Express Federal Credit Union

Headquarters: Seattle, Washington
Charter: Credit Union
Assets: $22.6M
Fed district: San Francisco
Regulator: NCUA

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

Source: its fee schedule, read Oct 10, 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 Oct 10, 2026

How these figures are measured

Call-report figures are for Express 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.	Express Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 10, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Express 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 $41K in Q2 2026, 16% below the same quarter a year earlier ($49K).
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.

Non-Network ATM
Compared at $5.50, the middle of its prices
Express Federal Credit Union: $1 to $10
Express Federal Credit Union: $1 to $10
U.S. median: no median
Wire Transfer (Domestic Out)
Express Federal Credit Union: $15
Express Federal Credit Union: $15
U.S. median: no median
Stop Payment
Compared at $15, the middle of its prices
Express Federal Credit Union: $10 to $20
Express Federal Credit Union: $10 to $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Washington, the San Francisco 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).
Washington: Banks and credit unions headquartered in Washington that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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 rose 95% from Q3 2025 to Q2 2026, to $41K.

Fee income, Q2 2026

$41K

$21KQ3 2025

$24KQ4 2025

$33KQ1 2026

$41KQ2 2026

Against the median

Express 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

Express Federal Credit Union · $23M 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
$22M to $23M 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
Express Federal Credit Union(this institution)	Seattle, WA	$23M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
American Pride Federal Credit Union	Altoona, PA	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Chattahoochee Federal Credit Union	Valley, AL	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Essex County Teachers Federal Credit Union	Bloomfield, NJ	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fayette County School Employees Federal Credit Union	Uniontown, PA	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Glynn County Federal Employees	Brunswick, GA	$23M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hamakua Federal Credit Union	Pepeekeo, HI	$23M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ibew/Sj Cascade Federal Credit Union	Salem, OR	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Local 804 Federal Credit Union	Port Washington, NY	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Main Impact Federal Credit Union	Murray, KY	$23M	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 1St Federal Credit Union	Brattleboro, VT	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Mid-State Federal Credit Union	Carteret, NJ	$23M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mopac Employees Federal Credit Union	Palestine, TX	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ontario Public Employees Federal Credit Union	Ontario, CA	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Priority Plus Federal Credit Union	Wilmington, DE	$23M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Special Metals Federal Credit Union	New Hartford, NY	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Steel Valley Federal Credit Union	Cleveland, OH	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Strategic Federal Credit Union	Sterling, VA	$23M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tandem Federal Credit Union	Warren, MI	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Trades & Labor Federal Credit Union	Albert Lea, MN	$23M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
United Churches Federal Credit Union	Taylor, MI	$22M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Warren Municipal Federal Credit Union	Warren, MI	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
West Penn P&P Federal Credit Union	Beaver, PA	$23M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Wheat State Federal Credit Union	Wichita, KS	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Wolf Point Federal Credit Union	Wolf Point, MT	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Express Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 8 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 Oct 24, 2026.

Monthly maintenance fee in dollars, one mark per institution

Express Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Express Federal Credit Un…Peer (equal prices stack)Peer medianInclude $10 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 24, 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 Express 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: $41K
vs prior quarter: +$8K+24.2%; from Q1 2026
vs a year earlier: −$8K−16.3%; from Q2 2025
vs start of range: +$13K+46.4%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Express 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	$41K	+$8K	+24.2%
Q1 2026	$33K	+$9K	+37.5%
Q4 2025	$24K	+$3K	+14.3%
Q3 2025	$21K	−$28K	−57.1%
Q2 2025	$49K	+$26K	+113.0%
Q1 2025	$23K	+$2K	+9.5%
Q4 2024	$21K	−$7K	−25.0%
Q3 2024	$28K	−$17K	−37.8%

Fee-income share against its size cohort

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

Published fee schedule

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

ATM & Card

Articulo devuelto (cheques, ATM/debito, & ACH/EFT)$10
per item
Tarifa de transacci6n (para cajeros automaticos que no sean de la red CO-OP®)$1
per transaction
Tarjeta de reemplazo$5
per item

Wire Transfers

Transferencia electr6nica (Wire} domestico$15
per transaction

Check Services

Cheques de cajero ECU$2
per item
Money Order$1
Detener pagos (cheques y ACH/EFTs)$10
per item
Parar cheques de cajero ECU$20
per item
Cheques de cobro de no miembros emitidos en cuenta de Express Credit Union$5
per item
Copia de articulo depositado$1
per item

Digital & Electronic

Tarifa de instalaci6n$10
per transaction
Tarifa de retorno de ACH$10
per item

Cash & Deposit

Articulo depositado devuelto$10
per item

Account Services

Exacci6n (Levy)/procesamiento de embargos$35

Lending Fees

Prestamo directo cargo por pago tarde$20
per item
Prestamo indirecto cargo por pago tarde$20
per item
Tarjeta de credito Visa® cargo por pago tarde$8
per item

Retirement & IRA

Cargo de cierre (IRA)$25
one time

Other Fees

Document Reproduction$0.75
per item
Pago de prestamo en el portal en linea$8
per transaction
Pago de prestamo por telefono$25
per transaction
Revisi6n de tasa de prestamo$50
one time
Rrefinanciamiento de prestamos para automóviles en casa$100
one time

Fee	Amount	Basis	Note
ATM & Card
Articulo devuelto (cheques, ATM/debito, & ACH/EFT)	$10	per item	None
Tarifa de transacci6n (para cajeros automaticos que no sean de la red CO-OP®)	$1	per transaction	None
Tarjeta de reemplazo	$5	per item	None
Wire Transfers
Transferencia electr6nica (Wire} domestico	$15	per transaction	None
Check Services
Cheques de cajero ECU	$2	per item	None
Money Order	$1	Not stated	None
Detener pagos (cheques y ACH/EFTs)	$10	per item	None
Parar cheques de cajero ECU	$20	per item	None
Cheques de cobro de no miembros emitidos en cuenta de Express Credit Union	$5	per item	None
Copia de articulo depositado	$1	per item	None
Digital & Electronic
Tarifa de instalaci6n	$10	per transaction	None
Tarifa de retorno de ACH	$10	per item	None
Cash & Deposit
Articulo depositado devuelto	$10	per item	None
Account Services
Exacci6n (Levy)/procesamiento de embargos	$35	Not stated	None
Lending Fees
Prestamo directo cargo por pago tarde	$20	per item	None
Prestamo indirecto cargo por pago tarde	$20	per item	None
Tarjeta de credito Visa® cargo por pago tarde	$8	per item	None
Retirement & IRA
Cargo de cierre (IRA)	$25	one time	None
Other Fees
Document Reproduction	$0.75	per item	None
Pago de prestamo en el portal en linea	$8	per transaction	None
Pago de prestamo por telefono	$25	per transaction	None
Revisi6n de tasa de prestamo	$50	one time	None
Rrefinanciamiento de prestamos para automóviles en casa	$100	one time	None

Correct a fee source

Oct 10, 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 Express Federal Credit Union's ach origination changes in our data

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