Capstone Federal Credit Union

Headquarters: Aliso Viejo, California
Charter: Credit Union
Assets: $31.9M
Fed district: San Francisco
Regulator: NCUA

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

Source: its fee schedule, read Oct 26, 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 26, 2026

How these figures are measured

Call-report figures are for Capstone 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.	Capstone Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 26, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Capstone 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 $37K in Q2 2026, 5.1% below the same quarter a year earlier ($39K).
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.

Overdraft (OD)
Capstone Federal Credit Union: $33
Capstone Federal Credit Union: $33
U.S. median: no median
NSF / Returned Item
Capstone Federal Credit Union: $33
Capstone Federal Credit Union: $33
U.S. median: no median
Wire Transfer (Domestic Out)
Capstone Federal Credit Union: $25
Capstone Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 26, 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 2.6% from Q3 2025 to Q2 2026, to $37K.

Fee income, Q2 2026

$37K

$38KQ3 2025

$38KQ4 2025

$36KQ1 2026

$37KQ2 2026

Against the median

Capstone 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

Capstone Federal Credit Union · $32M 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.

Credit unions only
$31M to $33M in assets
Headquartered in 17 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
Capstone Federal Credit Union(this institution)	Aliso Viejo, CA	$32M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Baldwin County Federal Credit Union	Bay Minette, AL	$32M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Camp Shelby Federal Credit Union	Hattiesburg, MS	$32M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Carey Poverello Federal Credit Union	Carey, OH	$33M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cheyenne-Laramie County Employees Federal Credit Union	Cheyenne, WY	$32M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cincinnati Interagency Federal Credit Union	Cincinnati, OH	$31M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Etma Federal Credit Union	Louisville, TN	$31M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Faith Connection Federal Credit Union	Marietta, GA	$32M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gateway Federal Credit Union	Springfield, OR	$31M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Greenwich Municipal Employees Federal Credit Union	Greenwich, CT	$33M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Huntington C & O Railway Employees Federal Credit Union	Huntington, WV	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
K.U.M.C. Federal Credit Union	Shawnee, KS	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Lynchburg Municipal Employees Federal Credit Union	Lynchburg, VA	$31M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Meridian Mississippi Ang Federal Credit Union	Meridian, MS	$31M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mills42 Federal Credit Union	Lowell, MA	$32M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Neighborhood Community Federal Credit Union	Omaha, NE	$31M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Norwalk Hospital Federal Credit Union	Norwalk, CT	$33M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pagoda Federal Credit Union	Reading, PA	$33M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Patriot Equity Federal Credit Union	Jackson, TN	$33M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Questa Federal Credit Union	Questa, NM	$33M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Sunflower Community Federal Credit Union	Marysville, KS	$33M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Tangipahoa Parish Teachers Federal Credit Union	Amite, LA	$33M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Taupa Lithuanian Federal Credit Union	South Boston, MA	$32M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Tennessee Employees Federal Credit Union	Nashville, TN	$31M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
The Infirmary Federal Credit Union	Mobile, AL	$33M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Up Federal Credit Union	North Little Rock, AR	$32M	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 · 9 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

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

The peer median is $3 among 9 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 4, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

Capstone Federal Credit U…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 4, 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 Capstone 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: $37K
vs prior quarter: +$1K+2.8%; from Q1 2026
vs a year earlier: −$2K−5.1%; from Q2 2025
vs start of range: −$1K−2.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Capstone 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	$37K	+$1K	+2.8%
Q1 2026	$36K	−$2K	−5.3%
Q4 2025	$38K	$0	0.0%
Q3 2025	$38K	−$1K	−2.6%
Q2 2025	$39K	$0	0.0%
Q1 2025	$39K	−$8K	−17.0%
Q4 2024	$47K	+$9K	+23.7%
Q3 2024	$38K	$0	0.0%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Dormant/Inactive Fee (Monthly)$10
per month
Account Research$50
Returned Mail with no return address$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Fee Charge$33
per item
Debits reversed/returned due to insufficient funds$33
per item
Automatic Overdraft from eligible account$5
per transaction

ATM & Card

Replacement Card (Each), Reissue or Lost/Stolen (each)$10
per item
Express Card Order(2 day RUSH)$100
per item

Wire Transfers

Wire – Domestic$25
per transaction
Wire – Incoming$5
per transaction
Wire – International$45
per transaction

Check Services

Cashier’s Check$10
per item
Cashiers Checks - Cash or from funds on deposit with CFCU$5
per item
Money Order$5
Money Orders (Up to $1,000.00)$5
per item
ACH Stop Payment Fee, Each Occurance$25
per item
Stop Payment Request (Good for 6 months)$25
per item
Temporary Checks (10 pack)$5
per item
Collection Item (Foreign or Domestic)$35
per item
Copies of Checks (CU assisted)$5
per item
Copies of Checks (online)No charge

Digital & Electronic

Bill Pay ServiceNo charge

Cash & Deposit

Cash Advance Fee1%of the advance ($1 minimum)
Cash Advance Fee (audience not stated, treated as personal)1%of the advance ($1 minimum)
ATM Deposit Returned Item Fee, per item$30
per item
Returned Deposited Item Fee$30
per item

Account Services

Notary$15
per item
Notary Fees - CFCU DocumentNo charge
per item
Levies, i.e. Child Support, IRS, EDD, Liens$35
per item
Verification of Depost (VOD’s) by lender$10
per item

Lending Fees

Late Fee$25
per item

Other Fees

Fed Ex (2 Business Day)$50
per item
Statement Copy Fee$5
per item
Auto Loan tracking fee( one time fee)$10
one time
Lien Satisfied$5
one time
Loan Modification Fee (No Advance Requirement)$50
one time
ReConveyance Fee (Mortgages)$195
one time
Returned Check Fee on loan payments$30
per item
Skip Payment Fee (CFCU Loans Only)$45
per item

Fee	Amount	Basis	Note
Account Maintenance
Dormant/Inactive Fee (Monthly)	$10	per month	None
Account Research	$50	Not stated	None
Returned Mail with no return address	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Fee Charge	$33	per item	None
Debits reversed/returned due to insufficient funds	$33	per item	None
Automatic Overdraft from eligible account	$5	per transaction	None
ATM & Card
Replacement Card (Each), Reissue or Lost/Stolen (each)	$10	per item	None
Express Card Order(2 day RUSH)	$100	per item	None
Wire Transfers
Wire – Domestic	$25	per transaction	None
Wire – Incoming	$5	per transaction	None
Wire – International	$45	per transaction	None
Check Services
Cashier’s Check	$10	per item	None
Cashiers Checks - Cash or from funds on deposit with CFCU	$5	per item	None
Money Order	$5	Not stated	None
Money Orders (Up to $1,000.00)	$5	per item	None
ACH Stop Payment Fee, Each Occurance	$25	per item	None
Stop Payment Request (Good for 6 months)	$25	per item	None
Temporary Checks (10 pack)	$5	per item	None
Collection Item (Foreign or Domestic)	$35	per item	None
Copies of Checks (CU assisted)	$5	per item	None
Copies of Checks (online)	No charge	Not stated	None
Digital & Electronic
Bill Pay Service	No charge	Not stated	None
Cash & Deposit
Cash Advance Fee	1%of the advance ($1 minimum)	Not stated	None
Cash Advance Fee (audience not stated, treated as personal)	1%of the advance ($1 minimum)	Not stated	None
ATM Deposit Returned Item Fee, per item	$30	per item	None
Returned Deposited Item Fee	$30	per item	None
Account Services
Notary	$15	per item	None
Notary Fees - CFCU Document	No charge	per item	None
Levies, i.e. Child Support, IRS, EDD, Liens	$35	per item	None
Verification of Depost (VOD’s) by lender	$10	per item	None
Lending Fees
Late Fee	$25	per item	None
Other Fees
Fed Ex (2 Business Day)	$50	per item	None
Statement Copy Fee	$5	per item	None
Auto Loan tracking fee( one time fee)	$10	one time	None
Lien Satisfied	$5	one time	None
Loan Modification Fee (No Advance Requirement)	$50	one time	None
ReConveyance Fee (Mortgages)	$195	one time	None
Returned Check Fee on loan payments	$30	per item	None
Skip Payment Fee (CFCU Loans Only)	$45	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

Correct a fee source

Oct 26, 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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