West Texas Federal Credit Union

Headquarters: Odessa, Texas
Charter: Credit Union
Assets: $70.3M
Fed district: Dallas
Regulator: NCUA

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

Source: its fee schedule, read Nov 3, 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 3, 2026

How these figures are measured

Call-report figures are for West Texas 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.	West Texas 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

Details

Source: NCUA 5300 call report
Entity: West Texas 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 $218K in Q2 2026, 2.3% above the same quarter a year earlier ($213K).
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
Compared at $8, the middle of its prices
West Texas Federal Credit Union: $6 to $10
West Texas Federal Credit Union: $6 to $10
U.S. median: no median
Overdraft (OD)
West Texas Federal Credit Union: $30
West Texas Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
West Texas Federal Credit Union: $1
West Texas Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

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.

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).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas 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 4.4% from Q3 2025 to Q2 2026, to $218K.

Fee income, Q2 2026

$218K

$228KQ3 2025

$235KQ4 2025

$209KQ1 2026

$218KQ2 2026

Against the median

West Texas 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

West Texas Federal Credit Union · $70M 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.

Credit unions only
$68M to $72M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
West Texas Federal Credit Union(this institution)	Odessa, TX	$70M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Access Federal Credit Union	Bristol, PA	$70M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Alcoa Community Federal Credit Union	Benton, AR	$70M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Beacon Community Federal Credit Union	Louisville, KY	$72M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Benton County Schools Federal Credit Union	Corvallis, OR	$69M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Ep Federal Credit Union	Washington, DC	$71M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Firefighters Federal Credit Union	Draper, UT	$70M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Friendly Federal Credit Union	Aliquippa, PA	$69M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Greater Niagara Federal Credit Union	Niagara Falls, NY	$70M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Healthcare Plus Federal Credit Union	Aberdeen, SD	$70M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Jeep Country Federal Credit Union	Holland, OH	$72M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kh Credit Union, Inc.	Dayton, OH	$71M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kings Peak Federal Credit Union	Roosevelt, UT	$68M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Latitude 32 Federal Credit Union	Charleston, SC	$70M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Maple Federal Credit Union	Lafayette, LA	$72M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Middle Tennessee Federal Credit Union	Cookeville, TN	$71M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Midwest Regional Federal Credit Union	Kansas City, KS	$72M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Parishioners Federal Credit Union	Torrance, CA	$70M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Rocket City Federal Credit Union	Huntsville, AL	$69M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Scott And White Employees Federal Credit Union	Temple, TX	$72M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
South Texas Federal Credit Union	McALLEN, TX	$69M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Star Of Texas Federal Credit Union	austin, TX	$72M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Stoneham Municipal Employees Federal Credit Union	Stoneham, MA	$70M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Tahquamenon Area Federal Credit Union	Newberry, MI	$70M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Universal City Studios Federal Credit Union	Burbank, CA	$72M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Wheatland Federal Credit Union	Lancaster, PA	$70M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $2 (33%) above the median of similar-sized credit unions.

Compared at $8, the middle of its two prices, against a peer median of $6 among 9 publishing peers.

Its two checking prices are $6 and $10.

$8 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 Oct 26, 2026.

Monthly maintenance fee in dollars, one mark per institution

West Texas Federal Credit…: 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

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 26, 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 West Texas 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: $218K
vs prior quarter: +$9K+4.3%; from Q1 2026
vs a year earlier: +$5K+2.3%; from Q2 2025
vs start of range: −$4K−1.8%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: West Texas 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	$218K	+$9K	+4.3%
Q1 2026	$209K	−$26K	−11.1%
Q4 2025	$235K	+$7K	+3.1%
Q3 2025	$228K	+$15K	+7.0%
Q2 2025	$213K	+$23K	+12.1%
Q1 2025	$190K	−$23K	−10.8%
Q4 2024	$213K	−$9K	−4.1%
Q3 2024	$222K	+$10K	+4.7%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Monthly Service Fee$6
per month
Monthly Service Fee (suffix 77)$10
per month
Inactive Account Fee$5
Account Reconciliation Fee$10
Not compared: Charged per hour; comparison unavailable
per hour
Account Research Fee$10
Not compared: Charged per hour; comparison unavailable
per hour
Returned Mail/Bad Address Fee ( after 1st)$5

Overdraft & NSF

Courtesy Pay (per item)$30
per item

ATM & Card

ATM Inquiry Fee$1
ATM W/D Fee$1
Debit Card Replacement Fee$25

Wire Transfers

Wire Transfer Fee (outgoing)$25

Check Services

Teller Check Fee (no checking)$6
Teller Check Fee (with checking)$2
Stop Payment Fee (per item)$30
per item
Items sent for Collections$15

Digital & Electronic

ACH Origination Return Fee$35
Bill Pay Overnight Check (Physical Check)$14.95
Bill Pay Same Day Rush Payment (ACH)$9.95
Online Bill Pay ServicesNo charge

Cash & Deposit

Loan Payment or deposit (Cash Advance)$15
Deposit Item Return Fee (Each)$35
per item

Account Services

Annual Rental Fees (Key Deposit)$25
Not compared: Box drilling or key fee
per year
Processing Fee for Levy, Garnishment, or Notice of Freeze$30
Verification of Deposit Documentation Fee$2
per item

Lending Fees

Loan Late Fee5%($30 minimum)
Loan Late Fee (audience not stated, treated as personal)5%($30 minimum)

Gift & Prepaid Cards

Visa Gift Card Purchase Fee$3
per item

Other Fees

Fax Fee$2
Statement Copy Fee$10

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	$6	per month	None
Monthly Service Fee (suffix 77)	$10	per month	None
Inactive Account Fee	$5	Not stated	None
Account Reconciliation Fee	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research Fee	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Returned Mail/Bad Address Fee ( after 1st)	$5	Not stated	None
Overdraft & NSF
Courtesy Pay (per item)	$30	per item	None
ATM & Card
ATM Inquiry Fee	$1	Not stated	None
ATM W/D Fee	$1	Not stated	None
Debit Card Replacement Fee	$25	Not stated	None
Wire Transfers
Wire Transfer Fee (outgoing)	$25	Not stated	None
Check Services
Teller Check Fee (no checking)	$6	Not stated	None
Teller Check Fee (with checking)	$2	Not stated	None
Stop Payment Fee (per item)	$30	per item	None
Items sent for Collections	$15	Not stated	None
Digital & Electronic
ACH Origination Return Fee	$35	Not stated	None
Bill Pay Overnight Check (Physical Check)	$14.95	Not stated	None
Bill Pay Same Day Rush Payment (ACH)	$9.95	Not stated	None
Online Bill Pay Services	No charge	Not stated	None
Cash & Deposit
Loan Payment or deposit (Cash Advance)	$15	Not stated	None
Deposit Item Return Fee (Each)	$35	per item	None
Account Services
Annual Rental Fees (Key Deposit)	$25Not compared: Box drilling or key fee	per year	None
Processing Fee for Levy, Garnishment, or Notice of Freeze	$30	Not stated	None
Verification of Deposit Documentation Fee	$2	per item	None
Lending Fees
Loan Late Fee	5%($30 minimum)	Not stated	None
Loan Late Fee (audience not stated, treated as personal)	5%($30 minimum)	Not stated	None
Gift & Prepaid Cards
Visa Gift Card Purchase Fee	$3	per item	None
Other Fees
Fax Fee	$2	Not stated	None
Statement Copy Fee	$10	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

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.

Fee change alerts

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

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