Compared with California
6 of 23
compared fees are above the median.
8 below, 9 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
12th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 23 compared; 8 below, 9 about the same
See the feesFee schedule read Oct 18, 2026
Call-report figures are for East County Schools 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. | East County Schools Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 18, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 2.1% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (12th 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 $34K in Q2 2026, 17% above the same quarter a year earlier ($29K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 23 compared published fees sit above the California median; 8 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.
Monthly Maintenance
Regular Checking
Can be waived with a balance of $500 or more.
NSF / Returned Item
Compared at $15, the middle of its prices
Non-Network ATM
Compared at $2, the middle of its prices
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 was about level from Q3 2025 to Q2 2026, at $34K. Its share of revenue, 2.1%, is below the 7.2% median for credit unions with under $300M in assets.
$34K
East County Schools 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. *Non-network ATM: Listed at $1 to $3; we compare the midpoint.
East County Schools Federal Credit Union · $147M 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 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| East County Schools Federal Credit Union(this institution) | El Cajon, CA | $147M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Arkansas Best Federal Credit Union | Fort Smith, AR | $144M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Buffalo Metropolitan Federal Credit Union | Buffalo, NY | $144M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Celco Community Federal Credit Union | Narrows, VA | $144M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Cheney Federal Credit Union | Cheney, WA | $148M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community First Federal Credit Union | Lakeview, MI | $149M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Consumers Professional Federal Credit Union | Lansing, MI | $150M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Financialedge Federal Credit Union | Bay City, MI | $147M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Florida West Coast Federal Credit Union | Brandon, FL | $144M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Great Erie Federal Credit Union | Orchard Park, NY | $150M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hawaii County Employees Federal Credit Union | Hilo, HI | $148M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Heart Of Louisiana Federal Credit Union | Pineville, LA | $143M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jm Associates Federal Credit Union | Jacksonville, FL | $151M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lenco Federal Credit Union | Adrian, MI | $145M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Market USA Federal Credit Union | Laurel, MD | $142M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Maui Federal Credit Union | Kahului, HI | $146M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Meridia Community Federal Credit Union | Hamburg, NY | $144M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Alabama Educators Federal Credit Union | Huntsville, AL | $143M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Quantum Federal Credit Union | Wichita, KS | $143M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| R T P Federal Credit Union | Rtp, NC | $142M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Siskiyou Federal Credit Union | Yreka, CA | $144M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Syracuse Fire Department Employees Federal Credit Union | Syracuse, NY | $147M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The District Federal Credit Union | Aurora, CO | $148M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Town Of Hempstead Employees Federal Credit Union | North Baldwin, NY | $149M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tru Fi Federal Credit Union | Macclenny, FL | $146M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Xplore Federal Credit Union | Metairie, LA | $147M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $3, against a peer median of $5 among 10 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
Against this institution's monthly maintenance fee
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 East County Schools 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 | $34K | +$4K | +13.3% |
| Q1 2026 | $30K | −$2K | −6.3% |
| Q4 2025 | $32K | −$2K | −5.9% |
| Q3 2025 | $34K | +$5K | +17.2% |
| Q2 2025 | $29K | −$2K | −6.5% |
| Q1 2025 | $31K | −$2K | −6.1% |
| Q4 2024 | $33K | +$4K | +13.8% |
| Q3 2024 | $29K | +$5K | +20.8% |
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, East County Schools 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 East County Schools Federal Credit Union by share.
Amounts from East County Schools Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per page
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Fee (Regular Checking) | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closure within 90 days of opening | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Notice of Escheat | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research (per hour) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Undeliverable Mail (per mail piece) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Non-Sufficient Funds | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Check - non-sufficient funds, closed account, stop payment, fraudulent check | $15Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Check - stale dated checks and missing signature | $10Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer(s) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Non CO-OP ATM Balance Inquiry | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Non CO-OP ATM Monetary Transaction | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Card Replacement (1-3 replacements) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Card Replacement (after 3 replacements) | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Debit Card Replacement | $40Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Foreign Transaction Fee | 1%of the transaction | Not stated | None |
| Foreign Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire - Outgoing Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire - Outgoing International | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check - 3rd Party Payee | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier’s Check Stop Payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment - Check or ACH | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (per page) | $5Not compared: Charged per page; comparison unavailable | per page | None |
| Collection Item / Foreign Item | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy (After 2 free each month) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Non-Member Coin Counting Service (of total amount counted) | 5% | Not stated | None |
| Non-Member Coin Counting Service (of total amount counted) (audience not stated, treated as personal) | 5% | Not stated | None |
Account Services | |||
| Notary (Non-Credit Union Documents - per signature) | $15Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Levy / Garnishment / Legal Process | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| HELOC / 2nd Trust Deed Subordination | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Verification of Deposit (non ECSFCU Mortgage Loan) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late Charge | $15Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer to another Institution | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy (per statement) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Real Estate - Full Reconveyance | $45Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Real Estate - Payoff Demand | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | 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 18, 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 East County Schools 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
| El Cajon, CA | 1 |
| Menlo Park, CA | 1 |
Largest competitors nearby
Local market: San Diego county, CA, around its headquarters.
| 55 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 20.2% |
| Axos Bank | 17.1% |
| Wells Fargo Bank, National Association | 15.5% |
| Bank of America, National Association | 11.7% |
| U.S. Bank National Association | 8.6% |
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.