Embold Federal Credit Union

Headquarters: Oregon City, Oregon
Charter: Credit Union
Assets: $595.7M
Fed district: San Francisco
Regulator: NCUA

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

Source: its fee schedule, read Oct 8, 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 8, 2026

How these figures are measured

Call-report figures are for Embold 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.	Embold Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 8, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Embold 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 $480K in Q2 2026, 3.2% above the same quarter a year earlier ($465K).
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.

Overdraft (OD)
Embold Federal Credit Union: $12
Embold Federal Credit Union: $12
U.S. median: no median
NSF / Returned Item
Embold Federal Credit Union: $12
Embold Federal Credit Union: $12
U.S. median: no median
Non-Network ATM
Embold Federal Credit Union: $1.50
Embold Federal Credit Union: $1.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 8, 2026View sources

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.

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).
Oregon: Banks and credit unions headquartered in Oregon 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 fell 3.6% from Q3 2025 to Q2 2026, to $480K.

Fee income, Q2 2026

$480K

$498KQ3 2025

$497KQ4 2025

$468KQ1 2026

$480KQ2 2026

Against the median

Embold 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

Embold Federal Credit Union · $596M 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 15 states.

Credit unions only
$572M to $621M in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Embold Federal Credit Union(this institution)	Oregon City, OR	$596M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Argent Federal Credit Union	Chesterfield, VA	$572M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Ascentra Federal Credit Union	Bettendorf, IA	$596M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Associated Credit Union of Texas	League City, TX	$588M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cabrillo Federal Credit Union	San Diego, CA	$574M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Central Willamette Federal Credit Union	Albany, OR	$618M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Diversified Members Federal Credit Union	Detroit, MI	$589M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Dugood Federal Credit Union	Beaumont, TX	$609M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dupage Federal Credit Union	Naperville, IL	$600M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Education First Federal Credit Union	Beaumont, TX	$583M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Educators Federal Credit Union	Waco, TX	$610M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fairmont Federal Credit Union	Fairmont, WV	$603M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Firelands Federal Credit Union	Bellevue, OH	$580M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First New York Federal Credit Union	Albany, NY	$574M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heartland Federal Credit Union	Springfield, IL	$574M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
I-C Federal Credit Union	Fitchburg, MA	$583M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
I.L.W.U. Federal Credit Union	Long Beach, CA	$608M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Minnco Federal Credit Union	Cambridge, MN	$605M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
National Police Federal Credit Union	Chicago, IL	$621M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Securityplus Federal Credit Union	Baltimore, MD	$597M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Siu Federal Credit Union	Carbondale, IL	$591M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Southpoint Financial Federal Credit Union	Sleepy Eye, MN	$609M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Tech Federal Credit Union	Crown Point, IN	$599M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Transcend Federal Credit Union	Louisville, KY	$588M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Union Square Credit Union	Wichita Falls, TX	$601M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Via Credit Union	Marion, IN	$604M	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 · 13 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Embold Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 13 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

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

Embold Federal Credit Uni…Peer (equal prices stack)Peer median

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.

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 Embold 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: $480K
vs prior quarter: +$12K+2.6%; from Q1 2026
vs a year earlier: +$15K+3.2%; from Q2 2025
vs start of range: +$15K+3.2%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Embold 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	$480K	+$12K	+2.6%
Q1 2026	$468K	−$29K	−5.8%
Q4 2025	$497K	−$1K	−0.2%
Q3 2025	$498K	+$33K	+7.1%
Q2 2025	$465K	+$14K	+3.1%
Q1 2025	$451K	−$12K	−2.6%
Q4 2024	$463K	−$2K	−0.4%
Q3 2024	$465K	+$38K	+8.9%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Embold Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Inactive Fee$10
per month
Required for all: Paper Statement Fee$3
Returned Mail/Unknown$10
Not compared: Annual charge, not monthly
per year

Overdraft & NSF

Overdraft Fee$12
Non-Sufficient Funds (NSF)$12
Overdraft Transfer FeeNo charge

ATM & Card

Non-Network ATM Transactions$1.50
per item

Wire Transfers

Wire Transfer - International$15

Check Services

Corporate Check Fee$5
per item
Stop Payment$12
per item
Temporary Check Fee$4
per item

Digital & Electronic

Bill PayNo charge

Account Services

Legal Process$40

Other Fees

Copy of Visa Debit/Credit: Incoming$8
per item
Statement Copy$1
per item
Lien Release Fee. Oregon$159

Fee	Amount	Basis	Note
Account Maintenance
Inactive Fee	$10	per month	None
Required for all: Paper Statement Fee	$3	Not stated	None
Returned Mail/Unknown	$10Not compared: Annual charge, not monthly	per year	None
Overdraft & NSF
Overdraft Fee	$12	Not stated	None
Non-Sufficient Funds (NSF)	$12	Not stated	None
Overdraft Transfer Fee	No charge	Not stated	None
ATM & Card
Non-Network ATM Transactions	$1.50	per item	None
Wire Transfers
Wire Transfer - International	$15	Not stated	None
Check Services
Corporate Check Fee	$5	per item	None
Stop Payment	$12	per item	None
Temporary Check Fee	$4	per item	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Account Services
Legal Process	$40	Not stated	None
Other Fees
Copy of Visa Debit/Credit: Incoming	$8	per item	None
Statement Copy	$1	per item	None
Lien Release Fee. Oregon	$159	Not stated	None

Correct a fee source

Oct 8, 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

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