Downey Federal Credit Union

Headquarters: Downey, California
Charter: Credit Union
Assets: $327.9M
Fed district: San Francisco
Regulator: NCUA

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

Source: its fee schedule, read Oct 5, 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 5, 2026

How these figures are measured

Call-report figures are for Downey 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.	Downey Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 5, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Downey 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 $193K in Q2 2026, 16% above the same quarter a year earlier ($167K).
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.

Monthly Maintenance
Shield Advantage Checking Account $5.95 · Shield Elite Checking Account $9.95
Compared at $7.95, the middle of its prices
Downey Federal Credit Union: $5.95 to $9.95
Downey Federal Credit Union: $5.95 to $9.95
U.S. median: no median
NSF / Returned Item
Downey Federal Credit Union: $25
Downey Federal Credit Union: $25
U.S. median: no median
Non-Network ATM
Downey Federal Credit Union: $1
Downey Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

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.

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).
California: Banks and credit unions headquartered in California 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 25% from Q3 2025 to Q2 2026, to $193K.

Fee income, Q2 2026

$193K

$259KQ3 2025

$199KQ4 2025

$172KQ1 2026

$193KQ2 2026

Against the median

Downey 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

Downey Federal Credit Union · $328M 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.

Credit unions only
$320M to $337M in assets
Headquartered in 14 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
Downey Federal Credit Union(this institution)	Downey, CA	$328M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
360 Federal Credit Union	Windsor Locks, CT	$324M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Access Federal Credit Union	Clinton, NY	$320M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Actors Federal Credit Union	New York, NY	$331M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dannemora Federal Credit Union	Plattsburgh, NY	$320M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Downeast Federal Credit Union	Baileyville, ME	$330M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Evolve Federal Credit Union	El Paso, TX	$323M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Families And Schools Together Federal Credit Union	Hanford, CA	$330M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
First Northern Federal Credit Union	Chicago, IL	$333M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fort Worth City Federal Credit Union	Fort Worth, TX	$337M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Glass City Federal Credit Union	Maumee, OH	$326M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Minnesota Valley Federal Credit Union	Mankato, MN	$329M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Nassau Financial Federal Credit Union	East Meadow, NY	$334M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Nebraska Energy Federal Credit Union	Columbus, NE	$328M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
New Hampshire Federal Credit Union	Concord, NH	$332M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
People'S Alliance Federal Credit Union	Hauppauge, NY	$322M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Riverfront Federal Credit Union	Wyomissing, PA	$320M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Riverland Federal Credit Union	New Orleans, LA	$320M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sag-Aftra Federal Credit Union	Burbank, CA	$336M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Secny Federal Credit Union	Syracuse, NY	$323M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Soo Co-Op Federal Credit Union	Sault Sainte Marie, MI	$324M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Synergy Federal Credit Union	San Antonio, TX	$334M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tucoemas Federal Credit Union	Visalia, CA	$332M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Ume Federal Credit Union	Burbank, CA	$328M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Teletech Financial Federal Credit Union	Tinton Falls, NJ	$328M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Vacationland Federal Credit Union	Sandusky, OH	$327M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

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

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

Fee type

Peer pricing snapshot

Monthly maintenance is $2.45 (45%) above the median of similar-sized credit unions.

Compared at $7.95, the middle of its two prices, against a peer median of $5.50 among 16 publishing peers.

Its two checking prices are $5.95 and $9.95.

$7.95 is a comparison price, not a fee anyone is charged.

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 26, 2026.

Monthly maintenance fee in dollars, one mark per institution

Downey Federal Credit Uni…: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

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 Oct 26, 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 Downey 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: $193K
vs prior quarter: +$21K+12.2%; from Q1 2026
vs a year earlier: +$26K+15.6%; from Q2 2025
vs start of range: +$5K+2.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Downey 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	$193K	+$21K	+12.2%
Q1 2026	$172K	−$27K	−13.6%
Q4 2025	$199K	−$60K	−23.2%
Q3 2025	$259K	+$92K	+55.1%
Q2 2025	$167K	+$10K	+6.4%
Q1 2025	$157K	−$24K	−13.3%
Q4 2024	$181K	−$7K	−3.7%
Q3 2024	$188K	+$25K	+15.3%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Shield Advantage Checking Account Monthly service charge$5.95
per month
Shield Elite Checking Account Monthly service charge$9.95
per month
Account Closure Fee (Within 6 months of opening)$10
Dormancy Fee (For accounts with 12-months of no activity)$3
per month
Escheat Property Fee$2
Account Reconciliation/Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statements$2
per month

Overdraft & NSF

Check Returned Unpaid Item (NSF)$25
per item
Insufficient Bill Pay Request Fee (NSF)$25
per item
NSF Withdrawal Fee$25

ATM & Card

Foreign ATM Fee (Non-DFCU, Non-CO-OP ATMs)$1
per transaction
Excessive Card Replacement (more than 2 in a 12-month period)$5
per item
Debit & Credit Rush Card Replacement$25
per item

Wire Transfers

Wire Transfer: Domestic$20
per item
Wire Transfer: International$30
per item

Check Services

Non-Member Check Cashing on DFCU Account$5
Copy of a Check$4
per item

Digital & Electronic

ACH Debit Returned Unpaid (NSF)$25
per item
Online Bill PayNo charge

Cash & Deposit

Credit Card Annual Fee, Cash Advance FeeNo charge
Not compared: Annual charge, not per item
per year
Deposit Item Returned Unpaid$10
per item

Account Services

Notary Services: Non-Members$15
per item
Key Replacement$50
Not compared: Box drilling or key fee
IRS Tax Levy and Writ of Execution$25
per item

Lending Fees

Credit Card Late Payment Fee$20
per item

Retirement & IRA

IRA Transfer (Transfer of IRA to another financial institution)$20

Other Fees

FlashCash Loan Application Fee$20
per item
Payday Alternative Loan Application Fee$20
per item

Fee	Amount	Basis	Note
Account Maintenance
Shield Advantage Checking Account Monthly service charge	$5.95	per month	None
Shield Elite Checking Account Monthly service charge	$9.95	per month	None
Account Closure Fee (Within 6 months of opening)	$10	Not stated	None
Dormancy Fee (For accounts with 12-months of no activity)	$3	per month	None
Escheat Property Fee	$2	Not stated	None
Account Reconciliation/Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statements	$2	per month	None
Overdraft & NSF
Check Returned Unpaid Item (NSF)	$25	per item	None
Insufficient Bill Pay Request Fee (NSF)	$25	per item	None
NSF Withdrawal Fee	$25	Not stated	None
ATM & Card
Foreign ATM Fee (Non-DFCU, Non-CO-OP ATMs)	$1	per transaction	None
Excessive Card Replacement (more than 2 in a 12-month period)	$5	per item	None
Debit & Credit Rush Card Replacement	$25	per item	None
Wire Transfers
Wire Transfer: Domestic	$20	per item	None
Wire Transfer: International	$30	per item	None
Check Services
Non-Member Check Cashing on DFCU Account	$5	Not stated	None
Copy of a Check	$4	per item	None
Digital & Electronic
ACH Debit Returned Unpaid (NSF)	$25	per item	None
Online Bill Pay	No charge	Not stated	None
Cash & Deposit
Credit Card Annual Fee, Cash Advance Fee	No chargeNot compared: Annual charge, not per item	per year	None
Deposit Item Returned Unpaid	$10	per item	None
Account Services
Notary Services: Non-Members	$15	per item	None
Key Replacement	$50Not compared: Box drilling or key fee	Not stated	None
IRS Tax Levy and Writ of Execution	$25	per item	None
Lending Fees
Credit Card Late Payment Fee	$20	per item	None
Retirement & IRA
IRA Transfer (Transfer of IRA to another financial institution)	$20	Not stated	None
Other Fees
FlashCash Loan Application Fee	$20	per item	None
Payday Alternative Loan Application Fee	$20	per item	None

Correct a fee source

Oct 5, 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 Downey Federal Credit Union's foreign transaction changes in our data

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