Compared with Texas
1 of 15
compared fees are above the median.
12 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
99th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Texas median
of 15 compared; 12 below, 2 about the same
See the feesFee schedule read Nov 4, 2026
Call-report figures are for My 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. | My 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 28% 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 $393K in Q2 2026, 137% above the same quarter a year earlier ($166K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
1 of 15 compared published fees sit above the Texas median; 12 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 rose 121% from Q3 2025 to Q2 2026, to $393K. Its share of revenue, 28%, is above the 7.2% median for credit unions with under $300M in assets.
$393K
My 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.
My Federal Credit Union · $58M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| My Federal Credit Union(this institution) | Haslet, TX | $58M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Access Federal Credit Union | Broadview, IL | $58M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| American Lake Federal Credit Union | Lakewood, WA | $60M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ark Valley Federal Credit Union | Arkansas City, KS | $57M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Baton Rouge City Parish Emp Federal Credit Union | Baton Rouge, LA | $58M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Financial Partners Federal Credit Union | Woodburn, IN | $57M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fraternal Order Of Police Federal Credit Union | Tulsa, OK | $57M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gratiot Community Federal Credit Union | Alma, MI | $60M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Healthnet Federal Credit Union | Cordova, TN | $58M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Horizon Federal Credit Union | Macon, MO | $59M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Jack Daniel Employees Federal Credit Union | Lynchburg, TN | $57M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Joplin Metro Federal Credit Union | Joplin, MO | $58M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Loudoun Credit Union | Leesburg, VA | $60M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Metco Federal Credit Union | Cedar Rapids, IA | $59M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mokelumne Federal Credit Union | Lodi, CA | $57M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Nordstrom Federal Credit Union | Everett, WA | $60M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northwest Hills Federal Credit Union | Torrington, CT | $57M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Notre Dame Community Federal Credit Union | Fall River, MA | $58M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pennstar Federal Credit Union | Hermitage, PA | $59M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pitney Bowes Employees Federal Credit Union | Shelton, CT | $57M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Remington Federal Credit Union | Ilion, NY | $60M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Rt Federal Credit Union | Rome, NY | $59M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Saratoga'S Community Federal Credit Union | Saratoga Springs, NY | $58M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Select Federal Credit Union | San Antonio, TX | $58M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Share Advantage Federal Credit Union | Duluth, MN | $58M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Summit Federal Credit Union | Akron, OH | $59M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(out-of-network atm)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $1, the middle of its two prices, against a peer median of $2.25 among 10 publishing peers.
Its two prices are $1 and $1.
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 26, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Against this institution's out-of-network atm fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.
Call reports for My 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 | $393K | +$238K | +153.5% |
| Q1 2026 | $155K | +$2K | +1.3% |
| Q4 2025 | $153K | −$25K | −14.0% |
| Q3 2025 | $178K | +$12K | +7.2% |
| Q2 2025 | $166K | −$3K | −1.8% |
| Q1 2025 | $169K | −$3K | −1.7% |
| Q4 2024 | $172K | −$5K | −2.8% |
| Q3 2024 | $177K | −$2K | −1.1% |
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, My 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 My Federal Credit Union by share.
Amounts from My Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per day
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Reconciliation ($5.00 minimum) (audience not stated, treated as personal) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft by ATM or Debit Card (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Check Returned or Honored for Non-Sufficient Funds (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Insufficient Funds to Pay Authorized Draft/ACH Debit (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| ATM Terminal Transfer Fee or Overdraft Transfer Protection Fee (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Overdraft Transfer from Savings (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Balance Inquiry (audience not stated, treated as personal) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Foreign ATM withdrawal fee (audience not stated, treated as personal) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer (Outgoing Domestic) (audience not stated, treated as personal) | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (incoming) (audience not stated, treated as personal) | $2Below the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Official Checks (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official Checks made to members only (1 free per day) then (audience not stated, treated as personal) | $1Not compared: Daily charge, not per item | per day | None |
| Teller Checks (audience not stated, treated as personal) | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Order (audience not stated, treated as personal) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (1 sheet free at account opening) additional (audience not stated, treated as personal) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Photocopy of Checks (2 free per month) additional (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Online Bill Pay. (audience not stated, treated as personal) | $6.99Above the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Returned Deposit Item (audience not stated, treated as personal) | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Subpoena, IRS Levy (research, duplication) (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
Lending Fees | |||
| Late Charge - Past Due Loan Payment (over 10 days) (audience not stated, treated as personal) | 5% | Not stated | None |
Other Fees | |||
| Interim Statements (Account Print-Outs) (audience not stated, treated as personal) | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy per page (audience not stated, treated as personal) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Photocopies (audience not stated, treated as personal) | $1Below the U.S. middle 50% ($2 to $5 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
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 My 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
| Canton, TX | 1 |
| Crowley, TX | 1 |
| Euless, TX | 1 |
| Haslet, TX | 1 |
| Mineola, TX | 1 |
| Mineral Wells, TX | 1 |
Largest competitors nearby
Local market: Tarrant county, TX, around its headquarters.
| 93 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 28.9% |
| Bank of America, National Association | 10.8% |
| Wells Fargo Bank, National Association | 10% |
| Texas Exchange Bank | 4% |
| PNC Bank, National Association | 2.6% |
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.