Compared with Texas
8 of 22
compared fees are above the median.
8 below, 6 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
21st percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 22 compared; 8 below, 6 about the same
See the feesFee schedule read Oct 25, 2026
Call-report figures are for Members Choice 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. | Members Choice Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 25, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.1% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (21st 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 $590K in Q2 2026, 3.0% below the same quarter a year earlier ($608K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 22 compared published fees sit above the Texas median; 8 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.
NSF / Returned Item
Compared at $20, the middle of its prices
Overdraft (OD)
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 5.1% from Q3 2025 to Q2 2026, to $590K. Its share of revenue, 5.1%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$590K
Members Choice 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.
Members Choice Federal Credit Union · $721M 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Members Choice Federal Credit Union(this institution) | Houston, TX | $721M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alliance Catholic Federal Credit Union | Farmington Hills, MI | $719M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| America'S Credit Union, A | DuPont, WA | $710M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Apl Federal Credit Union | Laurel, MD | $724M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Arizona Central Federal Credit Union | Phoenix, AZ | $733M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Armco Federal Credit Union | Butler, PA | $719M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bmi Federal Credit Union | Dublin, OH | $732M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cornerstone Community Federal Credit Union | Lockport, NY | $730M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Department Of Commerce Federal Credit Union | Washington, DC | $739M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Choice America Community Federal Credit Union | Weirton, WV | $714M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Citizens' Federal Credit Union | Fairhaven, MA | $706M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Generations Community Federal Credit Union | San Antonio, TX | $735M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greater Iowa Federal Credit Union | Ames, IA | $715M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heartland Federal Credit Union | Hutchinson, KS | $726M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Legacy Community Federal Credit Union | Birmingham, AL | $727M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lokahi Federal Credit Union | Honolulu, HI | $702M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mainstreet Federal Credit Union | Lenexa, KS | $703M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mass. Institute Of Tech. Federal Credit Union | Lexington, MA | $731M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Meridian Trust Federal Credit Union | Cheyenne, WY | $731M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mypoint Federal Credit Union | San Diego, CA | $705M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northland Area Federal Credit Union | Alpena, MI | $714M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Primeway Federal Credit Union | Houston, TX | $736M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sharefax Federal Credit Union | Cincinnati, OH | $721M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Superior Choice Federal Credit Union | Superior, WI | $730M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Umassfive College Federal Credit Union | Hadley, MA | $703M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Uncle Federal Credit Union | Livermore, CA | $716M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7 among 16 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 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Members Choice 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 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Members Choice 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 | $590K | −$17K | −2.8% |
| Q1 2026 | $607K | −$2K | −0.3% |
| Q4 2025 | $609K | −$13K | −2.1% |
| Q3 2025 | $622K | +$14K | +2.3% |
| Q2 2025 | $608K | +$10K | +1.7% |
| Q1 2025 | $598K | −$56K | −8.6% |
| Q4 2024 | $654K | +$47K | +7.7% |
| Q3 2024 | $607K | +$16K | +2.7% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Members Choice 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 Members Choice Federal Credit Union by share.
Amounts from Members Choice Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Account Reconciliation ......................................$10.00 per hour
per hour · Research Fee ......................................................... $25.00/hour
per month
per item
per item
per item
per month
per item
per item
per item
per hour · Legal Processing / Research........................................ $25/hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closed Membership (within 3 months) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation | $10Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation ......................................$10.00 per hour |
| Research Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | Research Fee ......................................................... $25.00/hour |
| Paper Statement Fee | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Returned Mail Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Cashier’s Check: Overdraft | $32Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft fee | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds (ACH) | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Item Fee (Member account) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Item Fee (Non-member Account) | $10Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Item Fee (Non-profit account) | $5Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer (From savings or LOC) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement Fee | $5Not compared: Monthly charge, not per item | per month | None |
Wire Transfers | |||
| Wire Transfer Fee (Outgoing): Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fee (Outgoing): Online Domestic | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fee (Outgoing): International | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check: Member | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Fee | $28Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Check (8 checks excludes new accounts) | $3Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Collection Items: Domestic | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Cancelled Check Copy: Additional | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Cancelled CU Check Copy (must be in writing) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay for Personal Accounts | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Notary for Non-members (Each stamp) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Legal Documents Replaced (1099, etc.) | $10Below the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Legal Processing / Research | $25Not compared: Charged per hour; comparison unavailable | per hour | Legal Processing / Research........................................ $25/hour |
| Verification of Deposit on Letterhead (Written) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Computer Statement Copy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Research Copy Fee | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Returned Loan Payments | $28Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 25, 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 Members Choice Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
9 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Houston, TX | 4 |
| Katy, TX | 3 |
| Austin, TX | 1 |
| Lake Jackson, 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.