Puget Sound Refinery Federal Credit Union

Headquarters: Anacortes, Washington
Charter: Credit Union
Assets: $15.6M
Fed district: San Francisco
Regulator: NCUA

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

Source: its fee schedule, read Oct 27, 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 27, 2026

How these figures are measured

Call-report figures are for Puget Sound Refinery 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.	Puget Sound Refinery Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 27, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Puget Sound Refinery 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, 15% above the same quarter a year earlier ($13K).
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.

Wire Transfer (Domestic Out)
Puget Sound Refinery Federal Credit Union: $35
Puget Sound Refinery Federal Credit Union: $35
U.S. median: no median
Stop Payment
Puget Sound Refinery Federal Credit Union: $37
Puget Sound Refinery Federal Credit Union: $37
U.S. median: no median
Wire Transfer (Domestic In)
Puget Sound Refinery Federal Credit Union: $20
Puget Sound Refinery Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 27, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Washington, 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).
Washington: Banks and credit unions headquartered in Washington 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 rose 15% from Q3 2025 to Q2 2026, to $15K.

Fee income, Q2 2026

$15K

$13KQ3 2025

$13KQ4 2025

$11KQ1 2026

$15KQ2 2026

Against the median

Puget Sound Refinery 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

Puget Sound Refinery Federal Credit Union · $16M in assets

Banks and credit unions in the Mount Vernon-Anacortes, WA metro

Banks and credit unions with branches in the Mount Vernon-Anacortes, WA metro: the local competitors for deposits and customers. They range from $315M to $4.1T in assets, so compare prices here, not size.

Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).

Banks and credit unions
$315M to $4.1T in assets
Headquartered in 6 states

See the 16 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Puget Sound Refinery Federal Credit Union(this institution)	Anacortes, WA	$16M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Bank of America, National Association	Charlotte, NC	$2.7T	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Banner Bank	Walla Walla, WA	$16.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Boeing Employees Federal Credit Union	Tukwila, WA	$29.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Columbia Bank	Roseburg, OR	$65.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Global Federal Credit Union	Anchorage, AK	$13B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Harborstone Federal Credit Union	Tacoma, WA	$3.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Heritage Bank	Olympia, WA	$8.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
JPMorgan Chase Bank, National Association	Columbus, OH	$4.1T	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
KeyBank National Association	Cleveland, OH	$188.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mountain Pacific Bank	Everett, WA	$896M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northwest Plus Federal Credit Union	Everett, WA	$315M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Peoples Bank	Bellingham, WA	$2.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
U.S. Bank National Association	Cincinnati, OH	$705.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
WaFd Bank	Seattle, WA	$27.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wells Fargo Bank, National Association	Sioux Falls, SD	$1.9T	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Whatcom Educational Federal Credit Union	Bellingham, WA	$3.4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

16 peers selected · 14 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Puget Sound Refinery Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $8 among 14 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

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

Puget Sound Refinery Fede…Peer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Compare local deposit competitors in Hamilton

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 Puget Sound Refinery 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: +$4K+36.4%; from Q1 2026
vs a year earlier: +$2K+15.4%; from Q2 2025
vs start of range: +$4K+36.4%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Puget Sound Refinery 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	+$4K	+36.4%
Q1 2026	$11K	−$2K	−15.4%
Q4 2025	$13K	$0	0.0%
Q3 2025	$13K	$0	0.0%
Q2 2025	$13K	+$3K	+30.0%
Q1 2025	$10K	−$3K	−23.1%
Q4 2024	$13K	+$2K	+18.2%
Q3 2024	$11K	$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 Puget Sound Refinery Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Dormant fee/month after 18 months of non-use$5
per month
Per month/quarter paper statement, members requesting after 05/01/18 or historical after 18mo$3
per month

ATM & Card

Debit Card Replacement Fee$10

Wire Transfers

Outgoing Domestic Wire fee$35
Incoming Domestic Wire fee$20

Check Services

Stop Payment fee on lost checks$37

Cash & Deposit

Returned item charge back fee$10

Lending Fees

Late fee on loans paid more than 15 days past the due date of the last day of the month$25

Other Fees

Home Equity Line of Credit (HELOC) loan application fee$750
Loan application fee$50
Skip a Pay fee$25

Fee	Amount	Basis	Note
Account Maintenance
Dormant fee/month after 18 months of non-use	$5	per month	None
Per month/quarter paper statement, members requesting after 05/01/18 or historical after 18mo	$3	per month	None
ATM & Card
Debit Card Replacement Fee	$10	Not stated	None
Wire Transfers
Outgoing Domestic Wire fee	$35	Not stated	None
Incoming Domestic Wire fee	$20	Not stated	None
Check Services
Stop Payment fee on lost checks	$37	Not stated	None
Cash & Deposit
Returned item charge back fee	$10	Not stated	None
Lending Fees
Late fee on loans paid more than 15 days past the due date of the last day of the month	$25	Not stated	None
Other Fees
Home Equity Line of Credit (HELOC) loan application fee	$750	Not stated	None
Loan application fee	$50	Not stated	None
Skip a Pay fee	$25	Not stated	None

Correct a fee source

Oct 27, 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 Puget Sound Refinery Federal Credit Union's foreign transaction changes in our data

We check once a day and send one email covering every change.