Compared with Texas
12 of 18
compared fees are above the median.
6 below, 0 about the same.
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
92nd percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 18 compared; 6 below, 0 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Credit Union of Texas, 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 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. | Credit Union of Texas'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 13% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (92nd 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 $7.4M in Q2 2026, 5.1% above the same quarter a year earlier ($7.1M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
12 of 18 compared published fees sit above the Texas median; 6 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 Texas medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Overdraft (OD)
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.
Fee income rose 1.6% from Q3 2025 to Q2 2026, to $7.4M. Its share of revenue, 13%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$7.4M
Credit Union of TexasMedian
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.
Credit Union of Texas · $2.6B 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Credit Union of Texas(this institution) | Allen, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| A+ Federal Credit Union | Austin, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Aberdeen Proving Ground Federal Credit Union | Aberdeen, MD | $2.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Abound Federal Credit Union | Radcliff, KY | $2.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Allegacy Federal Credit Union | Winston Salem, NC | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Altura Federal Credit Union | Riverside, CA | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| American Eagle Financial Federal Credit Union | East Hartford, CT | $2.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Andrews Federal Credit Union | Suitland, MD | $2.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Austin Telco Federal Credit Union | Austin, TX | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Connecticut State Employees Federal Credit Union | Hartford, CT | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Corning Federal Credit Union | Corning, NY | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union of Colorado, A | Denver, CO | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Dow Federal Credit Union | Midland, MI | $2.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Georgia United Federal Credit Union | Duluth, GA | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hawaiiusa Federal Credit Union | Honolulu, HI | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hughes Federal Credit Union | Tucson, AZ | $2.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jsc Federal Credit Union | Houston, TX | $2.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Kitsap Federal Credit Union | Bremerton, WA | $2.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| L & N Federal Credit Union | Louisville, KY | $2.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Partners Federal Credit Union | Burbank, CA | $2.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Polish & Slavic Federal Credit Union | Brooklyn, NY | $2.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| South Carolina Federal Credit Union | North Charleston, SC | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Texans Federal Credit Union | Richardson, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Together Federal Credit Union | Saint Louis, MO | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ttcu Federal Credit Union | Tulsa, OK | $2.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Y-12 Federal Credit Union | Oak Ridge, TN | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $6, against a peer median of $7.48 among 13 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
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.
Call reports for Credit Union of Texas (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 | $7.4M | +$585K | +8.6% |
| Q1 2026 | $6.8M | −$794K | −10.4% |
| Q4 2025 | $7.6M | +$325K | +4.5% |
| Q3 2025 | $7.3M | +$246K | +3.5% |
| Q2 2025 | $7.1M | +$323K | +4.8% |
| Q1 2025 | $6.7M | −$5.1M | −42.9% |
| Q4 2024 | $11.8M | +$4.9M | +72.0% |
| Q3 2024 | $6.9M | +$636K | +10.2% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Credit Union of Texas left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Credit Union of Texas by share.
Amounts from Credit Union of Texas’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per year
per year
per year
per year
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Secure Checking costs only Monthly service charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| MAILED PAPER STATEMENT FEE: g | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| PAID NON-SUFFICIENT FUNDS FEE (NSF): g | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| PRIVILEGE PAY OVERDRAFTING FEE: g | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| ACH/ATM NON-SUFFICIENT FUNDS FEE (NSF): g | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NON-SUFFICIENT FUNDS FEE (NSF): g | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Yes, overdraft sweep can have | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| NON-NETWORK ATM TRANSACTION FEE: g | $4Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement Fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| WIRE TRANSFER OUTGOING (Domestic) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Outgoing for Secure PLUS, Premier, and Mature Options Checking Accounts | $10Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Incoming for Secure PLUS, Premier, and Mature Options Checking Accounts | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| First set of temporary checks | No chargeBelow the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Temporary Checks | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| COLLECTION ITEM: g | $40Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| CHECK COPY: g | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Check Deposited Items Fee | $10Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Fee | $6Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| LOAN FEES: 3x10 Box | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| LOAN/LEASE/CREDIT CARD PAYMENT BY ONLINE/MOBILE USING: SAFE DEPOSIT BOX DRILLING FEE: g | $100Not compared: Box drilling or key fee | Not stated | None |
| LOAN/LEASE/CREDIT CARD PAYMENT BY PHONE USING DEBIT/ACH: 10x10 Box | $120Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x5 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| SAFE DEPOSIT BOX DELINQUENT FEE: g | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Administrative Legal Processing Fee | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Verification of Deposit | $20Not compared: Monthly charge, not per item | per month | None |
Other Fees | |||
| Statement Copy | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| LOAN PAYOFF REQUEST (REAL ESTATE LOANS): g | $15Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | 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 Credit Union of Texas operates, and what regulators and customers have on file.
Branch footprint
26 offices in 1 state (June 30, 2026)
Each dot is one office.
4 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Allen, TX | 3 |
| Gilmer, TX | 3 |
| Dallas, TX | 2 |
| Mckinney, TX | 2 |
| Richardson, TX | 2 |
| Bonham, TX | 1 |
| Desoto, TX | 1 |
| Frisco, TX | 1 |
Largest competitors nearby
Local market: Collin county, TX, around its headquarters.
| 100 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 22.1% |
| Bank of America, National Association | 13.5% |
| Wells Fargo Bank, National Association | 10.9% |
| Prosperity Bank | 8% |
| SouthState Bank, National Association | 6.3% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.