Compared with California
5 of 15
compared fees are above the median.
5 below, 5 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
86th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 15 compared; 5 below, 5 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for Certified 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. | Certified Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 13% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (86th 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 $2.0M in Q2 2026, 5.9% above the same quarter a year earlier ($1.9M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 15 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
Includes all Share Accounts
Overdraft (OD)
Compared at $32, its standard fee, the highest of its prices
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 9.4% from Q3 2025 to Q2 2026, to $2.0M. Its share of revenue, 13%, is above the 7.9% median for credit unions with $300M to $1B in assets.
$2.0M
Certified 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. *Overdraft: Listed at $5 to $32; we compare the highest.
Certified Federal Credit Union · $925M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Certified Federal Credit Union(this institution) | El Monte, CA | $925M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Abnb Federal Credit Union | Chesapeake, VA | $914M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Campus Federal Credit Union | Baton Rouge, LA | $936M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Community Choice Federal Credit Union | Johnston, IA | $923M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Community First Federal Credit Union | Santa Rosa, CA | $921M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Resource Federal Credit Union | Baytown, TX | $930M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 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 |
| Fortera Federal Credit Union | Clarksville, TN | $947M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gather Federal Credit Union | Lihue, HI | $934M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Granite Federal Credit Union | Salt Lake City, UT | $918M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greenwood Federal Credit Union | Warwick, RI | $957M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Hoosier Hills Federal Credit Union | Bedford, IN | $938M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Houston Federal Credit Union | Sugar Land, TX | $952M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | 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 |
| 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 |
| Numark Federal Credit Union | Joliet, IL | $932M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nutmeg State Financial Federal Credit Union | Rocky Hill, CT | $916M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oklahoma'S Federal Credit Union | Oklahoma City, OK | $954M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Qualstar Federal Credit Union | Bothell, WA | $939M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Tlc Community Federal Credit Union | Adrian, MI | $950M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| True Community Federal Credit Union | Jackson, MI | $955M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 12 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
Certified 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 Certified 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 | $2.0M | +$30K | +1.6% |
| Q1 2026 | $1.9M | −$78K | −3.9% |
| Q4 2025 | $2.0M | −$155K | −7.2% |
| Q3 2025 | $2.2M | +$312K | +16.8% |
| Q2 2025 | $1.9M | +$45K | +2.5% |
| Q1 2025 | $1.8M | −$148K | −7.6% |
| Q4 2024 | $2.0M | +$152K | +8.4% |
| Q3 2024 | $1.8M | +$53K | +3.0% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Certified 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 Certified Federal Credit Union by share.
Amounts from Certified Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Escheat Processing Fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Research Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned Mail Fee | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Checking account overdraft fee | $5Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Courtesy Pay Fee (per item) | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF/UCF Returned Item (Includes all Share Accounts) | $32Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Card Replacement Fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Card Fee | $20Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Foreign Transaction Fees | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer: Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Non-Member Cashing On-Us Check | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Retrieval and copy of paid check (2 free per statement cycle) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposit Item | $20Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Processing of Legal Documents (Levy) | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer to Another Institution | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Photocopy Services (per page) | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Line of Credit cancellation fee | $400Above the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
| Line of Credit Overdraft Protection | $5Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 16, 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 Certified Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
12 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Brea, CA | 1 |
| Commerce, CA | 1 |
| Costa Mesa, CA | 1 |
| Diamond Bar, CA | 1 |
| El Monte, CA | 1 |
| Fullerton, CA | 1 |
| Granada Hills, CA | 1 |
| Los Angeles, CA | 1 |
Largest competitors nearby
Local market: Los Angeles county, CA, around its headquarters.
| 172 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 19% |
| Bank of America, National Association | 15.4% |
| Wells Fargo Bank, National Association | 11.7% |
| City National Bank | 10% |
| East West Bank | 7.4% |
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.