Compared with Texas
6 of 14
compared fees are above the median.
6 below, 2 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
55th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 14 compared; 6 below, 2 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for First 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) 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. | First Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.0% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (55th 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 $3.3M in Q2 2026, 19% below the same quarter a year earlier ($4.1M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 14 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.
Deposited Item Return
Compared at $18.50, the middle of its prices
Stop Payment
Paper Statement
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 fell 12% from Q3 2025 to Q2 2026, to $3.3M. Its share of revenue, 7.0%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$3.3M
First Community 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.
First Community Federal Credit Union · $3.1B 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Community Federal Credit Union(this institution) | Houston, TX | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Achieva Credit Union | Dunedin, FL | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Altra Federal Credit Union | Onalaska, WI | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Arkansas Federal Credit Union | Little Rock, AR | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Arrowhead Federal Credit Union | Rancho Cucamonga, CA | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chartway Federal Credit Union | Virginia Beach, VA | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Civic Federal Credit Union | Raleigh, NC | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Commonwealth Federal Credit Union | Frankfort, KY | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community First Credit Union of Flo | Jacksonville, FL | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Consumers Federal Credit Union | Oshtemo, MI | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union 1 | Lombard, IL | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Eastrise Federal Credit Union | Williston, VT | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Eglin Federal Credit Union | Fort Walton Beach, FL | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| F & A Federal Credit Union | Monterey Park, CA | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Florida Federal Credit Union | Gainesville, FL | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Gte Federal Credit Union | Tampa, FL | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Harborstone Federal Credit Union | Tacoma, WA | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hawaii State Federal Credit Union | Honolulu, HI | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lake Trust Federal Credit Union | Brighton, MI | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Metro Federal Credit Union | Chelsea, MA | $3.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pen Air Federal Credit Union | Pensacola, FL | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Premier America Federal Credit Union | Chatsworth, CA | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Rivermark Community Federal Credit Union | Oregon City, OR | $3.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Selco Community Federal Credit Union | Springfield, OR | $3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tennessee Valley Federal Credit Union | Chattanooga, TN | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Three Rivers Federal Credit Union | Fort Wayne, IN | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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
The peer median is $5 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 Nov 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
First Community 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 Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for First 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 | $3.3M | −$316K | −8.8% |
| Q1 2026 | $3.6M | −$314K | −8.0% |
| Q4 2025 | $3.9M | +$162K | +4.3% |
| Q3 2025 | $3.8M | −$320K | −7.8% |
| Q2 2025 | $4.1M | +$15K | +0.4% |
| Q1 2025 | $4.1M | +$195K | +5.0% |
| Q4 2024 | $3.9M | +$1.3M | +50.8% |
| Q3 2024 | $2.6M | −$1.1M | −29.9% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, First Community 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 First Community Federal Credit Union by share.
Amounts from First Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per hour
per month
per quarter
per month
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Minimum Balance Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Mortgage Payoff Research Fee | $25Inside the U.S. middle 50% ($6.44 to $25 nationally) | per item | None |
| Reconciliation of Account | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statements | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Incorrect Address | $5Not compared: Quarterly charge, not monthly | per quarter | None |
Overdraft & NSF | |||
| Overdraft Boost | $30Not compared: Monthly charge, not per item | per month | None |
ATM & Card | |||
| Replacement Card | $3.50Below the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Check Services | |||
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks (starter checks free) | $4.95Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Non-Member Check Cashing Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay (minimum of one payment per month required) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Mobile Deposit Capture | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Overdraft Privilege (ODP) (max of 8 fees per day): All other returned deposit items | $5Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Returned deposit items from member (self to self) | $32Above the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Charge to Drill Box | $200Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 3” x 10” x 22” | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3” x 5” x 22” | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5” x 10” x 22” | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 7” x 10” x 22” | $120Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Levies/Garnishments | $50Inside the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
| Account Verification | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Other Fees | |||
| Fees Above: Additional Copies of Statements | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopies | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 11, 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 First Community Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
14 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
| Houston, TX | 4 |
| Katy, TX | 2 |
| Richmond, TX | 2 |
| Cypress, TX | 1 |
| Magnolia, TX | 1 |
| Missouri City, TX | 1 |
| Spring, TX | 1 |
| Sugar Land, 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
We check once a day and send one email covering every change.