Compared with Texas
12 of 24
compared fees are above the median.
8 below, 4 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
86th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 24 compared; 8 below, 4 about the same
See the feesFee schedule read Oct 18, 2026
Call-report figures are for Bayou City 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. | Bayou City Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 18, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 14% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (86th 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 $56K in Q2 2026, 15% below the same quarter a year earlier ($66K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
12 of 24 compared published fees sit above the Texas median; 8 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
Compared at $9.50, the middle of its prices
NSF / Returned Item
Non-Network ATM
Compared at $1.50, the middle of its prices
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 5.1% from Q3 2025 to Q2 2026, to $56K. Its share of revenue, 14%, is above the 7.2% median for credit unions with under $300M in assets.
$56K
Bayou City 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 to $2; we compare the midpoint. Monthly maintenance: Listed at $7 to $12; we compare the midpoint.
Bayou City Federal Credit Union · $24M 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 |
|---|---|---|---|---|---|---|---|
| Bayou City Federal Credit Union(this institution) | Houston, TX | $24M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Advantage One Federal Credit Union | Morrison, IL | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Alliance Niagara Federal Credit Union | Sanborn, NY | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ang Federal Credit Union | Birmingham, AL | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Billerica Municipal Employees Federal Credit Union | Billerica, MA | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Chattahoochee Federal Credit Union | Valley, AL | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Financial Educators Federal Credit Union | Daytona Beach, FL | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hamakua Federal Credit Union | Pepeekeo, HI | $23M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Highway Crossroads Federal Credit Union | Sikeston, MO | $24M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Honeywell Philadelphia Div Federal Credit Union | Ft Washington, PA | $24M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Kennedy Va Employees Federal Credit Union | Memphis, TN | $24M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Main Impact Federal Credit Union | Murray, KY | $23M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mid-State Federal Credit Union | Carteret, NJ | $23M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mint Valley Federal Credit Union | Longview, WA | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Monroe County Teachers Federal Credit Union | Key West, FL | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| N.F.G. #2 Federal Credit Union | Warren, PA | $24M | Monthly maintenance not published | 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 |
| Priority Plus Federal Credit Union | Wilmington, DE | $23M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| S C I Federal Credit Union | Florence, SC | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sylvania Area Federal Credit Union | Sylvania, OH | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Tee-Pak Federal Credit Union | Danville, IL | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texas People Federal Credit Union | Fort Worth, TX | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Thiokol Elkton Federal Credit Union | Elkton, MD | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Unite Federal Credit Union | Cedar Falls, IA | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Westmoreland Water Federal Credit Union | Greensburg, PA | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wolf Point Federal Credit Union | Wolf Point, MT | $23M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ 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 $9.50, the middle of its two prices, against a peer median of $5 among 8 publishing peers.
Its two checking prices are $7 and $12.
$9.50 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 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.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Bayou City 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 | $56K | +$2K | +3.7% |
| Q1 2026 | $54K | −$6K | −10.0% |
| Q4 2025 | $60K | +$1K | +1.7% |
| Q3 2025 | $59K | −$7K | −10.6% |
| Q2 2025 | $66K | +$2K | +3.1% |
| Q1 2025 | $64K | −$3K | −4.5% |
| Q4 2024 | $67K | +$2K | +3.1% |
| Q3 2024 | $65K | +$1K | +1.6% |
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, Bayou City 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 Bayou City Federal Credit Union by share.
Amounts from Bayou City Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per year
per month
per hour
per day
per month
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Service Charge - 5 Star Chk | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Service Charge - Regular Chk | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Low Balance Share Account Fee (A only) | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Escheat | $25Not compared: Annual charge, not monthly | per year | None |
| Monthly Inactivity | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Debit Card Dispute Denial Fee | $30Not compared: Daily charge, not per item | per day | None |
| Excessive Withdrawal | $3Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
| Return Mail Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| All Insufficient Funds (NSF) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft or Negative Acct. Transfer | $6Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Balance Inquiry | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Transactions | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Card Replacement (Mailed Debit & Credit) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Card Replacement (Temporary Card) | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Card Order Rush Fee - Next Day | $55Above the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer - Domestic ONLY | $15Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer - Domestic ONLY | $10Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Official Teller Check | $4Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| All Stop Payments | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks/Deposit Slips | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Non-member Check cashing fee (audience not stated, treated as personal) | 2%($5 minimum) | Not stated | None |
| Non-member Check cashing fee | 2%($5 minimum) | Not stated | None |
| Share draft / Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination Fee | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Cash & Deposit | |||
| Credit Card Cash Advance Fee | $10Inside the U.S. middle 50% ($2 to $10 nationally) | per item | None |
| Deposited Check Return Fee | $25Inside the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Tax Levy, Garnishment, Freeze, etc | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Account Verification | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late Fee (audience not stated, treated as personal) | 10%($50 maximum) | Not stated | None |
| Late Fee | 10%($50 maximum) | Not stated | None |
Vehicle & Title | |||
| Lost Title / Lien Release, (initial release NC) | $10Below the U.S. middle 50% ($15 to $50 nationally) | Not stated | None |
Other Fees | |||
| Photocopies | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy | $5Not compared: Monthly charge, not per item | per month | None |
| Loan Application | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Refinance Exisiting BCFCU Auto Loan Fee | $35Inside the U.S. middle 50% ($20 to $37.50 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
Oct 18, 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 Bayou City 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
| Houston, TX | 3 |
Largest competitors nearby
Local market: Harris and Fort Bend counties, TX, around its headquarters.
| 157 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 51.3% |
| Wells Fargo Bank, National Association | 11.5% |
| Bank of America, National Association | 6.5% |
| Zions Bancorporation, N.A. | 3.5% |
| PNC Bank, National Association | 2.6% |
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.