Ontario Public Employees Federal Credit Union

Headquarters: Ontario, California
Charter: Credit Union
Assets: $23.2M
Fed district: San Francisco

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

Source: its fee schedule, read Feb 17, 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 Feb 17, 2026

How these figures are measured

Call-report figures are for Ontario Public Employees 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.	Ontario Public Employees Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Feb 17, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Ontario Public Employees 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 $12K in Q2 2026, 29% below the same quarter a year earlier ($17K).
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
REGULAR SHARE FEES
Ontario Public Employees Federal Credit Union: $5
Ontario Public Employees Federal Credit Union: $5
U.S. median: no median
NSF / Returned Item
Compared at $27.50, the middle of its prices
Ontario Public Employees Federal Credit Union: $25 to $30
Ontario Public Employees Federal Credit Union: $25 to $30
U.S. median: no median
Non-Network ATM
Compared at $1.50, the middle of its prices
Ontario Public Employees Federal Credit Union: $1 to $2
Ontario Public Employees Federal Credit Union: $1 to $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Feb 17, 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 7.7% from Q3 2025 to Q2 2026, to $12K.

Fee income, Q2 2026

$12K

$13KQ3 2025

$15KQ4 2025

$14KQ1 2026

$12KQ2 2026

Against the median

Ontario Public Employees 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

Ontario Public Employees Federal Credit Union · $23M 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 21 states.

Credit unions only
$22M to $24M in assets
Headquartered in 21 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
Ontario Public Employees Federal Credit Union(this institution)	Ontario, CA	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Advantage One Federal Credit Union	Morrison, IL	$24M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
American Pride Federal Credit Union	Altoona, PA	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bayou City Federal Credit Union	Houston, TX	$24M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Billerica Municipal Employees Federal Credit Union	Billerica, MA	$24M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Chattahoochee Federal Credit Union	Valley, AL	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Express Federal Credit Union	Seattle, WA	$23M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Financial Educators Federal Credit Union	Daytona Beach, FL	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Glynn County Federal Employees	Brunswick, GA	$23M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hamakua Federal Credit Union	Pepeekeo, HI	$23M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ibew/Sj Cascade Federal Credit Union	Salem, OR	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Local 804 Federal Credit Union	Port Washington, NY	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Main Impact Federal Credit Union	Murray, KY	$23M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Members 1St Federal Credit Union	Brattleboro, VT	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Mid-State Federal Credit Union	Carteret, NJ	$23M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mint Valley Federal Credit Union	Longview, WA	$24M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Priority Plus Federal Credit Union	Wilmington, DE	$23M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
S C I Federal Credit Union	Florence, SC	$24M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Strategic Federal Credit Union	Sterling, VA	$23M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tee-Pak Federal Credit Union	Danville, IL	$24M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Thiokol Elkton Federal Credit Union	Elkton, MD	$24M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Trades & Labor Federal Credit Union	Albert Lea, MN	$23M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Unite Federal Credit Union	Cedar Falls, IA	$24M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
West Penn P&P Federal Credit Union	Beaver, PA	$23M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Westmoreland Water Federal Credit Union	Greensburg, PA	$24M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wolf Point Federal Credit Union	Wolf Point, MT	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is broadly aligned with similar-sized credit unions: within 1% of their median.

Its published price is $5, against a peer median of $5 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.

Monthly maintenance fee in dollars, one mark per institution

Ontario Public Employees…Peer (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 Nov 1, 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 Ontario Public Employees 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: $12K
vs prior quarter: −$2K−14.3%; from Q1 2026
vs a year earlier: −$5K−29.4%; from Q2 2025
vs start of range: −$2K−14.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Ontario Public Employees 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	$12K	−$2K	−14.3%
Q1 2026	$14K	−$1K	−6.7%
Q4 2025	$15K	+$2K	+15.4%
Q3 2025	$13K	−$4K	−23.5%
Q2 2025	$17K	+$4K	+30.8%
Q1 2025	$13K	−$3K	−18.8%
Q4 2024	$16K	+$2K	+14.3%
Q3 2024	$14K	$0	0.0%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Monthly Service Fee$5
per month
Low Balance Fee$5
Dormant Account, per year$3
Not compared: Annual charge, not monthly
per year
Research Fee, one hour minimum$30

Overdraft & NSF

Bill Pay Non-Sufficient Fund$30
Non Sufficient Funds Transaction$25
Automatic Transfers from Shares, Overdraft Coverage$1

ATM & Card

ATM Excessve Withdrawal Fee$1
Foreign ATM Withdrawal (Free a Co-op Network)$2
Replace Lost Card$15

Wire Transfers

Wire Transfer, Outgoing$35
Wire Transfer, Incoming$10
Wire Transfer, International$40

Check Services

Stop Payment, ACH$25
Stop Payment, Credit Union check$30
Stop Payment, Member Share Draft$25
Collection Fee$20
Paid Draft Copy (Two free per month)$5
per item

Digital & Electronic

Bill Pay (First 60 days free)$5.95

Cash & Deposit

Coin Machine Fee (Rolled coin not accepted)7%
ATM Deposit Returned Item$20
Returned Deposited Items$15

Account Services

Notary Fee, Per Signature for Non Member$10
per item
Legal Processing Fee$35

Lending Fees

Late Fee$25

Retirement & IRA

IRA Transfer to another institution$25

Other Fees

Rush Delivery: Fed Ex$45
Rush Delivery: FedEx$45
Statement Copies$5

Fee	Amount	Basis	Note
Account Maintenance
Monthly Service Fee	$5	per month	None
Low Balance Fee	$5	Not stated	None
Dormant Account, per year	$3Not compared: Annual charge, not monthly	per year	None
Research Fee, one hour minimum	$30	Not stated	None
Overdraft & NSF
Bill Pay Non-Sufficient Fund	$30	Not stated	None
Non Sufficient Funds Transaction	$25	Not stated	None
Automatic Transfers from Shares, Overdraft Coverage	$1	Not stated	None
ATM & Card
ATM Excessve Withdrawal Fee	$1	Not stated	None
Foreign ATM Withdrawal (Free a Co-op Network)	$2	Not stated	None
Replace Lost Card	$15	Not stated	None
Wire Transfers
Wire Transfer, Outgoing	$35	Not stated	None
Wire Transfer, Incoming	$10	Not stated	None
Wire Transfer, International	$40	Not stated	None
Check Services
Stop Payment, ACH	$25	Not stated	None
Stop Payment, Credit Union check	$30	Not stated	None
Stop Payment, Member Share Draft	$25	Not stated	None
Collection Fee	$20	Not stated	None
Paid Draft Copy (Two free per month)	$5	per item	None
Digital & Electronic
Bill Pay (First 60 days free)	$5.95	Not stated	None
Cash & Deposit
Coin Machine Fee (Rolled coin not accepted)	7%	Not stated	None
ATM Deposit Returned Item	$20	Not stated	None
Returned Deposited Items	$15	Not stated	None
Account Services
Notary Fee, Per Signature for Non Member	$10	per item	None
Legal Processing Fee	$35	Not stated	None
Lending Fees
Late Fee	$25	Not stated	None
Retirement & IRA
IRA Transfer to another institution	$25	Not stated	None
Other Fees
Rush Delivery: Fed Ex	$45	Not stated	None
Rush Delivery: FedEx	$45	Not stated	None
Statement Copies	$5	Not stated	None

Correct a fee source

Feb 17, 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 Ontario Public Employees Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.