Compared with California
12 of 19
compared fees are above the median.
4 below, 3 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
42nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 19 compared; 4 below, 3 about the same
See the feesFee schedule read Feb 17, 2026
Call-report figures are for Chaffey 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. | Chaffey 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 6.1% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (42nd 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 $184K in Q2 2026, 1.1% below the same quarter a year earlier ($186K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
12 of 19 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.
NSF / Returned Item
Monthly Maintenance
Chaffey Plus Checking
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 3.7% from Q3 2025 to Q2 2026, to $184K. Its share of revenue, 6.1%, is below the 7.2% median for credit unions with under $300M in assets.
$184K
Chaffey 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.
Chaffey Federal Credit Union · $230M 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 |
|---|---|---|---|---|---|---|---|
| Chaffey Federal Credit Union(this institution) | Upland, CA | $230M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bull Dog Federal Credit Union | Hagerstown, MD | $238M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cal-Com Federal Credit Union | Port Lavaca, TX | $226M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Campco Federal Credit Union | Gillette, WY | $228M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Capitol Federal Credit Union | Austin, TX | $234M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Carolina Foothills Federal Credit Union | Spartanburg, SC | $224M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Chrome Federal Credit Union | Canonsburg, PA | $224M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Clearpath Federal Credit Union | Burbank, CA | $229M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community First Guam Federal Credit Union | Hagatna, GU | $233M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Expedition Federal Credit Union | Mendota Heights, MN | $223M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Service Federal Credit Union | Groveport, OH | $236M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fort Mcclellan Federal Credit Union | Anniston, AL | $224M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Harris County Federal Credit Union | Houston, TX | $223M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hawaii Law Enforcement Federal Credit Union | Honolulu, HI | $230M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hometown Federal Credit Union | Kulm, ND | $223M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Midwest Members Federal Credit Union | Wood River, IL | $227M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| New Cumberland Federal Credit Union | New Cumberland, PA | $229M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northern Skies Federal Credit Union | Anchorage, AK | $232M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Pantex Federal Credit Union | Borger, TX | $233M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sabine Federal Credit Union | Orange, TX | $235M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| The People'S Federal Credit Union | Amarillo, TX | $229M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| True North Federal Credit Union | Juneau, AK | $236M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| U S #1364 Federal Credit Union | Merrillville, IN | $222M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Urw Community Federal Credit Union | Danville, VA | $224M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Western Division Federal Credit Union | Williamsville, NY | $224M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Westex Community Federal Credit Union | Kermit, TX | $231M | Publishes Monthly maintenance | Out-of-network ATM not published | 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.
Peer pricing snapshot
Its published price is $6, against a peer median of $7 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 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 Chaffey 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 | $184K | −$7K | −3.7% |
| Q1 2026 | $191K | −$1K | −0.5% |
| Q4 2025 | $192K | +$1K | +0.5% |
| Q3 2025 | $191K | +$5K | +2.7% |
| Q2 2025 | $186K | +$2K | +1.1% |
| Q1 2025 | $184K | −$9K | −4.7% |
| Q4 2024 | $193K | −$1K | −0.5% |
| Q3 2024 | $194K | +$26K | +15.5% |
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, Chaffey 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 Chaffey Federal Credit Union by share.
Amounts from Chaffey Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Chaffey Plus Checking Monthly service charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive fee (after 12 months) | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Unclaimed property/Escheat notification | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Paper statements | $3.50Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned Mail | $5Not compared: Hourly charge, not monthly | per hour | None |
Overdraft & NSF | |||
| Check paid (with Courtesy Pay) | $28Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| ATM insufficient funds | $28Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM transactions (Non-CO-OP ATM) | $2.50Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Reissue lost/damaged card | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire transfer domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire transfer international | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| ACH stop payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Draft stop payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop payment CU check | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check cashing non-member | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign item sent for collection | $40Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check copy | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of deposited item | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Account Services | |||
| Levy processing fee | $30Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Subpoena processing fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Verification of deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift cards | $1.50Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Copy of statement | $5Inside the U.S. middle 50% ($2 to $5 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 Chaffey Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Upland, CA | 2 |
| Rancho Cucamonga, CA | 1 |
| West Covina, CA | 1 |
Largest competitors nearby
Local market: San Bernardino county, CA, around its headquarters.
| 40 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 25.2% |
| Bank of America, National Association | 21.5% |
| Wells Fargo Bank, National Association | 15.3% |
| U.S. Bank National Association | 9.6% |
| Citizens Business Bank, National Association | 6.5% |
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.