Compared with California
3 of 19
compared fees are above the median.
13 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
0th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 19 compared; 13 below, 3 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for F & A 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. | F & A Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 0.4% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (0th 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 $126K in Q2 2026, 13% above the same quarter a year earlier ($112K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 19 compared published fees sit above the California median; 13 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)
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 rose 2.4% from Q3 2025 to Q2 2026, to $126K. Its share of revenue, 0.4%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$126K
F & A 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.
F & A Federal Credit Union · $3.2B 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 |
|---|---|---|---|---|---|---|---|
| F & A Federal Credit Union(this institution) | Monterey Park, CA | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Achieva Credit Union | Dunedin, FL | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Altra Federal Credit Union | Onalaska, WI | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Arkansas Federal Credit Union | Little Rock, AR | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Arrowhead Federal Credit Union | Rancho Cucamonga, CA | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chartway Federal Credit Union | Virginia Beach, VA | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Civic Federal Credit Union | Raleigh, NC | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Commonwealth Federal Credit Union | Frankfort, KY | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community First Credit Union of Flo | Jacksonville, FL | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Consumers Federal Credit Union | Oshtemo, MI | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union 1 | Lombard, IL | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Eastrise Federal Credit Union | Williston, VT | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Eglin Federal Credit Union | Fort Walton Beach, FL | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Community Federal Credit Union | Houston, TX | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gte Federal Credit Union | Tampa, FL | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Harborstone Federal Credit Union | Tacoma, WA | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Lake Trust Federal Credit Union | Brighton, MI | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Metro Federal Credit Union | Chelsea, MA | $3.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Premier America Federal Credit Union | Chatsworth, CA | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Rivermark Community Federal Credit Union | Oregon City, OR | $3.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Selco Community Federal Credit Union | Springfield, OR | $3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sound Federal Credit Union | Tacoma, WA | $3.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tennessee Valley Federal Credit Union | Chattanooga, TN | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Three Rivers Federal Credit Union | Fort Wayne, IN | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Usalliance Federal Credit Union | Rye, NY | $3.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Whatcom Educational Federal Credit Union | Bellingham, WA | $3.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ 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 $6 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 30, 2026.
Monthly maintenance fee in dollars, one mark per institution
F & A 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 30, 2026. Total assets from FDIC and NCUA records.
Call reports for F & A 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 | $126K | +$2K | +1.6% |
| Q1 2026 | $124K | −$10K | −7.5% |
| Q4 2025 | $134K | +$11K | +8.9% |
| Q3 2025 | $123K | +$11K | +9.8% |
| Q2 2025 | $112K | −$5K | −4.3% |
| Q1 2025 | $117K | +$2K | +1.7% |
| Q4 2024 | $115K | +$1K | +0.9% |
| Q3 2024 | $114K | +$8K | +7.5% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, F & A 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 F & A Federal Credit Union by share.
Amounts from F & A Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour · Account Reconcilement (per hour) | $16.00
per hour
per item
per item
per month
per document
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Notice of Escheat | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconcilement (per hour) | $16Not compared: Charged per hour; comparison unavailable | per hour | Account Reconcilement (per hour) | $16.00 |
| Compliance with Legal Order: Account Research (per hour) | $22Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Courtesy Pay of any item that takes the account below the required minimum balance | $5Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Return Check, VISA® Convenience Check or ACH Item (Non-sufficient funds fee is a per presentment fee) | $5Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF Check Paid by Overdraft Transfer from VISA® or Share Account | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Replacement Card Fee (1-day) | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Rush Replacement Card Fee (2-day) | $25Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Foreign Transaction Fees | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer (Domestic-outgoing) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (Incoming) | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Stop Payment (Member Check, ACH, Bill Pay), per item stopped or range of checks stopped at presentment | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment on Recurring Payment | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Copy of Paid Check from Bill Pay | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Paid Check Via Digital Banking | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Paid Member Check (2 free per mo.) | $5Not compared: Monthly charge, not per item | per month | None |
Digital & Electronic | |||
| Bill Pay | $5Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Non-Internet Bill Payment (per transaction) | $2Not compared: Per-item charge, not monthly | per item | None |
| Online Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| In-Branch Coin Machine Usage | No chargeInside the U.S. middle 50% ($0 to $2 nationally) | Not stated | None |
| ATM/Shared Branch Deposit Return item | $15Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service - Member | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Service - Non-Member (per document) | $15Not compared: Charged per document; comparison unavailable | per document | None |
| Compliance with Legal Order: Hearing Appearance (per house plus travel) | $22Below the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Real Estate Subordination | $250Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Account Verifications (in writing only with member's authorization) | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Copy of Credit Union Issued Check(s) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Statement, including VISA® (per page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Reconveyance of Real Estate Loan | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip-A-Pay (Loan payment of $200 or more) | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip-A-Pay (Loan payment of under $200) | $15Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 16, 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 F & A Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Monterey Park, CA | 1 |
| Whittier, CA | 1 |
Largest competitors nearby
Local market: Los Angeles county, CA, around its headquarters.
| 172 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 19% |
| Bank of America, National Association | 15.4% |
| Wells Fargo Bank, National Association | 11.7% |
| City National Bank | 10% |
| East West Bank | 7.4% |
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.