Compared with Texas
14 of 22
compared fees are above the median.
6 below, 2 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
75th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 22 compared; 6 below, 2 about the same
See the feesFee schedule read Oct 23, 2026
Call-report figures are for City 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. | City Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 23, 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 (75th 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 $1.1M in Q2 2026, 9.3% above the same quarter a year earlier ($1.0M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
14 of 22 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.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
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 was about level from Q3 2025 to Q2 2026, at $1.1M. Its share of revenue, 11%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$1.1M
City 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.
City Federal Credit Union · $630M 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 21 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| City Federal Credit Union(this institution) | Dallas, TX | $630M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Adventure Federal Credit Union | Grand Rapids, MI | $646M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Align Federal Credit Union | Lowell, MA | $651M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Beehive Federal Credit Union | Rexburg, ID | $648M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Central Willamette Federal Credit Union | Albany, OR | $618M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Co-Op Federal Credit Union | Black River Falls, WI | $627M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Coast360 Federal Credit Union | Maite, GU | $633M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Dugood Federal Credit Union | Beaumont, TX | $609M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 |
| Embers Federal Credit Union | Marquette, MI | $622M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Emblem Credit Union | Gadsden, AL | $628M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Evergreen Federal Credit Union | Portland, ME | $645M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Fedex Employees Credit Association Federal Credit Union | Memphis, TN | $641M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Floridacentral Federal Credit Union | Tampa, FL | $622M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| G.P.O. Federal Credit Union | New Hartford, NY | $630M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Homeland Federal Credit Union | Chillicothe, OH | $624M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| I.L.W.U. Federal Credit Union | Long Beach, CA | $608M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Inova Federal Credit Union | Elkhart, IN | $643M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Insight Federal Credit Union | Winter Springs, FL | $629M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Johns Hopkins Federal Credit Union | Baltimore, MD | $637M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Metro Credit Union | Omaha, NE | $646M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| National Police Federal Credit Union | Chicago, IL | $621M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Our Community Federal Credit Union | Shelton, WA | $638M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Partner Colorado Federal Credit Union | Arvada, CO | $644M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southpoint Financial Federal Credit Union | Sleepy Eye, MN | $609M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Town & Country Federal Credit Union | South Portland, ME | $621M | 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 · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5.50 among 10 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
City 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 City 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 | $1.1M | −$30K | −2.7% |
| Q1 2026 | $1.1M | +$35K | +3.2% |
| Q4 2025 | $1.1M | +$1K | +0.1% |
| Q3 2025 | $1.1M | +$88K | +8.7% |
| Q2 2025 | $1.0M | −$25K | −2.4% |
| Q1 2025 | $1.0M | −$54K | −5.0% |
| Q4 2024 | $1.1M | −$23K | −2.1% |
| Q3 2024 | $1.1M | +$49K | +4.6% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, City 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 City Federal Credit Union by share.
Amounts from City Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per hour
per month
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure Fee (Before 12 Months) | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Research / Reconciliation (One Hour Minimum) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research / Reconciliation (one-hour minimum) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Mailed Paper Statement | $5Above the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Returned Mail (Inaccurate Address) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Protection Transfer (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Out-of-Network ATM - Balance Inquiry (audience not stated, treated as personal) | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Plastic Card Replacement (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer - Domestic (outgoing) (audience not stated, treated as personal) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer - Foreign (outgoing) (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Stop Payment (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing (Member written to non-Member) (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Cashing (Non-Member) (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Cashing (Under $100 Balance with No Other Service) (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Cashing Fee ( < $100 balance with no other services) (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Collection Item - Domestic | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Item - Foreign | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Same-Day ACH Origination (audience not stated, treated as personal) | $0.50Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Expedited Bill Payment (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Machine | 5% | per transaction | None |
| Cash Advance Processing Fee | $16Above the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Returned Deposit Item (personal check) | $35Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Returned Deposit Item (third party) | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Change Lock/Drill Box (audience not stated, treated as personal) | $300Not compared: Box drilling or key fee | Not stated | None |
| Account Levy, Lien, Garnishment | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment (audience not stated, treated as personal) | 5% | Not stated | None |
| Real Estate Loan Origination (audience not stated, treated as personal) | $1,500Above the U.S. middle 50% ($20.15 to $96.25 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Payment by Phone (audience not stated, treated as personal) | $3Below the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Skip-a-Pay (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | 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
Oct 23, 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 City 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.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Dallas, TX | 2 |
| Duncanville, TX | 1 |
| Gainesville, TX | 1 |
| Sherman, TX | 1 |
| Waxahachie, TX | 1 |
Largest competitors nearby
Local market: Dallas, Collin and Denton counties, TX, around its headquarters.
| 186 in its local market | Deposit share |
|---|---|
| Charles Schwab Bank, SSB | 34.8% |
| Bank of America, National Association | 22.7% |
| JPMorgan Chase Bank, National Association | 13.5% |
| Charles Schwab Premier Bank, SSB | 3.8% |
| Wells Fargo Bank, National Association | 2.3% |
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.