Electel Cooperative Federal Credit Union

Headquarters: Raleigh, North Carolina
Charter: Credit Union
Assets: $68.2M
Fed district: Richmond
Regulator: NCUA

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

Source: its fee schedule, read Nov 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 Nov 2, 2026

How these figures are measured

Call-report figures are for Electel Cooperative 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.	Electel Cooperative Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Electel Cooperative 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

Fees against the market

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

Overdraft (OD)
Electel Cooperative Federal Credit Union: $23
Electel Cooperative Federal Credit Union: $23
U.S. median: no median
NSF / Returned Item
Electel Cooperative Federal Credit Union: $23
Electel Cooperative Federal Credit Union: $23
U.S. median: no median
Wire Transfer (Domestic Out)
Electel Cooperative Federal Credit Union: $18
Electel Cooperative Federal Credit Union: $18
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Carolina, the Richmond 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).
North Carolina: Banks and credit unions headquartered in North Carolina that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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 40% from Q3 2025 to Q2 2026, to $39K.

Fee income, Q2 2026

$39K

$65KQ3 2025

$20KQ4 2025

$49KQ1 2026

$39KQ2 2026

Against the median

Electel Cooperative 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

Electel Cooperative Federal Credit Union · $68M 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 19 states.

Credit unions only
$66M to $70M in assets
Headquartered in 19 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
Electel Cooperative Federal Credit Union(this institution)	Raleigh, NC	$68M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
A.B.D. Federal Credit Union	Warren, MI	$67M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Access Federal Credit Union	Bristol, PA	$70M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Alcoa Community Federal Credit Union	Benton, AR	$70M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
American Spirit Federal Credit Union	Newark, DE	$68M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Avestar Federal Credit Union	Waterloo, WI	$68M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Benton County Schools Federal Credit Union	Corvallis, OR	$69M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Cornerstone Federal Credit Union	Fairfield, CT	$68M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Eagle Express Federal Credit Union	Jackson, MS	$67M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Federated Employees Federal Credit Union	Owatonna, MN	$67M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Firefighters Federal Credit Union	Draper, UT	$70M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Friendly Federal Credit Union	Aliquippa, PA	$69M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Gp Louisiana Federal Credit Union	Zachary, LA	$66M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Greater Niagara Federal Credit Union	Niagara Falls, NY	$70M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Healthcare Plus Federal Credit Union	Aberdeen, SD	$70M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Kings Peak Federal Credit Union	Roosevelt, UT	$68M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Latitude 32 Federal Credit Union	Charleston, SC	$70M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Parishioners Federal Credit Union	Torrance, CA	$70M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Rocket City Federal Credit Union	Huntsville, AL	$69M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
South Texas Federal Credit Union	McALLEN, TX	$69M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Stoneham Municipal Employees Federal Credit Union	Stoneham, MA	$70M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Tahquamenon Area Federal Credit Union	Newberry, MI	$70M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Employees Federal Credit Union	Albert Lea, MN	$66M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
West Texas Federal Credit Union	Odessa, TX	$70M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Wheatland Federal Credit Union	Lancaster, PA	$70M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Wvu Employees Federal Credit Union	Morgantown, WV	$68M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Electel Cooperative Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 10 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 26, 2026.

Monthly maintenance fee in dollars, one mark per institution

Electel Cooperative Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Electel Cooperative Feder…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 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 Electel Cooperative 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: $39K
vs prior quarter: −$10K−20.4%; from Q1 2026
vs a year earlier: +$39K; from Q2 2025
vs start of range: −$1K−2.5%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Electel Cooperative 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	$39K	−$10K	−20.4%
Q1 2026	$49K	+$29K	+145.0%
Q4 2025	$20K	−$45K	−69.2%
Q3 2025	$65K	+$65K
Q2 2025	$0	−$72K	−100.0%
Q1 2025	$72K	+$27K	+60.0%
Q4 2024	$45K	+$5K	+12.5%
Q3 2024	$40K	$0	0.0%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Account Research$20
Return mail fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Privilege Fee (per item)$23
per item
Nonsufficient Funds Check$23
Nonsufficient funds item (each)$23
per item
Nonsufficient Funds Preauthorized Withdrawal$23

ATM & Card

Lost/damaged debit card$10
International Service Assessment1%of the transaction

Wire Transfers

Outgoing Wire Transfer (Domestic)$18
Outgoing Wire Transfer (Foreign)$33.50

Check Services

Stop payments$23
per item
Stop Payments (all items)$23
Copy of Check$5

Cash & Deposit

Deposited Checks (and other items) Returned Upaid$23

Other Fees

Statement copy$5
Statement Copy (per copy)$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Research	$20	Not stated	None
Return mail fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Privilege Fee (per item)	$23	per item	None
Nonsufficient Funds Check	$23	Not stated	None
Nonsufficient funds item (each)	$23	per item	None
Nonsufficient Funds Preauthorized Withdrawal	$23	Not stated	None
ATM & Card
Lost/damaged debit card	$10	Not stated	None
International Service Assessment	1%of the transaction	Not stated	None
Wire Transfers
Outgoing Wire Transfer (Domestic)	$18	Not stated	None
Outgoing Wire Transfer (Foreign)	$33.50	Not stated	None
Check Services
Stop payments	$23	per item	None
Stop Payments (all items)	$23	Not stated	None
Copy of Check	$5	Not stated	None
Cash & Deposit
Deposited Checks (and other items) Returned Upaid	$23	Not stated	None
Other Fees
Statement copy	$5	Not stated	None
Statement Copy (per copy)	$5	per item	None

Correct a fee source

Nov 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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