Compared with California
16 of 25
compared fees are above the median.
5 below, 4 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
69th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 25 compared; 5 below, 4 about the same
See the feesFee schedule read Oct 26, 2026
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) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M 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. | 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
Fee income was 10% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (69th 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 $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.
16 of 25 compared published fees sit above the California median; 5 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
Overdraft (OD)
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 fell 2.6% from Q3 2025 to Q2 2026, to $37K. Its share of revenue, 10%, is above the 7.2% median for credit unions with under $300M in assets.
$37K
Capstone 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 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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 Oct 31, 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.
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 Capstone 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 | $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% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Capstone 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 Capstone Federal Credit Union by share.
Amounts from Capstone Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant/Inactive Fee (Monthly) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $50Above the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Returned Mail with no return address | $10Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft Fee Charge | $33Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Debits reversed/returned due to insufficient funds | $33Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Automatic Overdraft from eligible account | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per transaction | None |
ATM & Card | |||
| Replacement Card (Each), Reissue or Lost/Stolen (each) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Express Card Order(2 day RUSH) | $100Above the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Wire – Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per transaction | None |
| Wire – Incoming | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per transaction | None |
| Wire – International | $45Inside the U.S. middle 50% ($40 to $50 nationally) | per transaction | None |
Check Services | |||
| Cashier’s Check | $10Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Cashiers Checks - Cash or from funds on deposit with CFCU | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Money Orders (Up to $1,000.00) | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| ACH Stop Payment Fee, Each Occurance | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Request (Good for 6 months) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks (10 pack) | $5Above the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Collection Item (Foreign or Domestic) | $35Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Copies of Checks (CU assisted) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copies of Checks (online) | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay Service | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | 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 | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Returned Deposited Item Fee | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary | $15Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Notary Fees - CFCU Document | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Levies, i.e. Child Support, IRS, EDD, Liens | $35Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Verification of Depost (VOD’s) by lender | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Lending Fees | |||
| Late Fee | $25Inside the U.S. middle 50% ($15 to $25 nationally) | per item | None |
Other Fees | |||
| Fed Ex (2 Business Day) | $50Above the U.S. middle 50% ($20 to $40 nationally) | per item | None |
| Statement Copy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Auto Loan tracking fee( one time fee) | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
| Lien Satisfied | $5Below the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
| Loan Modification Fee (No Advance Requirement) | $50Above the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
| ReConveyance Fee (Mortgages) | $195Above the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
| Returned Check Fee on loan payments | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Skip Payment Fee (CFCU Loans Only) | $45Above the U.S. middle 50% ($20 to $37.50 nationally) | 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
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.
Where Capstone Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Aliso Viejo, CA | 1 |
Largest competitors nearby
Local market: Orange county, CA, around its headquarters.
| 91 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 19.5% |
| Wells Fargo Bank, National Association | 18.3% |
| Bank of America, National Association | 16.5% |
| U.S. Bank National Association | 6.1% |
| Citibank, National Association | 5.2% |
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.