Compared with Texas
11 of 23
compared fees are above the median.
9 below, 3 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
76th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 23 compared; 9 below, 3 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for Texas Bay 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 569 credit unions with $300M to $1B 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. | Texas Bay Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 11% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (76th 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 $2.0M in Q2 2026, 13% above the same quarter a year earlier ($1.7M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
11 of 23 compared published fees sit above the Texas median; 9 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
Compared at $1.75, the middle of its prices
Monthly Maintenance
Compared at $8, the middle of its prices
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 5.3% from Q3 2025 to Q2 2026, to $2.0M. Its share of revenue, 11%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$2.0M
Texas Bay 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 569 credit unions with $300M to $1B 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 $0.50 to $3; we compare the midpoint. Monthly maintenance: Listed at $6 to $10; we compare the midpoint.
Texas Bay Federal Credit Union · $905M 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 |
|---|---|---|---|---|---|---|---|
| Texas Bay Federal Credit Union(this institution) | Houston, TX | $905M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Abnb Federal Credit Union | Chesapeake, VA | $914M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| All One Federal Credit Union | Leominster, MA | $881M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Campus Federal Credit Union | Baton Rouge, LA | $936M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cedar Point Federal Credit Union | Lexington Park, MD | $906M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Central One Federal Credit Union | Shrewsbury, MA | $872M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Certified Federal Credit Union | El Monte, CA | $925M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community Choice Federal Credit Union | Johnston, IA | $923M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Community First Federal Credit Union | Santa Rosa, CA | $921M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Resource Federal Credit Union | Baytown, TX | $930M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Communitywide Federal Credit Union | South Bend, IN | $874M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Day Air Federal Credit Union | Kettering, OH | $909M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gather Federal Credit Union | Lihue, HI | $934M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Granite Federal Credit Union | Salt Lake City, UT | $918M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hoosier Hills Federal Credit Union | Bedford, IN | $938M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hope Federal Credit Union | Jackson, MS | $881M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Members First Federal Credit Union | Midland, MI | $905M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Merced School Employees Federal Credit Union | Merced, CA | $899M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| N C P D Federal Credit Union | Plainview, NY | $909M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Numark Federal Credit Union | Joliet, IL | $932M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nutmeg State Financial Federal Credit Union | Rocky Hill, CT | $916M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oceanair Federal Credit Union | Oxnard, CA | $882M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pelican Federal Credit Union | Baton Rouge, LA | $885M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pfcu Federal Credit Union | Portland, MI | $873M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sun Community Federal Credit Union | El Centro, CA | $896M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sun East Federal Credit Union | Aston, PA | $909M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $8, the middle of its three prices, against a peer median of $7.95 among 11 publishing peers.
Its three checking prices are $6, $8 and $10.
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 Texas Bay 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 | $2.0M | +$147K | +8.1% |
| Q1 2026 | $1.8M | −$108K | −5.6% |
| Q4 2025 | $1.9M | +$60K | +3.2% |
| Q3 2025 | $1.9M | +$130K | +7.5% |
| Q2 2025 | $1.7M | +$10K | +0.6% |
| Q1 2025 | $1.7M | −$3K | −0.2% |
| Q4 2024 | $1.7M | −$8K | −0.5% |
| Q3 2024 | $1.7M | +$31K | +1.8% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Texas Bay 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 Texas Bay Federal Credit Union by share.
Amounts from Texas Bay Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per transaction
per transaction
per item
per item
per item
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per item
per item
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per year
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly fee if the minimum balance falls below $100 | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closure (if closed within 6 months) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Reconciliation/Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Share Draft Printing: Varies: Statement Fee for Paper Statements | $1Below the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Excessive Withdrawals - Money Fund Accounts | $10Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Protection | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Balance Inquiry Fee at Non-TBCU ATMs | $0.50Below the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| ATM Transaction Fee at all other ATMs | $3Above the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Debit Card Rush Fee – 2 Day | $45Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Bank Wire Transfer: International | $40Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s/Certified Checks | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Page: Stop Payment Request | $29Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Share Draft Temporary Checks | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing Fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Item | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Copy of Share Draft | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Returned Deposit Item | $29Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Replacement Key | $150Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 3x10 | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x5 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x10 | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Legal Processing | $30Below the U.S. middle 50% ($50 to $150 nationally) | per item | None |
| Verification of Deposits/Loans (written) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Other Fees | |||
| Statement Copies | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Skip-A-Payment Processing Fee | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Nov 3, 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 Texas Bay Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
10 offices in 1 state (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Houston, TX | 4 |
| Cypress, TX | 1 |
| Katy, TX | 1 |
| League City, TX | 1 |
| Pasadena, TX | 1 |
| Pearland, TX | 1 |
| Richmond, 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.