20 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 17, 2026.
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 17, 2026
Call-report figures are for Educational Community 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. | Educational Community 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 $60K in Q2 2026, 7.1% above the same quarter a year earlier ($56K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
Compared at $3, the middle of its prices
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Missouri, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 3.2% from Q3 2025 to Q2 2026, to $60K.
$60K
Educational Community Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Educational Community Federal Credit Union · $78M 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 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Educational Community Federal Credit Union(this institution) | Springfield, MO | $78M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| A.C.P.E. Federal Credit Union | Laramie, WY | $78M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bay Cities Credit Union | Hayward, CA | $78M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Churchill County Federal Credit Union | Fallon, NV | $77M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Columbine Federal Credit Union | Centennial, CO | $78M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Des Moines Metro Federal Credit Union | Des Moines, IA | $78M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Eaton Family Federal Credit Union | Euclid, OH | $78M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Ficare Federal Credit Union | Wesley Chapel, FL | $77M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Foundation Federal Credit Union | Springfield, MO | $77M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Freestone Federal Credit Union | Teague, TX | $77M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| G.A.P. Federal Credit Union | Johnstown, PA | $79M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Greater Metro Federal Credit Union | Long Island City, NY | $77M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Greater Pittsburgh Federal Credit Union | Pittsburgh, PA | $77M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hawaii Schools Federal Credit Union | Honolulu, HI | $79M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Kahului Federal Credit Union | Kahului, HI | $79M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Kbr Heritage Federal Credit Union | Houston, TX | $76M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kemba Roanoke Federal Credit Union | Salem, VA | $77M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members 1St Federal Credit Union | Saint Louis, MO | $76M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Miami University Community Federal Credit Union | Oxford, OH | $77M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Midwest Coalition Of Labor Federal Credit Union | Countryside, IL | $77M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| New York University Federal Credit Union | New York, NY | $78M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Postcity Financial Federal Credit Union | Long Beach, CA | $79M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Safeway Federal Credit Union | Spokane, WA | $77M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Select Employees Federal Credit Union | Sterling, IL | $79M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Southern Federal Credit Union | Houston, TX | $76M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Virginia Educators Credit Union | Newport News, VA | $76M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(out-of-network atm)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $3, the middle of its two prices, against a peer median of $1 among 11 publishing peers.
Its two prices are $1 and $5.
$3 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 Oct 31, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Against this institution's out-of-network atm 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.
Call reports for Educational Community 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 | $60K | $0 | 0.0% |
| Q1 2026 | $60K | +$5K | +9.1% |
| Q4 2025 | $55K | −$7K | −11.3% |
| Q3 2025 | $62K | +$6K | +10.7% |
| Q2 2025 | $56K | $0 | 0.0% |
| Q1 2025 | $56K | +$188K | |
| Q4 2024 | -$132K | −$218K | |
| Q3 2024 | $86K | −$3K | −3.4% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Educational Community Federal Credit Union’s own schedules, with a source for each figure.
per quarter
per hour
per month
per transaction
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account closed within 90 days of opening | $25 | Not stated | None |
| Dormant account closure and state remittance to MO | $25 | Not stated | None |
| Dormant account fee (Quarterly) | $10Not compared: Quarterly charge, not monthly | per quarter | None |
| Account research by staff | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address (per month) | $5 | per month | None |
Overdraft & NSF | |||
| Overdraft – Courtesy Pay (negative balance) | $30 | Not stated | None |
| Overdraft – electronic (ACH, ATM, debit card, POS) | $30 | Not stated | None |
| Overdraft – share drafts (NSF, uncollected funds) | $30 | Not stated | None |
| Return ACH item | $25 | Not stated | None |
ATM & Card | |||
| ATM withdrawal - foreign (non-CO-OP ATM) | $1 | Not stated | None |
| Visa travel card ($3,000 max.) Initial purchase Reload ATM withdrawal ATM balance inquiry | $5 | Not stated | None |
| Replacement ATM/debit card/credit card | $10 | Not stated | None |
| International Currency Conversion Fee | 1%of the transaction | per transaction | None |
| International Currency Conversion Fee (audience not stated, treated as personal) | 1%of the transaction | per transaction | None |
Wire Transfers | |||
| Wire transfers - domestic outgoing (via Federal Reserve) | $30 | Not stated | None |
| Wire transfers - domestic incoming (via Federal Reserve) | $10 | Not stated | None |
| Western Union & wire transfers – international | $50 | Not stated | None |
Check Services | |||
| Cashier’s check | $2 | Not stated | None |
| Money order (third-party payment) | $2 | Not stated | None |
| Stop payment (ACH or share draft) | $20 | Not stated | None |
| Stop payment (teller/cashier's check) | $20 | Not stated | None |
| Counter check Up to two per visit More than two per visit (each) | $0.50 | Not stated | None |
| Cleared check copy In Person Internet Banking | $2 | Not stated | None |
Digital & Electronic | |||
| ACH Origination NSF/Return Item Fee | $25 | Not stated | None |
Account Services | |||
| Notary service to members | No charge | Not stated | None |
| Notary service to non-members | $5 | Not stated | None |
| Safe deposit box drilled: Approximately | $225Not compared: Box drilling or key fee | Not stated | None |
| Safe deposit box key replacement: Approx | $25Not compared: Box drilling or key fee | Not stated | None |
| Garnishment fee at funds pay out | $20 | Not stated | None |
Gift & Prepaid Cards | |||
| Visa® gift card ($1,000 max.) | $5 | Not stated | None |
Other Fees | |||
| Copies (per page) | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
| Fax documents | $2 | 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 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.
Fee change alerts
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