Compared with Texas
6 of 16
compared fees are above the median.
6 below, 4 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 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 16 compared; 6 below, 4 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for Concho Valley 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 2,932 credit unions with under $300M 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. | Concho Valley Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.9% of revenue, above the 7.2% median of 2,932 credit unions with under $300M 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 $26K in Q2 2026, 4.0% above the same quarter a year earlier ($25K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 16 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.
OD Protection Transfer
Compared at $2, the middle of its prices
NSF / Returned Item
Wire Transfer (Domestic Out)
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 3.7% from Q3 2025 to Q2 2026, to $26K. Its share of revenue, 7.9%, is above the 7.2% median for credit unions with under $300M in assets.
$26K
Concho Valley 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 2,932 credit unions with under $300M in assets, Q2 2026.
Concho Valley Federal Credit Union · $26M 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 |
|---|---|---|---|---|---|---|---|
| Concho Valley Federal Credit Union(this institution) | San Angelo, TX | $26M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Beverly Municipal Federal Credit Union | Beverly, MA | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Center City Community Federal Credit Union | Buena Park, CA | $26M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central Illinois Federal Credit Union | Champaign, IL | $26M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Construction Federal Credit Union | Bingham Farms, MI | $26M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| County Federal Credit Union | Clayton, MO | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dillard'S Federal Credit Union | Little Rock, AR | $25M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dowagiac Area Federal Credit Union | Dowagiac, MI | $26M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Elite Community Federal Credit Union | Bourbonnais, IL | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Energize Federal Credit Union | Oklahoma City, OK | $25M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Family Community Federal Credit Union | Charles City, IA | $26M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Farm Bureau Family Federal Credit Union | Lansing, MI | $27M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Healthcare Services Federal Credit Union | Chattanooga, TN | $26M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Howard County Education Federal Credit Union | Ellicott City, MD | $25M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Jersey Central Federal Credit Union | Cranford, NJ | $25M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Legacy Federal Credit Union | Joplin, MO | $25M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Lockport Schools & Community Federal Credit Union | Lockport, NY | $26M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Michigan Coastal Federal Credit Union | Muskegon, MI | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Onomea Federal Credit Union | Papaikou, HI | $26M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| P & S Federal Credit Union | Salt Lake City, UT | $25M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Racine Municipal Employees Federal Credit Union | Racine, WI | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Reliance Federal Credit Union | Kansas City, KS | $25M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 |
| The Local Federal Credit Union | Dallas, TX | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Westside Community Federal Credit Union | Churchville, NY | $26M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Worcester Police Department Federal Credit Union | Worcester, MA | $25M | 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 · 12 publish this fee(out-of-network atm)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1 among 12 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 1, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Concho Valley Federal Credit Union does not publish an out-of-network atm 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 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Concho Valley 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 | $26K | +$1K | +4.0% |
| Q1 2026 | $25K | −$2K | −7.4% |
| Q4 2025 | $27K | $0 | 0.0% |
| Q3 2025 | $27K | +$2K | +8.0% |
| Q2 2025 | $25K | −$1K | −3.8% |
| Q1 2025 | $26K | +$1K | +4.0% |
| Q4 2024 | $25K | $0 | 0.0% |
| Q3 2024 | $25K | $0 | 0.0% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Concho Valley 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 Concho Valley Federal Credit Union by share.
Amounts from Concho Valley Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per page · Temporary Checks | $1.00 per page (4 checks)
per item
per page
per year
per year
per year
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure within 90 days opening | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheat Account Processing Fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Deposit Account (No Activity for 24 mos.) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Search or Reconciliation of account (Min. 1 hour) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Statements, Mail | $7.50Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Repost or Returned NSF | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Protection ( Manually from other shares) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Overdraft Protection (Automatically from Shares) | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Replacement Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire out | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier Check | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Teller Checks after 3 per month | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| On Line Bill Pay Stop Payments | $27.50Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment (Checks or ACH) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $1Not compared: Charged per page; comparison unavailable | per page | Temporary Checks | $1.00 per page (4 checks) |
| Copy of Check | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of member's checks to be deposited or cashed | $1Not compared: Charged per page; comparison unavailable | per page | None |
| On Line Bill Pay Check Copies or Electronic Item Trace | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| On line Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash Advance- Non -members | 1%of the advance ($2 minimum) | Not stated | None |
| Cash Advance- Non -members (audience not stated, treated as personal) | 1%of the advance ($2 minimum) | Not stated | None |
Account Services | |||
| Safe Deposit – Drill Box | $350Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box – Duplicate Key Made | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10 X 10 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 X 10 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 X10 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment/Levy | $25Below the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Gift Card | $1.95Below the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Outgoing Fax | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Skip A Payment | $20Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 31, 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 Concho Valley Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| San Angelo, TX | 1 |
Largest competitors nearby
Local market: Tom Green county, TX, around its headquarters.
| 20 in its local market | Deposit share |
|---|---|
| First Financial Bank | 32.9% |
| Wells Fargo Bank, National Association | 14.5% |
| Texas State Bank | 11% |
| The First National Bank of Sonora | 9.4% |
| The First National Bank of Mertzon | 7.1% |
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.