Compared with Nevada
1 of 10
compared fees are above the median.
3 below, 6 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
52nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Nevada median
of 10 compared; 3 below, 6 about the same
See the feesFee schedule read Oct 9, 2026
Call-report figures are for Sierra Pacific 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 Nevada median | Published fees above the Nevada median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Sierra Pacific Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 9, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.4% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (52nd 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 $183K in Q2 2026, 7.0% above the same quarter a year earlier ($171K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
1 of 10 compared published fees sit above the Nevada median; 3 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 Nevada medians for fees published by banks and credit unions.
Deposited Item Return
Compared at $27.50, the middle of its prices
NSF / Returned Item
Stop Payment
Compared at $15, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Nevada, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 5.7% from Q3 2025 to Q2 2026, to $183K. Its share of revenue, 7.4%, is above the 7.2% median for credit unions with under $300M in assets.
$183K
Sierra Pacific 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.
Sierra Pacific Federal Credit Union · $189M 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Sierra Pacific Federal Credit Union(this institution) | Reno, NV | $189M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Alden Federal Credit Union | Chicopee, MA | $185M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cincinnati Ohio Police Federal Credit Union | Cincinnati, OH | $188M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Democracy Federal Credit Union | Alexandria, VA | $188M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Discovery Federal Credit Union | Wyomissing, PA | $193M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Downriver Community Federal Credit Union | Ecorse, MI | $193M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Central Federal Credit Union | Waco, TX | $192M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Government Employees Federal Credit Union | Austin, TX | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Horizon Utah Federal Credit Union | Farmington, UT | $185M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Infirst Federal Credit Union | Alexandria, VA | $186M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Journey Federal Credit Union | Saint Johns, MI | $187M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kauai Federal Credit Union | Lihue, HI | $193M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lone Star Federal Credit Union | Dallas, TX | $188M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Magnolia Federal Credit Union | Jackson, MS | $186M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members' Advantage Federal Credit Union | Wisconsin Rapids, WI | $185M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Miami Firefighters Federal Credit Union | Miami, FL | $189M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Municipal Employees Credit Union of Oklahoma City | Oklahoma City, OK | $190M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Nw Preferred Federal Credit Union | Tigard, OR | $189M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Priority First Federal Credit Union | Du Bois, PA | $187M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Priority Trust Federal Credit Union | Houston, TX | $191M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Puerto Rico Federal Credit Union | Caparra, PR | $188M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ripco Federal Credit Union | Rhinelander, WI | $189M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| River Works Federal Credit Union | Lynn, MA | $193M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Riverfall Federal Credit Union | Tuscaloosa, AL | $194M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| South Metro Federal Credit Union | Prior Lake, MN | $185M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Xcel Federal Credit Union | Bloomfield, NJ | $186M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ 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 $5.48 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 Oct 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Sierra Pacific 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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Sierra Pacific 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 | $183K | +$2K | +1.1% |
| Q1 2026 | $181K | +$11K | +6.5% |
| Q4 2025 | $170K | −$24K | −12.4% |
| Q3 2025 | $194K | +$23K | +13.5% |
| Q2 2025 | $171K | −$3K | −1.7% |
| Q1 2025 | $174K | −$20K | −10.3% |
| Q4 2024 | $194K | +$25K | +14.8% |
| Q3 2024 | $169K | $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, Sierra Pacific 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 Sierra Pacific Federal Credit Union by share.
Amounts from Sierra Pacific Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early account closure (closed within 90 days of opening) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee After 2 years/per month | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account balancing assistance per hour (1/2 hour minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account research per hour (1/2 hour minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excess transaction fees | $2Below the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Excess withdrawal fee | $20Above the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Excess withdrawal from Checking | $5Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
| Excess withdrawal from savings by credit union check | $2Below the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| Shared branching return item | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Protection from Reg. Shares up to 6 transfers | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Replacement of VISA© Debit Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited card | $30Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| International Service Assessment | 1%of the transaction | Not stated | None |
| International Service Assessment (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Check Services | |||
| Cashier's check (2 free per month) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment - ACH and Share Draft | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop payment on an official credit union check | $5Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Foreign item deposit | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Copy of Cancelled Check (in excess of 3 per month) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Overdrawn (item paid or returned) | $30Inside the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
| Online banking, estatements, mobile app, Mobile Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited checks returned upaid | $25Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
| Return Deposit Item via ATM | $30Above the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Processing of subpoenas | $20Below the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Photocopies per page | $0.10Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copy (From Archives) | $2Inside 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
Oct 9, 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 Sierra Pacific Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
6 offices in 3 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Reno, NV | 3 |
| Las Vegas, NV | 1 |
| Phoenix, AZ | 1 |
| Sandy, UT | 1 |
Largest competitors nearby
Local market: Washoe county, NV, around its headquarters.
| 17 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 30.5% |
| U.S. Bank National Association | 19.6% |
| Bank of America, National Association | 14.8% |
| Zions Bancorporation, N.A. | 7.7% |
| JPMorgan Chase Bank, National Association | 6.5% |
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.