Compared with California
12 of 23
compared fees are above the median.
4 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
60th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 23 compared; 4 below, 7 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Edwards 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. | Edwards Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.7% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (60th 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 $334K in Q2 2026, 0.6% above the same quarter a year earlier ($332K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
12 of 23 compared published fees sit above the California median; 4 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
Monthly Maintenance
Everything Checking $7 · Basic Checking $9 · Everything+ Checking $9
Compared at $9, the middle of its prices
Overdraft (OD)
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 fell 4.0% from Q3 2025 to Q2 2026, to $334K. Its share of revenue, 8.7%, is above the 7.2% median for credit unions with under $300M in assets.
$334K
Edwards 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. *Monthly maintenance: Listed at $7 to $9; we compare the midpoint.
Edwards Federal Credit Union · $277M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Edwards Federal Credit Union(this institution) | Edwards, CA | $277M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Allegent Community Federal Credit Union | Pittsburgh, PA | $281M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alltrust Federal Credit Union | Fairhaven, MA | $280M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Aneca Federal Credit Union | Shreveport, LA | $274M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Department Of The Interior Federal Credit Union | Washington, DC | $268M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| General Electric Employees Federal Credit Union | Milford, CT | $283M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gold Coast Federal Credit Union | Palm Springs, FL | $270M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heritage Community Federal Credit Union | Rancho Cordova, CA | $283M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Long Beach City Employees Federal Credit Union | Signal Hill, CA | $271M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Lormet Community Federal Credit Union | Amherst, OH | $283M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Marshland Federal Credit Union | Brunswick, GA | $273M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Members Trust Of The Southwest Federal Credit Union | Houston, TX | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Minnequa Works Federal Credit Union | Pueblo, CO | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Norstate Federal Credit Union | Madawaska, ME | $280M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Central Area Federal Credit Union | Houghton Lake, MI | $272M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Penn East Federal Credit Union | Scranton, PA | $280M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Penn State Federal Credit Union | Bellefonte, PA | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| People'S Community Federal Credit Union | Vancouver, WA | $269M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Puget Sound Cooperative Federal Credit Union | Bellevue, WA | $274M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Saint Lawrence Federal Credit Union | Ogdensburg, NY | $272M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Service One Federal Credit Union | Bowling Green, KY | $269M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Top Tier Federal Credit Union | Clarion, PA | $278M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| U S Postal Service Federal Credit Union | Clinton, MD | $280M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Unity One Federal Credit Union | Fort Worth, TX | $276M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Western Vista Federal Credit Union | Cheyenne, WY | $281M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Weststar Federal Credit Union | Las Vegas, NV | $273M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $9, the middle of its three prices, against a peer median of $7 among 11 publishing peers.
Its three checking prices are $7, $9 and $9.
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
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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Edwards 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 | $334K | +$2K | +0.6% |
| Q1 2026 | $332K | +$2K | +0.6% |
| Q4 2025 | $330K | −$18K | −5.2% |
| Q3 2025 | $348K | +$16K | +4.8% |
| Q2 2025 | $332K | +$25K | +8.1% |
| Q1 2025 | $307K | −$10K | −3.2% |
| Q4 2024 | $317K | +$18K | +6.0% |
| Q3 2024 | $299K | +$18K | +6.4% |
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, Edwards 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 Edwards Federal Credit Union by share.
Amounts from Edwards Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour · | Account Research/Reconciliation (per hr.) | $25.00 |
per item
per item
per item
per item
per item
per item
per item
per item
per year
per year
per year
per year
per year
per year
per hour · | Legal Processing (per hour, except if prohibited by Law) | $50.00 |
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Basic Checking Monthly service charge | $9Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Everything Checking Monthly service charge | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Everything+ Checking Monthly service charge | $9Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheat Notice | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research/Reconciliation (per hr.) | $25Not compared: Charged per hour; comparison unavailable | per hour | | Account Research/Reconciliation (per hr.) | $25.00 | |
| Returned Mail | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Privilege (each item) | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-sufficient Funds (NSF) (each) | $29Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Item | $29Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection (each item) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Special Handling (rejected ACH, Checks, ATM corrections) | $5Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Card Replacement (Debit) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Car Rush Mail Request | $35Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Domestic-Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer International-Outgoing | $50Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check (per check) | $7Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Corporate Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Request | $29Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (4 per page) | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Non-Member Check Cashing (each item) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Account Services | |||
| Notary Members (Per Signature) | $10Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Notary Non-Members (Per Signature) | $15Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| 10 x 10 (Annual Fee) | $120Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 10 x 16 (Annual Fee) | $150Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3 x 10 (Annual Fee) | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3 x 5 (Annual Fee) | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5 x 10 (Annual Fee) | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5 x 5 (Annual Fee) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Legal Processing (per hour, except if prohibited by Law) | $50Not compared: Charged per hour; comparison unavailable | per hour | | Legal Processing (per hour, except if prohibited by Law) | $50.00 | |
Lending Fees | |||
| Late Charge | $30Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Late Payment Fee | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Closure/Transfer | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Card (per card) | $3.50Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Copy of Credit Cards Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy Requests (of any type) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Modification Fee | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip-a-Payment | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Nov 2, 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 Edwards 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
| Edwards, CA | 1 |
| Palmdale, CA | 1 |
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.