Fees from its schedule are under review and appear here once review is done.
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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
69th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 10, 2026
Call-report figures are for Education First Credit Union, Inc., 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 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. | Education First Credit Union, Inc.'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 10% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (69th 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 $258K in Q2 2026, 10% below the same quarter a year earlier ($288K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Call reports for Education First Credit Union, Inc. (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 | $258K | −$8K | −3.0% |
| Q1 2026 | $266K | −$23K | −8.0% |
| Q4 2025 | $289K | −$19K | −6.2% |
| Q3 2025 | $308K | +$20K | +6.9% |
| Q2 2025 | $288K | −$12K | −4.0% |
| Q1 2025 | $300K | −$1K | −0.3% |
| Q4 2024 | $301K | −$20K | −6.2% |
| Q3 2024 | $321K | $0 | 0.0% |
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, Education First Credit Union, Inc. left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Education First Credit Union, Inc. by share.
They stay out of every comparison until review is done.
per item
per item · Applied to checks, drafts, items, ATM transactions, debit card transactions (with consent), preauthorized debits, and electronic transfers drawn on insufficient funds
per item
per month · Charged if minimum daily balance of $500 not maintained, unless waived by meeting criteria (15 debit transactions, $5,000 loan balance, $5,000 savings balance, or Platinum Visa Card)
per month · Charged if minimum daily balance requirement not met
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| Minimum Balance To Earn Stated APY (audience not stated, treated as personal) | $1 | Not stated | None |
Overdraft & NSFUnder review | |||
| What is Overdraft Privilege? (audience not stated, treated as personal) | $33 | per item | None |
Other feesUnder review | |||
| But not limited to our (audience not stated, treated as personal) | $33 | Not stated | None |
| Min. Balance to avoid service fee (audience not stated, treated as personal) | $500 | Not stated | None |
| Minimum Balance to Earn State APY (audience not stated, treated as personal) | $1 | Not stated | None |
| Minimum Balance to Earn Stated APY (audience not stated, treated as personal) | $1,000 | Not stated | None |
| Minimum Balance To Earn Stated APY (audience not stated, treated as personal) | $1 | Not stated | None |
| Overdraft Fee (audience not stated, treated as personal) | Not stated | per item | Applied to checks, drafts, items, ATM transactions, debit card transactions (with consent), preauthorized debits, and electronic transfers drawn on insufficient funds |
| Overdraft Privilege allows you to overdraw your Account up to the disclosed limit for a fee in order to pay a transactio (audience not stated, treated as personal) | $33 | per item | None |
| Premium Checking Monthly Service Fee (audience not stated, treated as personal) | Not stated | per month | Charged if minimum daily balance of $500 not maintained, unless waived by meeting criteria (15 debit transactions, $5,000 loan balance, $5,000 savings balance, or Platinum Visa Card) |
| Value Checking Monthly Service Fee (audience not stated, treated as personal) | Not stated | per month | Charged if minimum daily balance requirement not met |
| We do charge our normal (audience not stated, treated as personal) | $33 | per item | None |
| What is Overdraft Privilege? (audience not stated, treated as personal) | $33 | per item | None |
| You will be charged our standard (audience not stated, treated as personal) | $33 | per item | 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 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 Education First Credit Union, Inc. operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Columbus, OH | 2 |
| Reynoldsburg, OH | 1 |
Largest competitors nearby
Local market: Franklin and Delaware counties, OH, around its headquarters.
| 48 in its local market | Deposit share |
|---|---|
| The Huntington National Bank | 44.2% |
| JPMorgan Chase Bank, National Association | 20.3% |
| Bank of America, National Association | 8.1% |
| PNC Bank, National Association | 6.9% |
| Fifth Third Bank, National Association | 5.5% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows