Xplore Federal Credit Union

Headquarters: Metairie, Louisiana
Charter: Credit Union
Assets: $147.1M
Fed district: Atlanta
Regulator: NCUA

24 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 2, 2026.

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 2, 2026

How these figures are measured

Call-report figures are for Xplore 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Xplore Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 2, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Xplore 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 $276K in Q2 2026, 4.2% above the same quarter a year earlier ($265K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

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

Monthly Maintenance
Compared at $2.50, the middle of its prices
Xplore Federal Credit Union: $0 to $5
Xplore Federal Credit Union: $0 to $5
U.S. median: no median
Overdraft (OD)
Xplore Federal Credit Union: $29
Xplore Federal Credit Union: $29
U.S. median: no median
NSF / Returned Item
Xplore Federal Credit Union: $29
Xplore Federal Credit Union: $29
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Louisiana, the Atlanta 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).
Louisiana: Banks and credit unions headquartered in Louisiana that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 2.5% from Q3 2025 to Q2 2026, to $276K.

Fee income, Q2 2026

$276K

$283KQ3 2025

$291KQ4 2025

$275KQ1 2026

$276KQ2 2026

Against the median

Xplore 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.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Xplore Federal Credit Union · $147M 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 13 states.

Credit unions only
$143M to $152M in assets
Headquartered in 13 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
Xplore Federal Credit Union(this institution)	Metairie, LA	$147M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Arkansas Best Federal Credit Union	Fort Smith, AR	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Buffalo Metropolitan Federal Credit Union	Buffalo, NY	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Celco Community Federal Credit Union	Narrows, VA	$144M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Cheney Federal Credit Union	Cheney, WA	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community First Federal Credit Union	Lakeview, MI	$149M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Consumers Professional Federal Credit Union	Lansing, MI	$150M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
East County Schools Federal Credit Union	El Cajon, CA	$147M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Fidelis Catholic Federal Credit Union	Arvada, CO	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Financial Builders Federal Credit Union	Kokomo, IN	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Financialedge Federal Credit Union	Bay City, MI	$147M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Florida West Coast Federal Credit Union	Brandon, FL	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Great Erie Federal Credit Union	Orchard Park, NY	$150M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hawaii County Employees Federal Credit Union	Hilo, HI	$148M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Heart Of Louisiana Federal Credit Union	Pineville, LA	$143M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Jm Associates Federal Credit Union	Jacksonville, FL	$151M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lenco Federal Credit Union	Adrian, MI	$145M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Maui Federal Credit Union	Kahului, HI	$146M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Meridia Community Federal Credit Union	Hamburg, NY	$144M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Alabama Educators Federal Credit Union	Huntsville, AL	$143M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Quantum Federal Credit Union	Wichita, KS	$143M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Siskiyou Federal Credit Union	Yreka, CA	$144M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Syracuse Fire Department Employees Federal Credit Union	Syracuse, NY	$147M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The District Federal Credit Union	Aurora, CO	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Town Of Hempstead Employees Federal Credit Union	North Baldwin, NY	$149M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Tru Fi Federal Credit Union	Macclenny, FL	$146M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(monthly maintenance)

16 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.50 (50%) below the median of similar-sized credit unions.

Compared at $2.50, the middle of its two prices, against a peer median of $5 among 9 publishing peers.

Its two checking prices are $0 and $5.

$2.50 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 Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Xplore Federal Credit Uni…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

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 Nov 2, 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 Xplore 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: $276K
vs prior quarter: +$1K+0.4%; from Q1 2026
vs a year earlier: +$11K+4.2%; from Q2 2025
vs start of range: −$31K−10.1%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Xplore 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	$276K	+$1K	+0.4%
Q1 2026	$275K	−$16K	−5.5%
Q4 2025	$291K	+$8K	+2.8%
Q3 2025	$283K	+$18K	+6.8%
Q2 2025	$265K	−$13K	−4.7%
Q1 2025	$278K	−$56K	−16.8%
Q4 2024	$334K	+$27K	+8.8%
Q3 2024	$307K	+$1K	+0.3%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

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

Account Maintenance

Monthly Service Charge (audience not stated, treated as personal)No charge
per month
Renew Spend Account: Monthly Service Charge (audience not stated, treated as personal)$5
per month
Monthly Service Charge (if balance falls below $100) (audience not stated, treated as personal)$5
per month
Early Checking Account Closure Fee 2 Within first 6 months (audience not stated, treated as personal)$25
per item
Inactive Share Account Fee No activity for 12 months (audience not stated, treated as personal)$10
Paper Statement Fee (audience not stated, treated as personal)$5
per month

Overdraft & NSF

Courtesy Pay Fee$29
per item
Non-Sufficient Funds (audience not stated, treated as personal)$29
per item

ATM & Card

Out of network ATM W /D Fees$2
2 Day Replacement Rush Fee- Card$50

Wire Transfers

Wire Fee Incoming$12

Check Services

Official Checks Payable to Self (audience not stated, treated as personal)No charge
Stop Payment-Standard (audience not stated, treated as personal)$29
Temporary Checks$2
Check Cashing Fee (non-member)$5
Collection Fee$25
per item
Check Copy$3
per item

Digital & Electronic

Online Banking/Online Bill Pay (audience not stated, treated as personal)No charge

Cash & Deposit

Cash Advance (audience not stated, treated as personal)$5

Account Services

Notary Services$20
Legal Proc es s/ Tax Levy$50

Retirement & IRA

IRA Annual Maintenance Fee$10
per year
IRA Account Closure$20
IRA O utg oing Transfer$20

Other Fees

Statement Copy$5
per item
Loan Skip A Pay Fee (audience not stated, treated as personal)$29.95
Loan Skip A Pay Fee$29.95
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Charge (audience not stated, treated as personal)	No charge	per month	None
Renew Spend Account: Monthly Service Charge (audience not stated, treated as personal)	$5	per month	None
Monthly Service Charge (if balance falls below $100) (audience not stated, treated as personal)	$5	per month	None
Early Checking Account Closure Fee 2 Within first 6 months (audience not stated, treated as personal)	$25	per item	None
Inactive Share Account Fee No activity for 12 months (audience not stated, treated as personal)	$10	Not stated	None
Paper Statement Fee (audience not stated, treated as personal)	$5	per month	None
Overdraft & NSF
Courtesy Pay Fee	$29	per item	None
Non-Sufficient Funds (audience not stated, treated as personal)	$29	per item	None
ATM & Card
Out of network ATM W /D Fees	$2	Not stated	None
2 Day Replacement Rush Fee- Card	$50	Not stated	None
Wire Transfers
Wire Fee Incoming	$12	Not stated	None
Check Services
Official Checks Payable to Self (audience not stated, treated as personal)	No charge	Not stated	None
Stop Payment-Standard (audience not stated, treated as personal)	$29	Not stated	None
Temporary Checks	$2	Not stated	None
Check Cashing Fee (non-member)	$5	Not stated	None
Collection Fee	$25	per item	None
Check Copy	$3	per item	None
Digital & Electronic
Online Banking/Online Bill Pay (audience not stated, treated as personal)	No charge	Not stated	None
Cash & Deposit
Cash Advance (audience not stated, treated as personal)	$5	Not stated	None
Account Services
Notary Services	$20	Not stated	None
Legal Proc es s/ Tax Levy	$50	Not stated	None
Retirement & IRA
IRA Annual Maintenance Fee	$10	per year	None
IRA Account Closure	$20	Not stated	None
IRA O utg oing Transfer	$20	Not stated	None
Other Fees
Statement Copy	$5	per item	None
Loan Skip A Pay Fee (audience not stated, treated as personal)	$29.95	Not stated	None
Loan Skip A Pay Fee	$29.95	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 2, 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.

Fee change alerts

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