Strata Federal Credit Union

Headquarters: Bakersfield, California
Charter: Credit Union
Assets: $344.5M
Fed district: San Francisco
Regulator: NCUA

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

Source: its fee schedule, read Oct 22, 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 Oct 22, 2026

How these figures are measured

Call-report figures are for Strata 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.	Strata Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 22, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Strata 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 $344K in Q2 2026, 2.4% above the same quarter a year earlier ($336K).
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.

Monthly Maintenance
Strata Federal Credit Union: $5
Strata Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Strata Federal Credit Union: $15
Strata Federal Credit Union: $15
U.S. median: no median
NSF / Returned Item
Strata Federal Credit Union: $15
Strata Federal Credit Union: $15
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 22, 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 fell 6.8% from Q3 2025 to Q2 2026, to $344K.

Fee income, Q2 2026

$344K

$369KQ3 2025

$334KQ4 2025

$322KQ1 2026

$344KQ2 2026

Against the median

Strata 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

Strata Federal Credit Union · $345M 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 19 states.

Credit unions only
$336M to $352M in assets
Headquartered in 19 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
Strata Federal Credit Union(this institution)	Bakersfield, CA	$345M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Agriculture Federal Credit Union	Merrifield, VA	$351M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Elko Federal Credit Union	Elko, NV	$351M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Extra Federal Credit Union	Warren, MI	$345M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Family First Of Ny Federal Credit Union	Rochester, NY	$345M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Basin Federal Credit Union	Odessa, TX	$343M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fort Worth City Federal Credit Union	Fort Worth, TX	$337M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Freestar Financial Federal Credit Union	Mount Clemens, MI	$350M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Guadalupe Federal Credit Union	Santa Fe, NM	$348M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Gulf Federal Credit Union	Groves, TX	$349M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Library Of Congress Federal Credit Union	Washington, DC	$338M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Massmutual Federal Credit Union	Springfield, MA	$344M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members Plus Federal Credit Union	Medford, MA	$349M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Michigan United Federal Credit Union	Auburn Hills, MI	$349M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Oregonians Federal Credit Union	Milwaukie, OR	$339M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pinal County Federal Credit Union	Casa Grande, AZ	$339M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Prince George'S Community Federal Credit Union	Bowie, MD	$337M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Red Rocks Federal Credit Union	Littleton, CO	$344M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sag-Aftra Federal Credit Union	Burbank, CA	$336M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Siouxland Federal Credit Union	South Sioux City, NE	$352M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Solidarity Community Federal Credit Union	Kokomo, IN	$351M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Telcomm Federal Credit Union	Springfield, MO	$338M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Transportation Federal Credit Union	Alexandria, VA	$346M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Unitedone Federal Credit Union	Manitowoc, WI	$348M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Us Community Federal Credit Union	Nashville, TN	$346M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
West Virginia Central Federal Credit Union	Parkersburg, WV	$341M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $2 (29%) below the median of similar-sized credit unions.

Its published price is $5, against a peer median of $7 among 13 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

Strata Federal Credit Uni…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

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.

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 Strata 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: $344K
vs prior quarter: +$22K+6.8%; from Q1 2026
vs a year earlier: +$8K+2.4%; from Q2 2025
vs start of range: +$33K+10.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Strata 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	$344K	+$22K	+6.8%
Q1 2026	$322K	−$12K	−3.6%
Q4 2025	$334K	−$35K	−9.5%
Q3 2025	$369K	+$33K	+9.8%
Q2 2025	$336K	$0	0.0%
Q1 2025	$336K	+$36K	+12.0%
Q4 2024	$300K	−$11K	−3.5%
Q3 2024	$311K	+$18K	+6.1%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Monthly service fee (audience not stated, treated as personal)$5
per month
Below Minimum Balance Fee (Money Market) (minimum balance $2,500.00) monthly$5
per month
Inactive Account Fee – Monthly Fee$5
per month
Account Balancing and Research 1 Hour$25
Return Mail Fee$5

Overdraft & NSF

Courtesy Pay Fee – Per Item ( charges not to exceed $90 per day)$15
per item
Insufficient Funds Fee – Per Item$15
per item
Returned Item Fee$15
Overdraft Transfer (Share)$5

ATM & Card

Replacement Debit/Credit Card$10
Debit/Credit Card Rush Fee$25
International Service Assessment Fee (Debit and Credit Cards)1%

Wire Transfers

Wire Transfer Fee – Outgoing Domestic$25
Wire Transfer Fee – Incoming$10

Check Services

Cashier Check Written to 3rd Party$3
Money Order$3
Stop Payment Fee – Share Draft and ACH$20
Starter Checks$2

Cash & Deposit

Coin Counter2%

Account Services

Levy$30
Subordination Fee$100
Verification of Deposit$10

Gift & Prepaid Cards

Visa Gift Card$4

Other Fees

Account Activity Printout/Statement Copy$2
Check or Document Copy$2
Instant Loan Application Fee (Approved or Declined)$20
Right Now Loan Application Fee (Approved or Declined)$20
Skip-A-Pay Fee$30

Fee	Amount	Basis	Note
Account Maintenance
Monthly service fee (audience not stated, treated as personal)	$5	per month	None
Below Minimum Balance Fee (Money Market) (minimum balance $2,500.00) monthly	$5	per month	None
Inactive Account Fee – Monthly Fee	$5	per month	None
Account Balancing and Research 1 Hour	$25	Not stated	None
Return Mail Fee	$5	Not stated	None
Overdraft & NSF
Courtesy Pay Fee – Per Item ( charges not to exceed $90 per day)	$15	per item	None
Insufficient Funds Fee – Per Item	$15	per item	None
Returned Item Fee	$15	Not stated	None
Overdraft Transfer (Share)	$5	Not stated	None
ATM & Card
Replacement Debit/Credit Card	$10	Not stated	None
Debit/Credit Card Rush Fee	$25	Not stated	None
International Service Assessment Fee (Debit and Credit Cards)	1%	Not stated	None
Wire Transfers
Wire Transfer Fee – Outgoing Domestic	$25	Not stated	None
Wire Transfer Fee – Incoming	$10	Not stated	None
Check Services
Cashier Check Written to 3rd Party	$3	Not stated	None
Money Order	$3	Not stated	None
Stop Payment Fee – Share Draft and ACH	$20	Not stated	None
Starter Checks	$2	Not stated	None
Cash & Deposit
Coin Counter	2%	Not stated	None
Account Services
Levy	$30	Not stated	None
Subordination Fee	$100	Not stated	None
Verification of Deposit	$10	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$4	Not stated	None
Other Fees
Account Activity Printout/Statement Copy	$2	Not stated	None
Check or Document Copy	$2	Not stated	None
Instant Loan Application Fee (Approved or Declined)	$20	Not stated	None
Right Now Loan Application Fee (Approved or Declined)	$20	Not stated	None
Skip-A-Pay Fee	$30	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

Correct a fee source

Oct 22, 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

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