Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community credit union, under $300M

Loco Federal Credit Union

Alamogordo, New MexicoCredit UnionDallas Fed districtFees collected Oct 3, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Monthly Service Fee$0Below the typical range ($4–$10 nationally)

$6 below the national median$5 below the New Mexico median

Dormant Account Fee$5

At the national medianAt the New Mexico median

per month · Source

Acct Reconciliation or Research Fee$20

$2.50 above the national median$2.50 above the New Mexico median

Source

Return Mail Fee$5

$12.50 below the national median$12.50 below the New Mexico median

Knox extract.rules v33 categorized a line held for review from Rosetta artifact #580. canonical_hint=account_research; text_hash=1896d03368766ed4405b44a2e4774a8d7800754c31072a5d4205cb68c03a0a67; excerpt="Return Mail Fee | $ 5.00" · Source

Paper Statement Service$5

$2 above the national medianAt the New Mexico median

per month · Source

Overdraft & NSFVerified

Overdraft Courtesy Pay Fee$35Above the typical range ($25–$33 nationally)
$5 above the national median$5 above the New Mexico median
per item · Source
NSF Check Fee$25Within the typical range ($25–$32 nationally)
$5 below the national medianAt the New Mexico median
Source
Daily Overdraft Fee$25Above the typical range ($5–$15 nationally)
$20 above the national median$20 above the New Mexico median
per day · Source

ATM & CardVerified

Card Replacement Fee$15Above the typical range ($5–$10 nationally)
$5 above the national median$5 above the New Mexico median
per item · Source

Wire TransfersVerified

Wire Fee: Outgoing$25Within the typical range ($20–$25 nationally)
At the national median$5 above the New Mexico median
per item · Source

Check ServicesVerified

Cashier's Checks$5Within the typical range ($3–$6 nationally)
At the national medianAt the New Mexico median
per item · Source
Money Order Fee$1.50Within the typical range ($1.50–$3 nationally)
$0.50 below the national median$1 below the New Mexico median
per item · Source
Stop Payment Fee$30Within the typical range ($20–$30 nationally)
$2.50 above the national median$2 above the New Mexico median
per item · Source
Copy of Check Fee$5Within the typical range ($2–$5 nationally)
$2 above the national median$3 above the New Mexico median
per item · Source

Digital & ElectronicVerified

ACH Origination Fee (non-recurring)$10Within the typical range ($5–$20 nationally)
At the national median$2.50 above the New Mexico median
per item · Source

Cash & DepositVerified

Return Item Fee$10Within the typical range ($8–$25 nationally)
$5 below the national medianAt the New Mexico median
Source

Account ServicesVerified

Notary Fee$0Within the typical range ($0–$5 nationally)
$2.50 below the national median$5 below the New Mexico median
Source

Lending FeesVerified

Late Payment Fee$25Within the typical range ($10–$25 nationally)
$5 above the national median$10 above the New Mexico median
Source

Retirement & IRAVerified

IRA Maintenance Fee$25Within the typical range ($10–$25 nationally)
$10 above the national medianAt the New Mexico median
per year · Source

Vehicle & TitleVerified

Vehicle Title/Registration Fee$50Above the typical range ($15–$49.34 nationally)
$25 above the national median
Source

Other FeesVerified

Fed Ex Overnight Delivery$90Above the typical range ($20–$40 nationally)
$60 above the national median
per item · Source
Fax Fee$1Below the typical range ($2–$5 nationally)
$2 below the national median$2 below the New Mexico median
per item · Knox extract.rules v57 categorized a line held for review from Rosetta artifact #580. canonical_hint=document_reproduction; text_hash=1896d03368766ed4405b44a2e4774a8d7800754c31072a5d4205cb68c03a0a67; excerpt="Fax Fee | $ 1.00 per page sent" · Source
Statement Copy Fee$5Within the typical range ($2–$5 nationally)
$2 above the national median$2 above the New Mexico median
per month · Source
Statement Copy Fee$3Within the typical range ($2–$5 nationally)
At the national medianAt the New Mexico median
per month · Source
Loan Processing Fee$75Within the typical range ($25–$100 nationally)
$37.50 above the national median$40.75 above the New Mexico median
Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Monthly Service Fee	$0Below the typical range ($4–$10 nationally)	$6 below the national median$5 below the New Mexico median	per month	—	Source
Dormant Account Fee	$5Within the typical range ($5–$10 nationally)	At the national medianAt the New Mexico median	per month	—	Source
Acct Reconciliation or Research Fee	$20Within the typical range ($12–$25 nationally)	$2.50 above the national median$2.50 above the New Mexico median	—	—	Source
Return Mail Fee	$5Below the typical range ($12–$25 nationally)	$12.50 below the national median$12.50 below the New Mexico median	—	Knox extract.rules v33 categorized a line held for review from Rosetta artifact #580. canonical_hint=account_research; text_hash=1896d03368766ed4405b44a2e4774a8d7800754c31072a5d4205cb68c03a0a67; excerpt="Return Mail Fee \| $ 5.00"	Source
Paper Statement Service	$5Above the typical range ($2–$4.93 nationally)	$2 above the national medianAt the New Mexico median	per month	—	Source
Overdraft & NSFVerified
Overdraft Courtesy Pay Fee	$35Above the typical range ($25–$33 nationally)	$5 above the national median$5 above the New Mexico median	per item	—	Source
NSF Check Fee	$25
ATM & CardVerified
Card Replacement Fee	$15Above the typical range ($5–$10 nationally)	$5 above the national median$5 above the New Mexico median	per item	—	Source
Wire TransfersVerified
Wire Fee: Outgoing	$25Within the typical range ($20–$25 nationally)	At the national median$5 above the New Mexico median	per item	—	Source
Check ServicesVerified
Cashier's Checks	$5Within the typical range ($3–$6 nationally)	At the national medianAt the New Mexico median	per item	—	Source
Money Order Fee	$1.50
Digital & ElectronicVerified
ACH Origination Fee (non-recurring)	$10Within the typical range ($5–$20 nationally)	At the national median$2.50 above the New Mexico median	per item	—	Source
Cash & DepositVerified
Return Item Fee	$10Within the typical range ($8–$25 nationally)	$5 below the national medianAt the New Mexico median	—	—	Source
Account ServicesVerified
Notary Fee	$0Within the typical range ($0–$5 nationally)	$2.50 below the national median$5 below the New Mexico median	—	—	Source
Lending FeesVerified
Late Payment Fee	$25Within the typical range ($10–$25 nationally)	$5 above the national median$10 above the New Mexico median	—	—	Source
Retirement & IRAVerified
IRA Maintenance Fee	$25Within the typical range ($10–$25 nationally)	$10 above the national medianAt the New Mexico median	per year	—	Source
Vehicle & TitleVerified
Vehicle Title/Registration Fee	$50Above the typical range ($15–$49.34 nationally)	$25 above the national median	—	—	Source
Other FeesVerified
Fed Ex Overnight Delivery	$90Above the typical range ($20–$40 nationally)	$60 above the national median	per item	—	Source
Fax Fee	$1

Against Dallas Fed district credit unions

Its state has too few comparable institutions, so these are its Fed district peers.

Overdraft
$35.00
Of 131 others that publish it, 116 lower, 14 the same and 1 higher.
Monthly maintenance
$0.00
Of 83 others that publish it, 0 lower, 10 the same and 73 higher.

See every headline fee against its local competitors

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$35

Overdraft fee: $35

17% above the national median overdraft fee

25 verified fees collected

Headline fees published

9 of 15

Published fees

Under review

Assets

$60.8M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · NCUA call report

Total assets

$60.8M

Total deposits

$52.3M

Service charge income (year to date)

$171K

Fee income ratio

8.9%

Return on assets

-0.40%

Financial profile · Pro

Performance from regulator filings

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Based on 65,408 published fee entries from 3,595 institutions

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