Compared with California
2 of 15
compared fees are above the median.
8 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
31st percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 15 compared; 8 below, 5 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for Kaiperm 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. | Kaiperm Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 4.6% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (31st 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 $70K in Q2 2026, 19% above the same quarter a year earlier ($59K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 15 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.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
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 rose 6.1% from Q3 2025 to Q2 2026, to $70K. Its share of revenue, 4.6%, is below the 7.2% median for credit unions with under $300M in assets.
$70K
Kaiperm 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.
Kaiperm Federal Credit Union · $108M 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Kaiperm Federal Credit Union(this institution) | Walnut Creek, CA | $108M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Advanced Financial Federal Credit Union | New Providence, NJ | $107M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Advantage Federal Credit Union | Newton, IA | $106M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ascension Federal Credit Union | Gonzales, LA | $108M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bay Area Federal Credit Union | Oregon, OH | $108M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cherokee Strip Federal Credit Union | Ponca City, OK | $106M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Farmway Federal Credit Union | Beloit, KS | $107M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First California Federal Credit Union | Fresno, CA | $110M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Eagle Federal Credit Union | Owings Mills, MD | $109M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Greater Pittsburgh Police Federal Credit Union | Pittsburgh, PA | $110M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hibbing Cooperative Federal Credit Union | Hibbing, MN | $109M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lassen County Federal Credit Union | Susanville, CA | $107M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Membersfirst Ct Federal Credit Union | Meriden, CT | $107M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Membersown Federal Credit Union | Lincoln, NE | $109M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Onenebraska Federal Credit Union | Columbus, NE | $107M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Palco Fcu Federal Credit Union | Muncy, PA | $109M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rancho Federal Credit Union | Downey, CA | $109M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Raritan Bay Federal Credit Union | Sayreville, NJ | $108M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Roanoke Valley Community Federal Credit Union | Roanoke, VA | $107M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rockdale Federal Credit Union | Rockdale, TX | $108M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Seaport Federal Credit Union | Elizabeth, NJ | $110M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Local Federal Credit Union | Sterling Heights, MI | $107M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Valley 1St Community Federal Credit Union | Monessen, PA | $107M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vue Community Federal Credit Union | Bismarck, ND | $106M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Weld Community Federal Credit Union | Greeley, CO | $110M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Worcester Federal Credit Union | Worcester, MA | $107M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 14 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
Kaiperm 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 Kaiperm 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 | $70K | +$3K | +4.5% |
| Q1 2026 | $67K | +$1K | +1.5% |
| Q4 2025 | $66K | $0 | 0.0% |
| Q3 2025 | $66K | +$7K | +11.9% |
| Q2 2025 | $59K | −$6K | −9.2% |
| Q1 2025 | $65K | −$4K | −5.8% |
| Q4 2024 | $69K | +$6K | +9.5% |
| Q3 2024 | $63K | +$4K | +6.8% |
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, Kaiperm 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 Kaiperm Federal Credit Union by share.
Amounts from Kaiperm Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Close Account within 90 days of opening | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Reconciliation Assistance | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Statement Charge | $5Not compared: Per-occurrence charge, not monthly | per item | None |
Overdraft & NSF | |||
| Research Paid Item | $6Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Item Returned for Insufficient Funds (NSF) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Third Party ATM Balance Inquiry | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement Debit Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit/Credit Card Rush Fee | $50Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| International Transaction Fee | 1%of the transaction | Not stated | None |
| International Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer (outgoing) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Wire Transfer (outgoing) | $35Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Teller Check Payable to Third Party (waived for rent or mortgage checks) | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment: Official Check | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment: Series of Checks | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment: Single Item | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposit Item Returned Unpaid | $20Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary for Credit Union Documents | $15Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Other Service Charges Applicable to All Accounts: Notary for Credit Union Documents | $15Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Subpoena or Research of Records | $24Not compared: Charged per hour; comparison unavailable | per hour | None |
| Written Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment on Visa Credit Card | $10Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Photocopies | $0.20Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Transaction Photocopy | $6Above the U.S. middle 50% ($2 to $5 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 31, 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 Kaiperm 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
| Walnut Creek, CA | 2 |
Largest competitors nearby
Local market: Contra Costa county, CA, around its headquarters.
| 43 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 29% |
| JPMorgan Chase Bank, National Association | 16.6% |
| Bank of America, National Association | 13.5% |
| BMO Bank National Association | 11.1% |
| Mechanics Bank | 6.2% |
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.