Compared with California
7 of 18
compared fees are above the median.
8 below, 3 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
19th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 18 compared; 8 below, 3 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for Farmers Insurance 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 452 credit unions with $1B to $10B 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 California median | Published fees above the California median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Farmers Insurance Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 3.8% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (19th 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 $934K in Q2 2026, 37% below the same quarter a year earlier ($1.5M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 18 compared published fees sit above the California median; 8 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 California medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
Compared at $30, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for California, 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 18% from Q3 2025 to Q2 2026, to $934K. Its share of revenue, 3.8%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$934K
Farmers Insurance 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Farmers Insurance Federal Credit Union · $1.3B 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Farmers Insurance Federal Credit Union(this institution) | Los Angeles, CA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| American First Federal Credit Union | Brea, CA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Amplify Federal Credit Union | Austin, TX | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cobalt Federal Credit Union | Papillion, NE | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Efcu Financial Federal Credit Union | Baton Rouge, LA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Five Star Federal Credit Union | Dothan, AL | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Guardian Federal Credit Union | Prattville, AL | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gulf Coast Educators Federal Credit Union | Pasadena, TX | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Gulf Winds Federal Credit Union | Pensacola, FL | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Island Federal Credit Union | Hauppauge, NY | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Los Angeles Federal Credit Union | Glendale, CA | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Los Angeles Police Federal Credit Union | Van Nuys, CA | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Municipal Empl.Credit Union of Balt | Baltimore, MD | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Notre Dame Federal Credit Union | Notre Dame, IN | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Orion Federal Credit Union | Memphis, TN | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pacific Service Federal Credit Union | Concord, CA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Patriot Federal Credit Union | Chambersburg, PA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Quorum Federal Credit Union | Purchase, NY | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rize Federal Credit Union | El Monte, CA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sharonview Federal Credit Union | Fort Mill, SC | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sidney Federal Credit Union | Sidney, NY | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Silver State Schools Federal Credit Union | Las Vegas, NV | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Southland Federal Credit Union | Los Alamitos, CA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State Employees Federal Credit Union | Santa Fe, NM | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Truity Federal Credit Union | Bartlesville, OK | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wright Patman Congressional Federal Credit Union | Washington, DC | $1.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 14 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 27, 2026.
Monthly maintenance fee in dollars, one mark per institution
Farmers Insurance 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 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Farmers Insurance 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 | $934K | −$43K | −4.4% |
| Q1 2026 | $977K | +$430K | +78.6% |
| Q4 2025 | $547K | −$593K | −52.0% |
| Q3 2025 | $1.1M | −$338K | −22.9% |
| Q2 2025 | $1.5M | +$481K | +48.2% |
| Q1 2025 | $997K | −$38K | −3.7% |
| Q4 2024 | $1.0M | +$39K | +3.9% |
| Q3 2024 | $996K | +$61K | +6.5% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Farmers Insurance 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 Farmers Insurance Federal Credit Union by share.
Amounts from Farmers Insurance Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Paper Statement, Disclosure | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | per item | None |
| Excess Withdrawals | $20Above the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Returned Mail (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Insufficient Funds Charge (Paid) Privilege Pay | $23Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Insufficient Funds Charge — Returned | $23Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Non-Sufficient Funds (NSF) (audience not stated, treated as personal) | $23Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Other Fees Sales Draft Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Visa Foreign Transaction (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer | $40Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Outgoing Wire Transfer — Domestic (audience not stated, treated as personal) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Outgoing Wire Transfer – International | $40Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Check (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order (audience not stated, treated as personal) | $2.50Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Bill Pay Stop Payment (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment (each check or ACH transfer) | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Non-member Check Cashing (audience not stated, treated as personal) | $20Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Payment as Collection Item (audience not stated, treated as personal) | $23Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Copy of a Paid Check | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of a Paid Check | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay — Overnight Paper Payment (audience not stated, treated as personal) | $20Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash Advance | 2%of the advance | Not stated | None |
Lending Fees | |||
| Late Payment | $30Above the U.S. middle 50% ($15 to $25 nationally) | per transaction | None |
Other Fees | |||
| Overnight Mail (Federal Express, UPS, or USPS) | $25Inside the U.S. middle 50% ($20 to $40 nationally) | per item | None |
| Copy of an Electronically | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Sales Draft | $10Above the U.S. middle 50% ($2 to $5 nationally) | 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
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Paper Statement Fee | $5 | per month | None |
| Returned Mail | $15Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft Protection | $15 | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer — Domestic | $30 | per item | None |
| Incoming Wire Transfer — Domestic | $10 | per item | None |
| Outgoing Wire Transfer — International | $60 | per item | None |
| Incoming Wire Transfer — International | $15 | per item | None |
Other Fees | |||
| Copy of an Electronically | $5 | per item | None |
Oct 31, 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 Farmers Insurance Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
9 offices in 6 states (June 30, 2026)
Hover a state for its office count.
Cities with the most offices
| Burbank, CA | 1 |
| Caledonia, MI | 1 |
| Merced, CA | 1 |
| Oklahoma City, OK | 1 |
| Overland Park, KS | 1 |
| Phoenix, AZ | 1 |
| Round Rock, TX | 1 |
| Torrance, CA | 1 |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
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