $2Not compared: Charged per page; comparison unavailable | per page | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 17, 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 Encentus 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.
Cities with the most offices
| Tulsa, OK | 1 |
Largest competitors nearby
Local market: Tulsa and Creek counties, OK, around its headquarters.
| 70 in its local market | Deposit share |
|---|---|
| BOKF, National Association | 34% |
| Arvest Bank | 7.8% |
| Bank of America, National Association | 4.6% |
| JPMorgan Chase Bank, National Association | 3.7% |
| Regent Bank | 3.7% |
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.