Compared with New Mexico
2 of 18
compared fees are above the median.
11 below, 5 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
63rd percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New Mexico median
of 18 compared; 11 below, 5 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for State Employees 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 452 credit unions with $1B to $10B 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 New Mexico median | Published fees above the New Mexico median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | State Employees 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
Fee income was 7.6% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (63rd 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 $1.6M in Q2 2026, 4.0% below the same quarter a year earlier ($1.6M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 18 compared published fees sit above the New Mexico median; 11 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 New Mexico medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $1.08, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for New Mexico, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 7.7% from Q3 2025 to Q2 2026, to $1.6M. Its share of revenue, 7.6%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$1.6M
State Employees 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 452 credit unions with $1B to $10B 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 $0.65 to $1.50; we compare the midpoint.
State Employees Federal Credit Union · $1.3B 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 |
|---|---|---|---|---|---|---|---|
| State Employees Federal Credit Union(this institution) | Santa Fe, NM | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Amplify Federal Credit Union | Austin, TX | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cobalt Federal Credit Union | Papillion, NE | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Dutrac Community Federal Credit Union | Dubuque, IA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Efcu Financial Federal Credit Union | Baton Rouge, LA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Farmers Insurance Federal Credit Union | Los Angeles, CA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Five Star Federal Credit Union | Dothan, AL | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Guardian Federal Credit Union | Prattville, AL | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gulf Coast Educators Federal Credit Union | Pasadena, TX | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Harvard Federal Credit Union | Cambridge, MA | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Island Federal Credit Union | Hauppauge, NY | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Los Angeles Federal Credit Union | Glendale, CA | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Municipal Empl.Credit Union of Balt | Baltimore, MD | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Orion Federal Credit Union | Memphis, TN | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pacific Service Federal Credit Union | Concord, CA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Patriot Federal Credit Union | Chambersburg, PA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Rave Financial Federal Credit Union | Beaumont, TX | $1.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rev Federal Credit Union | Charleston, SC | $1.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rize Federal Credit Union | El Monte, CA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sesloc Federal Credit Union | San Luis Obispo, CA | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sharonview Federal Credit Union | Fort Mill, SC | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sidney Federal Credit Union | Sidney, NY | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Silver State Schools Federal Credit Union | Las Vegas, NV | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Southland Federal Credit Union | Los Alamitos, CA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Truity Federal Credit Union | Bartlesville, OK | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wright Patman Congressional Federal Credit Union | Washington, DC | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.98 among 15 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 27, 2026.
Monthly maintenance fee in dollars, one mark per institution
State Employees Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.
Call reports for State Employees 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 | $1.6M | +$164K | +11.6% |
| Q1 2026 | $1.4M | −$238K | −14.4% |
| Q4 2025 | $1.6M | −$58K | −3.4% |
| Q3 2025 | $1.7M | +$66K | +4.0% |
| Q2 2025 | $1.6M | +$29K | +1.8% |
| Q1 2025 | $1.6M | −$71K | −4.2% |
| Q4 2024 | $1.7M | −$40K | −2.3% |
| Q3 2024 | $1.7M | +$153K | +9.7% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, State Employees 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 State Employees Federal Credit Union by share.
Amounts from State Employees Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Account Reconciliation or Research | $20.00 per hour
per page · Counter Checks | $2.00 per page
per month
one time
one time
one time
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closing Account Within First 90 Days | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee – (12 months inactivity) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheatment Fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconciliation or Research | $20Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation or Research | $20.00 per hour |
| Returned Mail Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Privilege NSF Fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF – Nonsufficient Funds Fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Excessive ATM Withdrawal Fee (10 free) | $0.65Below the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Foreign ATM Fee | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| International ATM | 1% | per item | None |
| ATM/Debit Card Re-issue | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer: Domestic | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier's/Official Check Fee | $1Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $2Not compared: Charged per page; comparison unavailable | per page | Counter Checks | $2.00 per page |
| Collection Items | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copies | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Online Banking / Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Return Check Charge | $10Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Services | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Garnishment or IRS Levy Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| 1% Loan Origination Fee | $50Inside the U.S. middle 50% ($20.15 to $96.25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards: Members | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Gift Cards: Non-members | $4.50Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Monthly Statement Copies | $3Not compared: Monthly charge, not per item | per month | None |
| Document preparation fee | $200Above the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
| Flood Certification Fee | $19Below the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
| Flood Certification Fee (First Mortgage) | $19Below the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
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.
Where State Employees Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
9 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Santa Fe, NM | 4 |
| Albuquerque, NM | 1 |
| Belen, NM | 1 |
| Las Vegas, NM | 1 |
| Los Lunas, NM | 1 |
| Rio Rancho, NM | 1 |
Largest competitors nearby
Local market: Santa Fe county, NM, around its headquarters.
| 13 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 27.6% |
| Enterprise Bank & Trust | 13.6% |
| Bank of America, National Association | 13.4% |
| Century Bank | 13.1% |
| Sunflower Bank, National Association | 13.1% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
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