Compared with Washington
2 of 15
compared fees are above the median.
11 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
47th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Washington median
of 15 compared; 11 below, 2 about the same
See the feesFee schedule read Oct 10, 2026
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) 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 Washington median | Published fees above the Washington 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
Fee income was 6.8% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (47th 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 $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.
2 of 15 compared published fees sit above the Washington median; 11 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 Washington medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $5.50, the middle of its prices
Wire Transfer (Domestic Out)
Stop Payment
Compared at $15, the middle of its prices
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.
Fee income rose 95% from Q3 2025 to Q2 2026, to $41K. Its share of revenue, 6.8%, is below the 7.2% median for credit unions with under $300M in assets.
$41K
Express 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. *Non-network ATM: Listed at $1 to $10; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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.
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.
Call reports for Express 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 | $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% |
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, Express 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 Express Federal Credit Union by share.
Amounts from Express Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per transaction
per item
per transaction
per item
per item
per item
per item
per item
per item
per item
per item
per item
one time
per item
per transaction
per transaction
one time
one time
| Fee | Amount | Basis | Note |
|---|---|---|---|
ATM & Card | |||
| Articulo devuelto (cheques, ATM/debito, & ACH/EFT) | $10Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Tarifa de transacci6n (para cajeros automaticos que no sean de la red CO-OP®) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Tarjeta de reemplazo | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Transferencia electr6nica (Wire} domestico | $15Below the U.S. middle 50% ($20 to $25 nationally) | per transaction | None |
Check Services | |||
| Cheques de cajero ECU | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Detener pagos (cheques y ACH/EFTs) | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Parar cheques de cajero ECU | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Cheques de cobro de no miembros emitidos en cuenta de Express Credit Union | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Copia de articulo depositado | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Tarifa de instalaci6n | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per transaction | None |
| Tarifa de retorno de ACH | $10Below the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Articulo depositado devuelto | $10Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Exacci6n (Levy)/procesamiento de embargos | $35Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Prestamo directo cargo por pago tarde | $20Inside the U.S. middle 50% ($15 to $25 nationally) | per item | None |
| Prestamo indirecto cargo por pago tarde | $20Inside the U.S. middle 50% ($15 to $25 nationally) | per item | None |
| Tarjeta de credito Visa® cargo por pago tarde | $8Below the U.S. middle 50% ($15 to $25 nationally) | per item | None |
Retirement & IRA | |||
| Cargo de cierre (IRA) | $25Inside the U.S. middle 50% ($25 to $35 nationally) | one time | None |
Other Fees | |||
| Document Reproduction | $0.75Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Pago de prestamo en el portal en linea | $8Below the U.S. middle 50% ($20 to $37.50 nationally) | per transaction | None |
| Pago de prestamo por telefono | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | per transaction | None |
| Revisi6n de tasa de prestamo | $50Above the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
| Rrefinanciamiento de prestamos para automóviles en casa | $100Above the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
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.
Where Express Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Seattle, WA | 1 |
Largest competitors nearby
Local market: King county, WA, around its headquarters.
| 48 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 29.5% |
| JPMorgan Chase Bank, National Association | 16.5% |
| Wells Fargo Bank, National Association | 12.3% |
| U.S. Bank National Association | 12.3% |
| KeyBank National Association | 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.