Ecu Federal Credit Union

Headquarters: Seminole, Florida
Charter: Credit Union
Assets: $34.1M
Fed district: Atlanta
Regulator: NCUA

27 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

Overview

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 Nov 2, 2026

How these figures are measured

Call-report figures are for Ecu 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.	Ecu Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Ecu Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $42K in Q2 2026, 8.7% below the same quarter a year earlier ($46K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Preferred Checking $5 to $6
Compared at $5.50, the middle of its prices
Ecu Federal Credit Union: $5 to $6
Ecu Federal Credit Union: $5 to $6
U.S. median: no median
Overdraft (OD)
Ecu Federal Credit Union: $30
Ecu Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Ecu Federal Credit Union: $20
Ecu Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income fell 6.7% from Q3 2025 to Q2 2026, to $42K.

Fee income, Q2 2026

$42K

$45KQ3 2025

$48KQ4 2025

$43KQ1 2026

$42KQ2 2026

Against the median

Ecu Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

ECU Federal Credit Union · $34M in assets

Banks and credit unions in the Houston-Pasadena-The Woodlands, TX metro

Banks and credit unions with branches in the Houston-Pasadena-The Woodlands, TX metro: the local competitors for deposits and customers. They range from $685K to $4.1T in assets, so compare prices here, not size.

Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).

Banks and credit unions
$685K to $4.1T in assets
Headquartered in 23 states

Showing the 50 closest in assets of 125 peers; medians use all 125.

See the 50 institutions shown

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
ECU Federal Credit Union(this institution)	Seminole, FL	$34M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Anahuac National Bank	Anahuac, TX	$266M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Associated Credit Union of Texas	League City, TX	$588M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bayer Heritage Federal Credit Union	New Martinsville, WV	$801M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bayou City Federal Credit Union	Houston, TX	$24M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Beacon Federal Credit Union	La Porte, TX	$215M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bp Federal Credit Union	Houston, TX	$124M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Brazos National Bank	Richwood, TX	$28M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Capital Bank	Jacinto City, TX	$690M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Chemcel Federal Credit Union	Bishop, TX	$184M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Chocolate Bayou Community Federal Credit Union	Alvin, TX	$158M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
City Of Deer Park Federal Credit Union	Deer Park, TX	$7M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Coastal Community Federal Credit Union	Galveston, TX	$93M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Common Cents Federal Credit Union	Beaumont, TX	$34M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cy-Fair Federal Credit Union	Houston, TX	$383M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dugood Federal Credit Union	Beaumont, TX	$609M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Empowerment Community Development Federal Credit Union	Houston, TX	$685K	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Energy Capital Federal Credit Union	Houston, TX	$261M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Essential Federal Credit Union	Baton Rouge, LA	$434M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Eagle Federal Credit Union	Owings Mills, MD	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First State Bank of Livingston	Livingston, TX	$689M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Galveston Government Employees Federal Credit Union	Dickinson, TX	$7M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Germania Federal Credit Union	Brenham, TX	$19M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Gulf Capital Bank	Houston, TX	$596M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Harris County Federal Credit Union	Houston, TX	$223M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Houston Texas Fire Fighters Federal Credit Union	Houston, TX	$401M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
I.B.E.W. Lu 66 Federal Credit Union	Pasadena, TX	$12M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Investex Federal Credit Union	Humble, TX	$245M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
Light Commerce Federal Credit Union	Houston, TX	$5M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Local 24 Employees Federal Credit Union	Pasadena, TX	$14M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Lubrizol Employees' Federal Credit Union	Deer Park, TX	$51M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Members Choice Federal Credit Union	Houston, TX	$721M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members Trust Of The Southwest Federal Credit Union	Houston, TX	$274M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Membersource Federal Credit Union	Houston, TX	$196M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Memorial Federal Credit Union	Houston, TX	$84M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Nizari Progressive Federal Credit Union	Sugar Land, TX	$505M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Old Ocean Federal Credit Union	Sweeny, TX	$42M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
P.I.E. Federal Credit Union	Houston, TX	$12M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Port Arthur Community Federal Credit Union	Port Arthur, TX	$20M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Primeway Federal Credit Union	Houston, TX	$736M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Priority Trust Federal Credit Union	Houston, TX	$191M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Shared Resources Federal Credit Union	Pasadena, TX	$25M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
SouthTrust Bank, N.A.	George West, TX	$579M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Suma Federal Credit Union	Yonkers, NY	$468M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Synergy Federal Credit Union	San Antonio, TX	$334M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
U. S. Employees Federal Credit Union	Tomball, TX	$86M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Union Fidelity Federal Credit Union	Houston, TX	$28M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
United Community Federal Credit Union	Houston, TX	$128M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
United Energy Federal Credit Union	Humble, TX	$30M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

125 peers selected · 78 publish this fee(monthly maintenance)

47 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $3.75 (41%) below the median of local competitors.

Compared at $5.50, the middle of its two prices, against a peer median of $9.25 among 78 publishing peers.

Its two checking prices are $5 and $6.

$5.50 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 Nov 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

ECU Federal Credit Union: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee, among the 50 peers shown

Hamilton is the Fee Insight workspace for pricing teams.

Compare local deposit competitors in Hamilton

Source: Bank Fee Index, published fee schedules, as of Nov 4, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Ecu Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $42K
vs prior quarter: −$1K−2.3%; from Q1 2026
vs a year earlier: −$4K−8.7%; from Q2 2025
vs start of range: −$9K−17.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Ecu Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$42K	−$1K	−2.3%
Q1 2026	$43K	−$5K	−10.4%
Q4 2025	$48K	+$3K	+6.7%
Q3 2025	$45K	−$1K	−2.2%
Q2 2025	$46K	−$7K	−13.2%
Q1 2025	$53K	+$1K	+1.9%
Q4 2024	$52K	+$1K	+2.0%
Q3 2024	$51K	−$3K	−5.6%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Ecu Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

MINIMUM BALANCE REQUIREMENT Monthly Service fee$5
per month
NO MINIMUM BALANCE REQUIREMENT Monthly Service fee$6
per month
Below Minimum Balance$5
Dormant Account Fee(2 Years of No Activity)$10
Escheatment$100
IRA Inactive Fee (assessed after12 months of no activity)$5
Not compared: CD/IRA fee
Account Research/Reconciliation Fee$25
Paper Statement$1
Bad Address Fee$5

Overdraft & NSF

Courtesy Pay Paid Overdrafts$30
Overdraft Protection AutoTransfer from Share Acct$5

ATM & Card

Visa Lost Card Fee$5
Rush Order for Card or PIN$50

Wire Transfers

Wire Outgoing Fee Domestic$20
Wire Incoming Domestic$10
Wire Incoming Foreign$10

Check Services

Cashier Check Fee$3
Teller Check to a Third Party$1
Stop Payment Debit Card Item$35
Stop Payment Fee$30
Non‐Member Check Cashing$3
Foreign Item Collection$10
Items Sent for Collection$25
Copy (Check, Statement)$3

Digital & Electronic

Same Day ACH$5
Internet Banking/ Bill Pay ServiceNo charge

Cash & Deposit

Returned Deposit or Payment(item issued by member)$30

Account Services

Garnishments, Levies,Legal Notices$50
Verification of Deposit Fee$10

Lending Fees

Late Fee$25

Retirement & IRA

IRA Outgoing Transfer$25

Gift & Prepaid Cards

Gift Card Issuance Fee$3

Other Fees

Copy of Account History$1.50
Visa Statement Copy$3

Fee	Amount	Basis	Note
Account Maintenance
MINIMUM BALANCE REQUIREMENT Monthly Service fee	$5	per month	None
NO MINIMUM BALANCE REQUIREMENT Monthly Service fee	$6	per month	None
Below Minimum Balance	$5	Not stated	None
Dormant Account Fee(2 Years of No Activity)	$10	Not stated	None
Escheatment	$100	Not stated	None
IRA Inactive Fee (assessed after12 months of no activity)	$5Not compared: CD/IRA fee	Not stated	None
Account Research/Reconciliation Fee	$25	Not stated	None
Paper Statement	$1	Not stated	None
Bad Address Fee	$5	Not stated	None
Overdraft & NSF
Courtesy Pay Paid Overdrafts	$30	Not stated	None
Overdraft Protection AutoTransfer from Share Acct	$5	Not stated	None
ATM & Card
Visa Lost Card Fee	$5	Not stated	None
Rush Order for Card or PIN	$50	Not stated	None
Wire Transfers
Wire Outgoing Fee Domestic	$20	Not stated	None
Wire Incoming Domestic	$10	Not stated	None
Wire Incoming Foreign	$10	Not stated	None
Check Services
Cashier Check Fee	$3	Not stated	None
Teller Check to a Third Party	$1	Not stated	None
Stop Payment Debit Card Item	$35	Not stated	None
Stop Payment Fee	$30	Not stated	None
Non‐Member Check Cashing	$3	Not stated	None
Foreign Item Collection	$10	Not stated	None
Items Sent for Collection	$25	Not stated	None
Copy (Check, Statement)	$3	Not stated	None
Digital & Electronic
Same Day ACH	$5	Not stated	None
Internet Banking/ Bill Pay Service	No charge	Not stated	None
Cash & Deposit
Returned Deposit or Payment(item issued by member)	$30	Not stated	None
Account Services
Garnishments, Levies,Legal Notices	$50	Not stated	None
Verification of Deposit Fee	$10	Not stated	None
Lending Fees
Late Fee	$25	Not stated	None
Retirement & IRA
IRA Outgoing Transfer	$25	Not stated	None
Gift & Prepaid Cards
Gift Card Issuance Fee	$3	Not stated	None
Other Fees
Copy of Account History	$1.50	Not stated	None
Visa Statement Copy	$3	Not stated	None

Correct a fee source

Nov 2, 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

Get an email when Ecu Federal Credit Union's safe deposit box changes in our data

We check once a day and send one email covering every change.