Compared with California
8 of 18
compared fees are above the median.
7 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
16th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 18 compared; 7 below, 3 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for San Francisco 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 452 credit unions with $1B to $10B 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. | San Francisco Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 3.5% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (16th 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 $710K in Q2 2026, 34% above the same quarter a year earlier ($528K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 18 compared published fees sit above the California median; 7 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
Overdraft (OD)
Wire Transfer (Domestic Out)
Compared at $46.50, the middle of its prices
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 30% from Q3 2025 to Q2 2026, to $710K. Its share of revenue, 3.5%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$710K
San Francisco 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
San Francisco Federal Credit Union · $1.6B 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| San Francisco Federal Credit Union(this institution) | San Francisco, CA | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alabama One Federal Credit Union | Tuscaloosa, AL | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Allsouth Federal Credit Union | Columbia, SC | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Aloha Pacific Federal Credit Union | Honolulu, HI | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Collins Community Federal Credit Union | Cedar Rapids, IA | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Credit Union 1 | Anchorage, AK | $1.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Dade County Federal Credit Union | Sweetwater, FL | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Del Norte Federal Credit Union | Los Alamos, NM | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Financial Plus Federal Credit Union | Flint, MI | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Community Federal Credit Union | Jamestown, ND | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Firstlight Federal Credit Union | El Paso, TX | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Frontwave Federal Credit Union | Oceanside, CA | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Greater Nevada Federal Credit Union | Carson City, NV | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kemba Federal Credit Union | West Chester, OH | $1.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Merck Employees Federal Credit Union | Rahway, NJ | $1.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Mid-Hudson Valley Federal Credit Union | Kingston, NY | $1.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Northrop Grumman Federal Credit Union | Gardena, CA | $1.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| One Nevada Federal Credit Union | Las Vegas, NV | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| San Francisco Fire Federal Credit Union | San Francisco, CA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Skyla Federal Credit Union | Charlotte, NC | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Truwest Federal Credit Union | Scottsdale, AZ | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| United Heritage Federal Credit Union | Austin, TX | $1.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| University of Va Community Credit Union | Charlottesville, VA | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Utilities Employees Federal Credit Union | Reading, PA | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Verve, A Credit Union | Oshkosh, WI | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Webster First Federal Credit Union | Worcester, MA | $1.5B | 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 · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5.95 among 15 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
San Francisco 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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for San Francisco 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 | $710K | −$64K | −8.3% |
| Q1 2026 | $774K | +$4K | +0.5% |
| Q4 2025 | $770K | −$246K | −24.2% |
| Q3 2025 | $1.0M | +$488K | +92.4% |
| Q2 2025 | $528K | −$127K | −19.4% |
| Q1 2025 | $655K | +$160K | +32.3% |
| Q4 2024 | $495K | −$7K | −1.4% |
| Q3 2024 | $502K | +$37K | +8.0% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, San Francisco 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 San Francisco Federal Credit Union by share.
Amounts from San Francisco Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dollar Amount Escheat Notice | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Escheat Notice | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Reclamation of Escheated Funds | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statements | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Address Locator Service | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
| SAVINGS ACCOUNTS AND ASSOCIATED FEES: Address Locator Services | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Paid NSF Item (Courtesy Pay) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned NSF Item | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection Transfer from Shares | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Overdraft Protection Transfer from Shares (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Debit Card Foreign Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | per month | None |
| Debit Card Foreign Transaction Fee (Foreign Currency) (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
| Debit Card Foreign Transaction Fee (US Dollar) (audience not stated, treated as personal) | 0.8%of the transaction | Not stated | None |
Wire Transfers | |||
| Outgoing Wire (Domestic) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Wire (in US Dollars; not converted) | $68Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Outgoing Wire (in foreign currency) | $48Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Check | No chargeBelow the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Bill Pay Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment (ACH and Check) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payments and Renewals (ACH and Check Draft) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks | $4Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Bill Pay Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Transactions (2 free check copies per month) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Paid Check Copies (2 free per month) (audience not stated, treated as personal) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Transaction Copies (2 free check copies per month) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay Overnight | $25Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Returned Deposit | $25Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Levy or Writ Processing | $30Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Vehicle & Title | |||
| DMV Documentation and Transfer | $20Inside the U.S. middle 50% ($15 to $49.34 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statements | $2Not compared: Monthly charge, not per item | per month | None |
| Statement Copy | $2Not compared: Monthly charge, not per item | per month | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 15, 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 San Francisco Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
8 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| San Francisco, CA | 6 |
| Burlingame, CA | 1 |
| Redwood City, CA | 1 |
Largest competitors nearby
Local market: San Francisco county, CA, around its headquarters.
| 52 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 65.4% |
| Wells Fargo Bank, National Association | 14.6% |
| JPMorgan Chase Bank, National Association | 6.2% |
| Bank of America California, National Association | 3.6% |
| Citibank, National Association | 1.7% |
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.