Compared with Louisiana
10 of 23
compared fees are above the median.
5 below, 8 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
80th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Louisiana median
of 23 compared; 5 below, 8 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for Essential 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 Louisiana median | Published fees above the Louisiana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Essential Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 12% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (80th 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 $1.0M in Q2 2026, 13% above the same quarter a year earlier ($920K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
10 of 23 compared published fees sit above the Louisiana median; 5 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 Louisiana medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $3.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Louisiana, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 8.1% from Q3 2025 to Q2 2026, to $1.0M. Its share of revenue, 12%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$1.0M
Essential 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. *Non-network ATM: Listed at $2 to $5; we compare the midpoint.
Essential Federal Credit Union · $434M 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 |
|---|---|---|---|---|---|---|---|
| Essential Federal Credit Union(this institution) | Baton Rouge, LA | $434M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Aerospace Federal Credit Union | Los Angeles, CA | $446M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alcoa Tenn Federal Credit Union | Alcoa, TN | $427M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alliance Federal Credit Union | Fenton, MO | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| America'S Federal Credit Union | Garland, TX | $428M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| American Southwest Federal Credit Union | Sierra Vista, AZ | $440M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Chessie Federal Credit Union | Cumberland, MD | $434M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Co-Op Credit Union of Montevideo | Montevideo, MN | $423M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Colorado Federal Credit Union | Littleton, CO | $442M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cport Federal Credit Union | Portland, ME | $435M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dexsta Federal Credit Union | Wilmington, DE | $432M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| High Point Federal Credit Union | Olean, NY | $430M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Honolulu Federal Credit Union | Honolulu, HI | $423M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Membersfirst Federal Credit Union | Decatur, GA | $429M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mid-Atlantic Federal Credit Union | Germantown, MD | $443M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mocse Federal Credit Union | Modesto, CA | $426M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Public Employees Federal Credit Union | Austin, TX | $431M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rocky Mountain Federal Credit Union | Helena, MT | $427M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Southeastern Federal Credit Union | Valdosta, GA | $441M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Louis Community Federal Credit Union | Saint Louis, MO | $445M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Streator Onized Federal Credit Union | Streator, IL | $423M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Taunton Federal Credit Union | Taunton, MA | $440M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Telco Community Credit Union | Candler, NC | $429M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texar Federal Credit Union | Texarkana, TX | $441M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ukrainian Federal Credit Union | Rochester, NY | $427M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Universal 1 Federal Credit Union | Dayton, OH | $425M | Publishes Monthly maintenance | 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 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Essential 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 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Essential Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 14 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $1.0M | +$23K | +2.3% |
| Q1 2026 | $1.0M | −$47K | −4.4% |
| Q4 2025 | $1.1M | −$67K | −5.9% |
| Q3 2025 | $1.1M | +$209K | +22.7% |
| Q2 2025 | $920K | −$18K | −1.9% |
| Q1 2025 | $938K | −$163K | −14.8% |
| Q4 2024 | $1.1M | −$38K | −3.3% |
| Q3 2024 | $1.1M | +$113K | +11.0% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Essential 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 Essential Federal Credit Union by share.
Amounts from Essential Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per month
per item
per item
per item
per year
per year
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee (after 12 months of no activity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Mailed Paper Statement | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Printed Paper Statement in branch | $1Below the U.S. middle 50% ($2 to $4.99 nationally) | per item | None |
| Undeliverable Mail | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee | $34Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Fee | $34Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Transfers using Overdraft Protection | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM Foreign Transaction Fee | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Non-Network ATM | $5Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Other Replacement Cards | $25Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Wire | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing Wire (International) | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Checks | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $0.75Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Starter Checks | No chargeBelow the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing for Non-member | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Copies | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Coin Counting | 7.5% | Not stated | None |
| Chargeback Fee | $10Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| 10 x 10 (Siegen & Plaquemine Branch) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3 x 10 (Siegen & Plaquemine Branch) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3 x 5 (Siegen & Plaquemine Branch) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5 x 10 (Siegen, Plaquemine & Walker Branch) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5 x 5 (Walker Branch) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 7 x 10 (Walker Branch) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment, Subpoena or Escheatment | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Tax Levy | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment Charges | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Vehicle & Title | |||
| DMV Processing Fee | $23Inside the U.S. middle 50% ($15 to $50 nationally) | Not stated | None |
Other Fees | |||
| Fax Service Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Payments from External Institutions via Telephone | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Stock Purchase Loan Application | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 15, 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 Essential Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
7 offices in 2 states (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
| Baton Rouge, LA | 3 |
| Gonzales, LA | 1 |
| Houston, TX | 1 |
| Plaquemine, LA | 1 |
| Walker, LA | 1 |
Largest competitors nearby
Local market: East Baton Rouge parish, LA, around its headquarters.
| 53 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 39.9% |
| Hancock Whitney Bank | 12.4% |
| Capital One, National Association | 11.6% |
| First Horizon Bank | 7.7% |
| b1BANK | 7.2% |
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.