Compared with California
14 of 24
compared fees are above the median.
4 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
27th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 24 compared; 4 below, 6 about the same
See the feesFee schedule read Oct 4, 2026
Call-report figures are for Oceanair 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 569 credit unions with $300M to $1B 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. | Oceanair Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 4, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.7% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (27th 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 $730K in Q2 2026, 9.0% below the same quarter a year earlier ($802K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
14 of 24 compared published fees sit above the California median; 4 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.
NSF / Returned Item
Monthly Maintenance
Epic Student Checking $4 · Aspiria Checking $5 · Epic Checking $8 · Epic Premium Checking $10
Compared at $6.50, the middle of its prices
Overdraft (OD)
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 3.4% from Q3 2025 to Q2 2026, to $730K. Its share of revenue, 5.7%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$730K
Oceanair 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $4 to $10; we compare the midpoint.
Oceanair Federal Credit Union · $882M 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 |
|---|---|---|---|---|---|---|---|
| Oceanair Federal Credit Union(this institution) | Oxnard, CA | $882M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| All One Federal Credit Union | Leominster, MA | $881M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Ardent Federal Credit Union | Phila, PA | $869M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Atomic Federal Credit Union | Piketon, OH | $855M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Boulder Dam Federal Credit Union | Boulder City, NV | $872M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cedar Point Federal Credit Union | Lexington Park, MD | $906M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Central One Federal Credit Union | Shrewsbury, MA | $872M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cinfed Federal Credit Union | Cincinnati, OH | $863M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Communitywide Federal Credit Union | South Bend, IN | $874M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Day Air Federal Credit Union | Kettering, OH | $909M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heritage Family Federal Credit Union | Rutland, VT | $870M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hope Federal Credit Union | Jackson, MS | $881M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Maine Savings Federal Credit Union | Hampden, ME | $858M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members First Federal Credit Union | Midland, MI | $905M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Merced School Employees Federal Credit Union | Merced, CA | $899M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mid Minnesota Federal Credit Union | Baxter, MN | $858M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| N C P D Federal Credit Union | Plainview, NY | $909M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Pelican Federal Credit Union | Baton Rouge, LA | $885M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pfcu Federal Credit Union | Portland, MI | $873M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sacramento Federal Credit Union | Sacramento, CA | $858M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Skyone Federal Credit Union | Hawthorne, CA | $863M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southwest Airlines Federal Credit Union | Dallas, TX | $861M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sun Community Federal Credit Union | El Centro, CA | $896M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sun East Federal Credit Union | Aston, PA | $909M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texas Bay Federal Credit Union | Houston, TX | $905M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Triangle Federal Credit Union | Nashua, NH | $866M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $6.50, the middle of its four prices, against a peer median of $7.95 among 11 publishing peers.
Its four checking prices are $4, $5, $8 and $10.
$6.50 is a comparison price, not a fee anyone is charged.
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
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.
Call reports for Oceanair 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 | $730K | +$8K | +1.1% |
| Q1 2026 | $722K | −$120K | −14.3% |
| Q4 2025 | $842K | +$136K | +19.3% |
| Q3 2025 | $706K | −$96K | −12.0% |
| Q2 2025 | $802K | +$89K | +12.5% |
| Q1 2025 | $713K | +$30K | +4.4% |
| Q4 2024 | $683K | −$65K | −8.7% |
| Q3 2024 | $748K | +$45K | +6.4% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Oceanair 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 Oceanair Federal Credit Union by share.
Amounts from Oceanair Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per hour
per item
per item
per item
per item · For each page of temporary checks printed on more than 2 sheets of paper per year
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Aspiria Checking Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Epic Checking Monthly service charge | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Epic Premium Checking Monthly service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Epic Student Checking Monthly service charge | $4Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closure | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment Due Diligence Notice | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Dormant Account | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $60Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excess Transaction Fee An excess transaction fee on Savings & Money Market accounts that exceeds the 6-transaction limit | $10Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Overdraft Privilege (Courtesy Pay Program) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF – Non-Sufficient Funds | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Foreign ATM & Non-CO-OP Network ATM | $3Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Debit Card Replacement (Rush Order) | $50Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Domestic Wire Transfer Outgoing | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Domestic Wire Transfer Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Foreign Wire Transfer | $70Above the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Check & Corporate Check Purchases | $15Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $10Above the U.S. middle 50% ($1 to $4 nationally) | per item | For each page of temporary checks printed on more than 2 sheets of paper per year |
| Temporary Checks A fee of $10.00 for each page of temporary checks printed on more than 2 sheets of paper per year | $10Above the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Foreign Item & Cash Letter Processing | $35Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Collection Item | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Cash & Deposit | |||
| Coin Machine Redemption | 10% | Not stated | None |
| Phone Cash Advance | $10Inside the U.S. middle 50% ($2 to $10 nationally) | per transaction | None |
Account Services | |||
| Notary Service | $15Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Legal Attachments, Levies, and Garnishment Fee A fee of $60.00 for each notice we process | $60Inside the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
Retirement & IRA | |||
| Annual fee | $10Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA Direct Transfer | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Skip-a-Payment | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 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.
Where Oceanair Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Camarillo, CA | 1 |
| Oxnard, CA | 1 |
| Simi Valley, CA | 1 |
| Tehachapi, CA | 1 |
| Ventura, CA | 1 |
Largest competitors nearby
Local market: Ventura county, CA, around its headquarters.
| 24 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 26.4% |
| Wells Fargo Bank, National Association | 22.8% |
| Bank of America, National Association | 20.3% |
| U.S. Bank National Association | 8.6% |
| Citibank, National Association | 6% |
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.