Compared with Texas
4 of 22
compared fees are above the median.
13 below, 5 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
99th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 22 compared; 13 below, 5 about the same
See the feesFee schedule read Nov 4, 2026
Call-report figures are for First Central 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. | First Central Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 4, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 34% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (99th 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 $1.4M in Q2 2026, 2.6% above the same quarter a year earlier ($1.4M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 22 compared published fees sit above the Texas median; 13 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.
Monthly Maintenance
Compared at $4, the middle of its prices
Non-Network ATM
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 rose 1.1% from Q3 2025 to Q2 2026, to $1.4M. Its share of revenue, 34%, is above the 7.2% median for credit unions with under $300M in assets.
$1.4M
First Central 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.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $3 to $10; we compare the midpoint.
First Central Federal Credit Union · $192M in assets
Banks and credit unions in the Waco, TX metro
Banks and credit unions with branches in the Waco, TX metro: the local competitors for deposits and customers. They range from $4M 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).
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Central Federal Credit Union(this institution) | Waco, TX | $192M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Acadiana Medical Federal Credit Union | Lafayette, LA | $14M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Bank of America, National Association | Charlotte, NC | $2.7T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Classic Bank, National Association | Cameron, TX | $657M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Educators Federal Credit Union | Waco, TX | $610M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Extraco Banks, National Association | Temple, TX | $2.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Guaranty Bank | Hammond, LA | $3.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fontana Federal Credit Union | Fontana, CA | $17M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Heart O' Texas Federal Credit Union | Waco, TX | $55M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Highway District 9 Federal Credit Union | Waco, TX | $4M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| JPMorgan Chase Bank, National Association | Columbus, OH | $4.1T | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Linkage Federal Credit Union | Waco, TX | $18M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Matagorda County Federal Credit Union | Bay City, TX | $36M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mclennan County Employees Federal Credit Union | Waco, TX | $22M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mcmurrey Federal Credit Union | Tyler, TX | $22M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Members Choice Of Central Texas Federal Credit Union | Waco, TX | $213M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pba Federal Credit Union | Pine Bluff, AR | $11M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| PNC Bank, National Association | Wilmington, DE | $609.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southern Teachers & Parents Federal Credit Union | Baton Rouge, LA | $29M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| SouthState Bank, National Association | Winter Haven, FL | $68.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texell Federal Credit Union | Temple, TX | $801M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Huntington National Bank | Columbus, OH | $283.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wells Fargo Bank, National Association | Sioux Falls, SD | $1.9T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
22 peers selected · 13 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $4, the middle of its four prices, against a peer median of $10.25 among 13 publishing peers.
Its four checking prices are $3, $3, $5 and $10.
$4 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 3, 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.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for First Central 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 | $1.4M | +$36K | +2.6% |
| Q1 2026 | $1.4M | −$36K | −2.5% |
| Q4 2025 | $1.4M | +$16K | +1.1% |
| Q3 2025 | $1.4M | +$21K | +1.5% |
| Q2 2025 | $1.4M | +$50K | +3.7% |
| Q1 2025 | $1.4M | −$35K | −2.5% |
| Q4 2024 | $1.4M | −$51K | −3.5% |
| Q3 2024 | $1.4M | +$53K | +3.8% |
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, First Central 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 First Central Federal Credit Union by share.
Amounts from First Central Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| InControl Checking Monthly service fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service charge | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Early Account Closure | $20Inside the U.S. middle 50% ($10 to $25 nationally) | one time | None |
| Account Research / Balancing Assistance per hour/one hour minimum | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Withdrawals in excess of 4 per month (excludes IRA Accounts) per transaction-in branch & ITM served | $3Not compared: CD/IRA fee | per item | None |
| Money Market (First Fund) withdrawal limit fee | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Returned Mail - Tax Document/Certified Mail/Statement per item (Returned Statements 1 fee/per 3 months) | $5Not compared: Per-item charge, not monthly | per item | None |
ATM & Card | |||
| Foreign ATM (ATM not owned by First Central CU) per transaction/non-monetary | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM/Debit Visa Card Replacement | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| FedEx Delivery and Overnight card or PIN/overnight card or PIN | $25Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire – Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Money Order of Money Order per item | $1Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment ACH-Account-FCCU Check (90 day waiting period) | $27Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks per page-4 per page | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing < /1% > | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Item per item-incoming and outgoing | $15Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Cashier Check/Copy of Cashier Check payable to 3rd party/per item | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Cashier Check/Copy of Cashier Check payable to 3rd per item | $4Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Cleared Check per item | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Money Order/Copy of Money Order per item | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Returned Checks Cashed or Deposit item per item-made payable to yourself | $10Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary per page/per additional signature | $6Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Notary Service | $1Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Key Deposit/Lost Key | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Boxes: 3x5/3x10/5x10/10x10/annual fee | $17.50Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment or Levy process | $50Inside the U.S. middle 50% ($30 to $85.63 nationally) | Not stated | None |
Lending Fees | |||
| Small personal loan application fee | $20Below the U.S. middle 50% ($20.15 to $96.25 nationally) | one time | None |
Retirement & IRA | |||
| IRA Rollover Withdrawal | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| FedEx Delivery and Overnight delivery/overnight | $25Inside the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Account Statement Reprints per printout | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Fax or Photo Copy per page | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Skip-A-Pay per loan | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Small personal loan application fee | $20Inside the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
Nov 4, 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 First Central Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
6 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
| Waco, TX | 4 |
| Brownwood, TX | 1 |
| Hillsboro, TX | 1 |
Largest competitors nearby
Local market: McLennan county, TX, around its headquarters.
| 32 in its local market | Deposit share |
|---|---|
| First National Bank of Central Texas | 15.5% |
| The First National Bank of McGregor | 11.4% |
| Alliance Bank Central Texas | 9% |
| Central National Bank | 8.9% |
| Extraco Banks, National Association | 8% |
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.