Sun Pacific Federal Credit Union

Headquarters: Richmond, California
Charter: Credit Union
Assets: $29.9M
Fed district: San Francisco
Regulator: NCUA

23 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 4, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 4, 2026

How these figures are measured

Call-report figures are for Sun 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Sun Pacific 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

Details

Source: NCUA 5300 call report
Entity: Sun Pacific Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $15K in Q2 2026, 6.3% below the same quarter a year earlier ($16K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
Compared at $32.50, the middle of its prices
Sun Pacific Federal Credit Union: $20 to $40
Sun Pacific Federal Credit Union: $20 to $40
U.S. median: no median
Wire Transfer (Domestic Out)
Sun Pacific Federal Credit Union: $35
Sun Pacific Federal Credit Union: $35
U.S. median: no median
Stop Payment
Compared at $20, the middle of its prices
Sun Pacific Federal Credit Union: $15 to $25
Sun Pacific Federal Credit Union: $15 to $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income was about level from Q3 2025 to Q2 2026, at $15K.

Fee income, Q2 2026

$15K

$15KQ3 2025

$15KQ4 2025

$17KQ1 2026

$15KQ2 2026

Against the median

Sun Pacific Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Sun Pacific Federal Credit Union · $30M 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 15 states.

Credit unions only
$29M to $30M in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Sun Pacific Federal Credit Union(this institution)	Richmond, CA	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Alcon Employees Federal Credit Union	Fort Worth, TX	$30M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Alloy Federal Credit Union	Alloy, WV	$30M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bakersfield City Employees Federal Credit Union	Bakersfield, CA	$30M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bridgeport Police Federal Credit Union	Bridgeport, CT	$30M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Canandaigua Federal Credit Union	Canandaigua, NY	$29M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Elca Federal Credit Union	Chicago, IL	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ferko Md Federal Credit Union	Frederick, MD	$30M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Financial Health Federal Credit Union	Indianapolis, IN	$30M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First Area Federal Credit Union	Lewistown, PA	$30M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gates Chili Federal Credit Union	Rochester, NY	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Gha Federal Credit Union	Greenwich, CT	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Highway Alliance Federal Credit Union	Jefferson city, MO	$30M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Htm Federal Credit Union	Haverhill, MA	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
I B E W 26 Federal Credit Union	Lanham, MD	$30M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Iowa Heartland Federal Credit Union	Mason City, IA	$30M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Leominster Employees Federal Credit Union	Leominster, MA	$30M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Manville Area Federal Credit Union	Manville, NJ	$30M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Pinpoint Federal Credit Union	Milton, PA	$30M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Postal Family Federal Credit Union	Fargo, ND	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas Associations Of Professionals Federal Credit Union	San Antonio, TX	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Texas Community Federal Credit Union	Kingsville, TX	$30M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
United Energy Federal Credit Union	Humble, TX	$30M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Federal Credit Union	Tyler, TX	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Valwood Park Federal Credit Union	Carrollton, TX	$30M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Walton County Teachers Federal Credit Union	Defuniak Springs, FL	$30M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

17 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Sun Pacific Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5.25 among 8 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

Sun Pacific Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Sun Pacific Federal Credi…Peer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Sun Pacific Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $15K
vs prior quarter: −$2K−11.8%; from Q1 2026
vs a year earlier: −$1K−6.3%; from Q2 2025
vs start of range: −$3K−16.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Sun Pacific Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$15K	−$2K	−11.8%
Q1 2026	$17K	+$2K	+13.3%
Q4 2025	$15K	$0	0.0%
Q3 2025	$15K	−$1K	−6.3%
Q2 2025	$16K	−$2K	−11.1%
Q1 2025	$18K	$0	0.0%
Q4 2024	$18K	$0	0.0%
Q3 2024	$18K	+$1K	+5.9%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Sun Pacific Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Below Minimum Balance Fee -- Regular Share under $100$5
per month
Early Account Closing (within 6 months)$20
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Excessive withdrawals from savings$3
Returned Mail$2

Overdraft & NSF

NSF fee Checking Account$25
Returned Item -- Check drawn on own act. at other Fin. Inst$40
Returned Item -- Closed Account$40
Returned Item--Open Account$20

ATM & Card

Debit Card or Credit Card Replacement$20
Visa Card Rush$30

Wire Transfers

Wire Outgoing$35

Check Services

Teller Check (if payee other than member)$2
Corporate Check Stop Payment$15
Stop Payments (all items)$25
Temporary Check Printing$5
per item
Check Cashing - Non-Member$5
Collection Item$50
Draft Photocopy Fee$5

Digital & Electronic

ACH Origination (Electronic account transfer)$15

Cash & Deposit

Returned Item -- Deposited Check (and other items)$20

Account Services

Notary Services -- Non-Member (per signature)$15
per item
Levies$25
Subordination Fee$50
Verification of Deposit -- waived for Seniors$25

Lending Fees

Loan Modification Fee$20

Other Fees

Statement Reprint$5
Demand for Payoff (Mortgage Loan)$25
Emergency Loan Application Fee$20
Lien Satisfied$20
Loan Modification Fee$20
Mortgage Loan Application Fee$250
Mortgage Reconveyance Fee$50

Fee	Amount	Basis	Note
Account Maintenance
Below Minimum Balance Fee -- Regular Share under $100	$5	per month	None
Early Account Closing (within 6 months)	$20	Not stated	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Excessive withdrawals from savings	$3	Not stated	None
Returned Mail	$2	Not stated	None
Overdraft & NSF
NSF fee Checking Account	$25	Not stated	None
Returned Item -- Check drawn on own act. at other Fin. Inst	$40	Not stated	None
Returned Item -- Closed Account	$40	Not stated	None
Returned Item--Open Account	$20	Not stated	None
ATM & Card
Debit Card or Credit Card Replacement	$20	Not stated	None
Visa Card Rush	$30	Not stated	None
Wire Transfers
Wire Outgoing	$35	Not stated	None
Check Services
Teller Check (if payee other than member)	$2	Not stated	None
Corporate Check Stop Payment	$15	Not stated	None
Stop Payments (all items)	$25	Not stated	None
Temporary Check Printing	$5	per item	None
Check Cashing - Non-Member	$5	Not stated	None
Collection Item	$50	Not stated	None
Draft Photocopy Fee	$5	Not stated	None
Digital & Electronic
ACH Origination (Electronic account transfer)	$15	Not stated	None
Cash & Deposit
Returned Item -- Deposited Check (and other items)	$20	Not stated	None
Account Services
Notary Services -- Non-Member (per signature)	$15	per item	None
Levies	$25	Not stated	None
Subordination Fee	$50	Not stated	None
Verification of Deposit -- waived for Seniors	$25	Not stated	None
Lending Fees
Loan Modification Fee	$20	Not stated	None
Other Fees
Statement Reprint	$5	Not stated	None
Demand for Payoff (Mortgage Loan)	$25	Not stated	None
Emergency Loan Application Fee	$20	Not stated	None
Lien Satisfied	$20	Not stated	None
Loan Modification Fee	$20	Not stated	None
Mortgage Loan Application Fee	$250	Not stated	None
Mortgage Reconveyance Fee	$50	Not stated	None

Correct a fee source

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.

Fee change alerts

Get an email when Sun Pacific Federal Credit Union's wire transfer changes in our data

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