Compared with California
3 of 20
compared fees are above the median.
10 below, 7 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
8th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 20 compared; 10 below, 7 about the same
See the feesFee schedule read Feb 17, 2026
Call-report figures are for Employees Choice 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. | Employees Choice 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
Fee income was 1.3% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (8th 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 $4K in Q2 2026, about level with the same quarter a year earlier ($4K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 20 compared published fees sit above the California median; 10 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.
Non-Network ATM
Compared at $1.13, the middle of its prices
Overdraft (OD)
NSF / Returned Item
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 33% from Q3 2025 to Q2 2026, to $4K. Its share of revenue, 1.3%, is below the 7.2% median for credit unions with under $300M in assets.
$4K
Employees Choice 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 $1.25; we compare the midpoint.
Employees Choice Federal Credit Union · $25M 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Employees Choice Federal Credit Union(this institution) | El Cajon, CA | $25M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alliance Niagara Federal Credit Union | Sanborn, NY | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ang Federal Credit Union | Birmingham, AL | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Attleboro M E Federal Credit Union | Attleboro, MA | $25M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| 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 |
| Dillard'S Federal Credit Union | Little Rock, AR | $25M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| District #6 Federal Credit Union | Hornell, NY | $25M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Energize Federal Credit Union | Oklahoma City, OK | $25M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Highway Crossroads Federal Credit Union | Sikeston, MO | $24M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Honeywell Philadelphia Div Federal Credit Union | Ft Washington, PA | $24M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Howard County Education Federal Credit Union | Ellicott City, MD | $25M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Jersey Central Federal Credit Union | Cranford, NJ | $25M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Kennedy Va Employees Federal Credit Union | Memphis, TN | $24M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Legacy Federal Credit Union | Joplin, MO | $25M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Monroe County Teachers Federal Credit Union | Key West, FL | $24M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| N.F.G. #2 Federal Credit Union | Warren, PA | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ny Firefighters Bravest Federal Credit Union | albany, NY | $24M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ok Members First Federal Credit Union | Tulsa, OK | $24M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| P & S Federal Credit Union | Salt Lake City, UT | $25M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Reliance Federal Credit Union | Kansas City, KS | $25M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Rim Country Federal Credit Union | Snowflake, AZ | $25M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Shared Resources Federal Credit Union | Pasadena, TX | $25M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sylvania Area Federal Credit Union | Sylvania, OH | $24M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | 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 |
| Texas People Federal Credit Union | Fort Worth, TX | $24M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 9 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 15, 2026.
Monthly maintenance fee in dollars, one mark per institution
Employees Choice 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 15, 2026. Total assets from FDIC and NCUA records.
Call reports for Employees Choice 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 | $4K | +$1K | +33.3% |
| Q1 2026 | $3K | −$1K | −25.0% |
| Q4 2025 | $4K | +$1K | +33.3% |
| Q3 2025 | $3K | −$1K | −25.0% |
| Q2 2025 | $4K | +$1K | +33.3% |
| Q1 2025 | $3K | $0 | 0.0% |
| Q4 2024 | $3K | −$1K | −25.0% |
| Q3 2024 | $4K | +$1K | +33.3% |
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, Employees Choice 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 Employees Choice Federal Credit Union by share.
Amounts from Employees Choice Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per item
per item
per hour
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure (open less than 90 days) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Monthly Inactive Account (after 12 months) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Unclaimed Funds State Escheat Notification | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research (per hour) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail/Invalid Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay (item paid against incoming funds) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Return Item (non-sufficient funds/NSF) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer (share or line of credit) | $2Inside 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 | $1.25Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement Card (first replacement free) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer (outgoing) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (incoming) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashiers Check (payable to account holder) | No chargeBelow the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashiers Check (payable to third party) | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment (each item or sequential series) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment/Cashiers Check | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Copy (paid, deposited, or cashiers) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| VISA Sales Draft Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Return Deposit Item (including ATM) | $20Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary (credit union documents only) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary (per signature, non-credit union documents) | $10Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Levy/Lien Processing | $10Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Legal Document Processing (per hour plus copy fee) | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
| Subordination | $75Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Lending Fees | |||
| Late Fee (at 15 days) | $20Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Account Statement Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photo Copies/Fax Services (per page) | $0.25Not compared: Charged per page; comparison unavailable | per page | None |
| Visa Statement Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Mini/Auto Equity Loan Processing | $50Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Other Lending Fee | $500Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
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.
Where Employees Choice 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 |
| La Mesa, 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.