Energy Capital Federal Credit Union

Headquarters: Houston, Texas
Charter: Credit Union
Assets: $261.4M
Fed district: Dallas
Regulator: NCUA

Explore Hamilton View published fees

Compared with Texas

15 of 18

compared fees are above the median.

1 below, 2 about the same.

About the same: within 1% of the median.

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
57th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 18 compared; 1 below, 2 about the same
See the fees
Fee schedule read Nov 1, 2026

How these figures are measured

Call-report figures are for Energy Capital 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.	Energy Capital Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Energy Capital 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 8.2% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (57th 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 $312K in Q2 2026, 8.3% above the same quarter a year earlier ($288K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
15 of 18 compared published fees sit above the Texas median; 1 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.

Fees against the market

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

Non-Network ATM
Energy Capital Federal Credit Union: $2
Energy Capital Federal Credit Union: $2
Texas median: $1.50154 publishDallas district median: $1.50173 publishU.S. median: $1.501,648 publish
Monthly Maintenance
Power Checking
Energy Capital Federal Credit Union: $10
Energy Capital Federal Credit Union: $10
Texas median: $7.50166 publishDallas district median: $7.50188 publishU.S. median: $71,901 publish
NSF / Returned Item
Energy Capital Federal Credit Union: $30
Energy Capital Federal Credit Union: $30
Texas median: $30251 publishDallas district median: $30277 publishU.S. median: $302,857 publish

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

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.

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).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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 rose 5.8% from Q3 2025 to Q2 2026, to $312K. Its share of revenue, 8.2%, is above the 7.2% median for credit unions with under $300M in assets.

Fee income, Q2 2026

$312K

$295KQ3 2025

$328KQ4 2025

$318KQ1 2026

$312KQ2 2026

Against the median (TX for fees)

Share of revenue8.2% / 7.2%
Non‑network ATM$2 / $1.50
Monthly maintenance$10 / $7.50

Energy Capital 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.

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.

How much of the higher share comes from how often fees are charged, rather than what they cost?
Do waivers and balance requirements change what most customers actually pay?
Which fees make up most of fee income, and has that mix changed?

See a free sample report

Among its peers

Energy Capital Federal Credit Union · $261M 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 17 states.

Credit unions only
$255M to $267M in assets
Headquartered in 17 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
Energy Capital Federal Credit Union(this institution)	Houston, TX	$261M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Bridge Federal Credit Union	Powell, OH	$257M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Cacl Federal Credit Union	Pottsville, PA	$256M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Central State Federal Credit Union	Stockton, CA	$258M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Elevate Federal Credit Union	Brigham City, UT	$260M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Filer Federal Credit Union	Manistee, MI	$262M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gerber Federal Credit Union	Fremont, MI	$260M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Gulf Coast Federal Credit Union	Corpus Christi, TX	$260M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hidden River Federal Credit Union	Pottsville, PA	$259M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Highmark Federal Credit Union	Rapid City, SD	$258M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Illiana Financial Federal Credit Union	Calumet City, IL	$264M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Landings Federal Credit Union	Tempe, AZ	$263M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Midcoast Federal Credit Union	Freeport, ME	$267M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Midwest Community Federal Credit Union	Defiance, OH	$267M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Moog Employees Federal Credit Union	East Aurora, NY	$257M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mygeorgia Federal Credit Union	Gainesville, GA	$258M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Niagara'S Choice Federal Credit Union	Niagara Falls, NY	$265M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
North Jersey Federal Credit Union	Totowa, NJ	$256M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
One Federal Credit Union	Springfield, VT	$264M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
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
Southwest Heritage Federal Credit Union	Odessa, TX	$261M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Spc Federal Credit Union	Hartsville, SC	$266M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tremont Federal Credit Union	Boston, MA	$256M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Truchoice Federal Credit Union	Portland, ME	$257M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Truecore Federal Credit Union	Newark, OH	$255M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Usx Federal Credit Union	Cranberry Twp, PA	$258M	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 · 8 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $3.51 (54%) above the median of similar-sized credit unions.

Its published price is $10, against a peer median of $6.49 among 8 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.

Monthly maintenance fee in dollars, one mark per institution

Energy Capital Federal Cr…Peer (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 Oct 31, 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 Energy Capital 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: $312K
vs prior quarter: −$6K−1.9%; from Q1 2026
vs a year earlier: +$24K+8.3%; from Q2 2025
vs start of range: +$13K+4.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Energy Capital 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	$312K	−$6K	−1.9%
Q1 2026	$318K	−$10K	−3.0%
Q4 2025	$328K	+$33K	+11.2%
Q3 2025	$295K	+$7K	+2.4%
Q2 2025	$288K	−$31K	−9.7%
Q1 2025	$319K	−$17K	−5.1%
Q4 2024	$336K	+$37K	+12.4%
Q3 2024	$299K	+$28K	+10.3%

Fee-income share against its size cohort

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, Energy Capital Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.

Energy Capital Federal Credit Union: 8.2%
Percentile: 57th
25th percentile: 3.7%
Median: 7.2%
75th percentile: 11%

Energy Capital Federal Credit Union 8.2%Median 7.2%Middle half 3.7% to 11.4%Peers at each share21 above 30%, counted in the last bar

Find a peer (2,932)

The 15 closest to Energy Capital Federal Credit Union by share.

Details

Source: NCUA 5300 call report
Entity: Each credit union, not its holding company
Period: Q2 2026 (quarter ended Jun 30, 2026), year to date
Measure: Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income)
Calculation: Quartiles interpolated across peers' own shares; percentile is the share of peers below, ties counted half
Fields: Account 131 / (Account 115 + Account 117)

Published fee schedule

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

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Power Checking Monthly service charge (audience not stated, treated as personal)$10
Inside the U.S. middle 50% ($5 to $10 nationally)
per month
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$2
Inside the U.S. middle 50% ($2 to $4.98 nationally)
Paper Statement Fee (waived for 50-Watt Checking)$4
Inside the U.S. middle 50% ($2 to $4.98 nationally)
Returned Mail$6
Inside the U.S. middle 50% ($5 to $7.50 nationally)

Fee	Amount	Basis	Note
Account Maintenance
Power Checking Monthly service charge (audience not stated, treated as personal)	$10Inside the U.S. middle 50% ($5 to $10 nationally)	per month	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$2Inside the U.S. middle 50% ($2 to $4.98 nationally)	Not stated	None
Paper Statement Fee (waived for 50-Watt Checking)	$4Inside the U.S. middle 50% ($2 to $4.98 nationally)	Not stated	None
Returned Mail	$6Inside the U.S. middle 50% ($5 to $7.50 nationally)	Not stated	None
Overdraft & NSF
Non-Sufficient Funds (NSF)	$30Inside the U.S. middle 50% ($25 to $32 nationally)	per item	None
Overdraft Protection Transfer	$7Not compared: Daily charge, not per item	per day	None
ATM & Card
Excessive ATM Withdrawal-Foreign ATM Fee	$2Inside the U.S. middle 50% ($1 to $2 nationally)	Not stated	None
Debit Card Replacement	$9Inside the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Wire Transfers
Wire Transfer (Outgoing-domestic, in-person)	$35Above the U.S. middle 50% ($20 to $25 nationally)	Not stated	None
Wire Transfer (Outgoing-domestic, online)	$25Inside the U.S. middle 50% ($20 to $25 nationally)	Not stated	None
Incoming Wire	$14Inside the U.S. middle 50% ($5 to $15 nationally)	Not stated	None
Wire Transfer (Incoming)	$16Above the U.S. middle 50% ($5 to $15 nationally)	Not stated	None
Check Services
Teller Check (member)	$6Inside the U.S. middle 50% ($3 to $6 nationally)	Not stated	None
Money Order (member)	$4Above the U.S. middle 50% ($2 to $3 nationally)	Not stated	None
Money Order (non-member)	$5Above the U.S. middle 50% ($2 to $3 nationally)	Not stated	None
Stop Payment	$25Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Non-Member Check Cashing	$10Inside the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Domestic Collection Item	$20Inside the U.S. middle 50% ($10 to $26 nationally)	Not stated	None
Cleared Check Copy	$3Inside the U.S. middle 50% ($2 to $5 nationally)	Not stated	None
Digital & Electronic
ACH Origination – Same Day	$30Above the U.S. middle 50% ($5 to $15 nationally)	Not stated	None
Bill Pay- Expedited Payment	$20Not compared: Per-item charge, not monthly	per item	None
Account Services
Late Payment (30 days past due)	$10Not compared: Box drilling or key fee	Not stated	None
Safe Deposit Box 10 X 10 (audience not stated, treated as personal)	$120Above the U.S. middle 50% ($32.50 to $60 nationally)	Not stated	None
Safe Deposit Box 3 X 10 (audience not stated, treated as personal)	$50Inside the U.S. middle 50% ($32.50 to $60 nationally)	Not stated	None
Safe Deposit Box 3 x 5 (audience not stated, treated as personal)	$25Below the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box 3 X 5	$25Below the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Safe Deposit Box 5 X 10 (audience not stated, treated as personal)	$75Above the U.S. middle 50% ($32.50 to $60 nationally)	Not stated	None
Garnishment, Execution, Levy	$50Not compared: Charged per hour; comparison unavailable	per hour	None
Other Fees
Overnight Mail Delivery (Member Request)	$30Inside the U.S. middle 50% ($20 to $40 nationally)	Not stated	None
Loan Skip-a-Payment (email/mail/in person)	$45Above the U.S. middle 50% ($20 to $37.50 nationally)	Not stated	None
Loan Skip-a-Payment (online)	$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

Showing 5 of 32 fees.

Correct a fee source

Nov 1, 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.

Branches and public record

Where Energy Capital Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

4 offices in 1 state (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

1 is shown at the middle of its town until the exact address is found.

Cities with the most offices

Spring, TX	2
Houston, TX	1
Katy, TX	1

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

Energy Capital Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Monthly maintenance is $3.51 (54%) above the median of similar-sized credit unions.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Energy Capital Federal Credit Union changes in our data

Energy Capital Federal Credit Union

Overview

What stands out

Fees against the market

Fee income beside fee prices

Among its peers

Monthly maintenance is $3.51 (54%) above the median of similar-sized credit unions.

Financial performance

Fee-income share against its size cohort

Published fee schedule

Branches and public record

Get an email when a fee at Energy Capital Federal Credit Union changes in our data