First California Federal Credit Union

Headquarters: Fresno, California
Charter: Credit Union
Assets: $109.7M
Fed district: San Francisco
Regulator: NCUA

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

Source: its fee schedule, read Oct 5, 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 Oct 5, 2026

How these figures are measured

Call-report figures are for First California 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.	First California Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 5, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: First California 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 $116K in Q2 2026, 20% below the same quarter a year earlier ($145K).
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.

Overdraft (OD)
First California Federal Credit Union: $27
First California Federal Credit Union: $27
U.S. median: no median
NSF / Returned Item
First California Federal Credit Union: $27
First California Federal Credit Union: $27
U.S. median: no median
Stop Payment
First California Federal Credit Union: $27
First California Federal Credit Union: $27
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 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 7.9% from Q3 2025 to Q2 2026, to $116K.

Fee income, Q2 2026

$116K

$126KQ3 2025

$125KQ4 2025

$118KQ1 2026

$116KQ2 2026

Against the median

First California 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

First California Federal Credit Union · $110M 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.

Credit unions only
$107M to $112M in assets
Headquartered in 17 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
First California Federal Credit Union(this institution)	Fresno, CA	$110M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	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
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
Chiphone Federal Credit Union	Elkhart, IN	$112M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Explorers Federal Credit Union	Yankton, SD	$112M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	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
Kaiperm Federal Credit Union	Walnut Creek, CA	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
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
Metrum Community Federal Credit Union	Centennial, CO	$112M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	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
Southwest 66 Federal Credit Union	Odessa, TX	$112M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Total Community Federal Credit Union	Taylor, MI	$111M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Trunorthern Federal Credit Union	Malone, NY	$112M	Monthly maintenance not published	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
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 · 12 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

First California Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $6 among 12 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

First California Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

First California Federal…Peer (equal prices stack)Peer median

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.

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 First California 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: $116K
vs prior quarter: −$2K−1.7%; from Q1 2026
vs a year earlier: −$29K−20.0%; from Q2 2025
vs start of range: −$2K−1.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: First California 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	$116K	−$2K	−1.7%
Q1 2026	$118K	−$7K	−5.6%
Q4 2025	$125K	−$1K	−0.8%
Q3 2025	$126K	−$19K	−13.1%
Q2 2025	$145K	+$43K	+42.2%
Q1 2025	$102K	−$29K	−22.1%
Q4 2024	$131K	+$13K	+11.0%
Q3 2024	$118K	−$2K	−1.7%

Fee-income share against its size cohort

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

Published fee schedule

Amounts from First California Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Escheatment Notice$2
Inactive Account$5
Not compared: Annual charge, not monthly
per year
Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Visa Debit Card Dispute (Of Valid Charges)$20

Overdraft & NSF

Courtesy Pay$27
per transaction
Returned ACH Debit$27
per item
Returned Item$27
per item

ATM & Card

Card Replacement Rush$40

Check Services

Money Order Purchase$3
ACH Stop Payments$27
Bill Pay Stop Payment$27
Stop Payment$27
Temporary Checks$2
per item
Check Cashing$5
Copy of Original Draft$5

Cash & Deposit

Returned Deposit Check$25

Account Services

Levy, Lien, Attachments or Execution$60
Processing or Handling of Misc. Legal Documents$25
Not compared: Charged per document; comparison unavailable
per document
Subordination Agreement$125

Vehicle & Title

Duplicate Title/Lien Satisfied$25

Other Fees

Copy of Statement$5
Photocopy$1

Fee	Amount	Basis	Note
Account Maintenance
Escheatment Notice	$2	Not stated	None
Inactive Account	$5Not compared: Annual charge, not monthly	per year	None
Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Visa Debit Card Dispute (Of Valid Charges)	$20	Not stated	None
Overdraft & NSF
Courtesy Pay	$27	per transaction	None
Returned ACH Debit	$27	per item	None
Returned Item	$27	per item	None
ATM & Card
Card Replacement Rush	$40	Not stated	None
Check Services
Money Order Purchase	$3	Not stated	None
ACH Stop Payments	$27	Not stated	None
Bill Pay Stop Payment	$27	Not stated	None
Stop Payment	$27	Not stated	None
Temporary Checks	$2	per item	None
Check Cashing	$5	Not stated	None
Copy of Original Draft	$5	Not stated	None
Cash & Deposit
Returned Deposit Check	$25	Not stated	None
Account Services
Levy, Lien, Attachments or Execution	$60	Not stated	None
Processing or Handling of Misc. Legal Documents	$25Not compared: Charged per document; comparison unavailable	per document	None
Subordination Agreement	$125	Not stated	None
Vehicle & Title
Duplicate Title/Lien Satisfied	$25	Not stated	None
Other Fees
Copy of Statement	$5	Not stated	None
Photocopy	$1	Not stated	None

Correct a fee source

Oct 5, 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

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