Compared with Oregon
4 of 12
compared fees are above the median.
3 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
53rd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Oregon median
of 12 compared; 3 below, 5 about the same
See the feesFee schedule read Oct 21, 2026
Call-report figures are for Emerald Empire 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 Oregon median | Published fees above the Oregon median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Emerald Empire Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 21, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.6% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (53rd 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 $31K in Q2 2026, 29% above the same quarter a year earlier ($24K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 12 compared published fees sit above the Oregon median; 3 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 Oregon medians for fees published by banks and credit unions.
NSF / Returned Item
Foreign Transaction
Stop Payment
A blank median means fewer than 5 publish the fee.
Each amount links to the fee schedule it was read from. Medians for Oregon, 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 3.3% from Q3 2025 to Q2 2026, to $31K. Its share of revenue, 7.6%, is above the 7.2% median for credit unions with under $300M in assets.
$31K
Emerald Empire 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.
Emerald Empire Federal Credit Union · $29M 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 |
|---|---|---|---|---|---|---|---|
| Emerald Empire Federal Credit Union(this institution) | Springfield, OR | $29M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Alloy Federal Credit Union | Alloy, WV | $30M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Artesian Federal Credit Union | Leesburg, GA | $29M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bridgeport Police Federal Credit Union | Bridgeport, CT | $30M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Butler County Teachers Federal Credit Union | Butler, PA | $29M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Canandaigua Federal Credit Union | Canandaigua, NY | $29M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Casebine Community Federal Credit Union | Burlington, IA | $29M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Coweta Cities & County Employees Federal Credit Union | Newnan, GA | $28M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Florida A & M University Federal Credit Union | Tallahassee, FL | $28M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Government Printing Office Federal Credit Union | Washington, DC | $29M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Highway Alliance Federal Credit Union | Jefferson city, MO | $30M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Htm Federal Credit Union | Haverhill, MA | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lakes Federal Credit Union | Monticello, IN | $28M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Latvian Cleveland Federal Credit Union | Lakewood, OH | $28M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Malden Federal Credit Union | Malden, MA | $29M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Mattel Federal Credit Union | El Segundo, CA | $28M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mississippi Public Employees Federal Credit Union | Jackson, MS | $29M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Rocket Federal Credit Union | McGregor, TX | $28M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rushmore Electric Federal Credit Union | Rapid City, SD | $29M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Slo Federal Credit Union | San Luis Obispo, CA | $29M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Southern Teachers & Parents Federal Credit Union | Baton Rouge, LA | $29M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Associations Of Professionals Federal Credit Union | San Antonio, TX | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Tri-Lakes Federal Credit Union | Saranac Lake, NY | $29M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Union Fidelity Federal Credit Union | Houston, TX | $28M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| United Federal Credit Union | Tyler, TX | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wee Federal Credit Union | Parkersburg, WV | $29M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(out-of-network atm)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1 among 8 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.
Out-of-network ATM fee in dollars, one mark per institution
Emerald Empire Federal Credit Union does not publish an out-of-network atm 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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Emerald Empire 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 | $31K | +$1K | +3.3% |
| Q1 2026 | $30K | −$2K | −6.3% |
| Q4 2025 | $32K | +$2K | +6.7% |
| Q3 2025 | $30K | +$6K | +25.0% |
| Q2 2025 | $24K | +$3K | +14.3% |
| Q1 2025 | $21K | +$1K | +5.0% |
| Q4 2024 | $20K | +$1K | +5.3% |
| Q3 2024 | $19K | −$3K | −13.6% |
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, Emerald Empire 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 Emerald Empire Federal Credit Union by share.
Amounts from Emerald Empire Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per month
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive Account / Dormant Account | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation/Research | $40Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address Fee - Undeliverable or Incorrect Address | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Bill Payment NSF Fee or Stop Payment Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Non–Sufficient Funds Fee (NSF) - Checks or Electronic Items | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer from Accounts/Loans | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Replacement Fee VISA EMB Debit Card | $25Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Currency Conversion Fee | 1%of the transaction | Not stated | None |
| Foreign Transaction Fee, Using Visa Check Card | No chargeInside the U.S. middle 50% ($0 to $2.38 nationally) | Not stated | None |
Wire Transfers | |||
| IBAN International Wire Fees | $10Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Stop Payment-Personal Checks or Corporate Draft | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Foreign Item Collection - Bond/Coupon Bond/Foreign Checks | $15Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copies | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Coin Processing Fee | 5% | Not stated | None |
Account Services | |||
| Garnishment/Levy Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Retirement & IRA | |||
| IRA Account Closure (Within 90 Days) | $30Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Copies | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 21, 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 Emerald Empire Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Eugene, OR | 1 |
| Springfield, OR | 1 |
Largest competitors nearby
Local market: Lane county, OR, around its headquarters.
| 19 in its local market | Deposit share |
|---|---|
| Columbia Bank | 20.5% |
| U.S. Bank National Association | 17.5% |
| Wells Fargo Bank, National Association | 10.6% |
| Summit Bank | 10.3% |
| JPMorgan Chase Bank, National Association | 9.5% |
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.