Compared with California
6 of 20
compared fees are above the median.
11 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
27th percentile; peer median 5.1%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 20 compared; 11 below, 3 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Redwood 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 22 credit unions with $10B to $50B 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. | Redwood Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 3.0% of revenue, below the 5.1% median of 22 credit unions with $10B to $50B in assets (27th 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 $4.9M in Q2 2026, 19% below the same quarter a year earlier ($6.0M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 20 compared published fees sit above the California median; 11 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
Compared at $7, the middle of its prices
Overdraft (OD)
Wire Transfer (Domestic Out)
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 21% from Q3 2025 to Q2 2026, to $4.9M. Its share of revenue, 3.0%, is below the 5.1% median for credit unions with $10B to $50B in assets.
$4.9M
Redwood 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 22 credit unions with $10B to $50B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Redwood Credit Union · $10.7B 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 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Redwood Credit Union(this institution) | Santa Rosa, CA | $10.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bellco Federal Credit Union | Greenwood Village, CO | $8.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Broadview Federal Credit Union | Albany, NY | $9.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Delta Community Federal Credit Union | Atlanta, GA | $9.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Desert Financial Federal Credit Union | Phoenix, AZ | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Dfcu Financial Federal Credit Union | Dearborn, MI | $8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Eastman Federal Credit Union | Kingsport, TN | $10.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Esl Federal Credit Union | Rochester, NY | $10.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Global Federal Credit Union | Anchorage, AK | $13B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Greenstate Federal Credit Union | North Liberty, IA | $10.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Logix Federal Credit Union | Valencia, CA | $9.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Members 1St Federal Credit Union | Enola, PA | $8.7B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Michigan State University Federal Credit Union | East Lansing, MI | $8.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Midflorida Federal Credit Union | Lakeland, FL | $9.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Onpoint Community Federal Credit Union | Portland, OR | $9.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Patelco Federal Credit Union | Dublin, CA | $9.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pennsylvania State Employees Federal Credit Union | Harrisburg, PA | $9.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Redstone Federal Credit Union | Huntsville, AL | $8.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| San Diego County Federal Credit Union | San Diego, CA | $9.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Space Coast Federal Credit Union | Melbourne, FL | $9.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Star One Federal Credit Union | Sunnyvale, CA | $9.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Summit Federal Credit Union | Madison, WI | $8.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Teachers Federal Credit Union | Smithtown, NY | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| United Nations Federal Credit Union | Long Island City, NY | $10.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Veridian Federal Credit Union | Waterloo, IA | $9.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wright-Patt Credit Union, Inc. | Beavercreek, OH | $9.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 $7.45 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 Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Redwood 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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Redwood 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 | $4.9M | +$121K | +2.5% |
| Q1 2026 | $4.8M | +$3.8M | +377.4% |
| Q4 2025 | $995K | −$5.2M | −84.0% |
| Q3 2025 | $6.2M | +$207K | +3.5% |
| Q2 2025 | $6.0M | +$505K | +9.2% |
| Q1 2025 | $5.5M | −$1.7M | −23.8% |
| Q4 2024 | $7.2M | +$3.7M | +105.6% |
| Q3 2024 | $3.5M | −$847K | −19.5% |
Financial cohort: 23 credit unions with $10B to $50B in assets filing for Q2 2026; 22 reported a share above 0% and are counted, Redwood 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 Redwood Credit Union by share.
Amounts from Redwood Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month · Applies to Regular Checking and Direct Access Checking. Can be waived by maintaining $75.00 balance on last day of month or enrolling in Round Up & Save and/or Simple Save program with active checking account (3+ transactions/month).
per item
per hour
per item
per item
per item
per item · For returned checks and ACH transactions. May be presented more than once by company/merchant
per item · Per presentment
per item
per item · In-branch or by phone
per item
per item · Self-service in digital banking
per item · Payable to 3rd party
per item
per item · First sheet free; $4.00 per sheet of 4 thereafter
per item
per item · Statements, checks, etc. - 2 free copies of checks written by you per statement period
per item
per item
per item · $15.00 per signature for all other documents
per item
per year
per year · 3" x 5" box
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Minimum Balance Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | Applies to Regular Checking and Direct Access Checking. Can be waived by maintaining $75.00 balance on last day of month or enrolling in Round Up & Save and/or Simple Save program with active checking account (3+ transactions/month). |
| Escheatment Notification | $2Below the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Record Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statements | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per item | None |
Overdraft & NSF | |||
| Overdraft Pay Advantage | $14Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds | $7Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Non-Sufficient Funds (NSF) Fee | $7Below the U.S. middle 50% ($25 to $32 nationally) | per item | For returned checks and ACH transactions. May be presented more than once by company/merchant |
| Overdraft/Non-Sufficient Fund Overdraft Pay Advantage Fee | $14Below the U.S. middle 50% ($25 to $32 nationally) | per item | Per presentment |
ATM & Card | |||
| Replacement Visa Debit (ATM) Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | One FREE per year / $5.00 each thereafter |
| Replacement Visa Debit (ATM) Card One | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic outgoing wire transfer (in-branch or by phone) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Domestic Outgoing Wire Transfer (In-Branch or Phone) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | In-branch or by phone |
| Domestic outgoing wire transfer (self-service in digital banking) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Domestic Outgoing Wire Transfer (Self-Service) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | Self-service in digital banking |
Check Services | |||
| Official Checks | $6Inside the U.S. middle 50% ($3 to $6 nationally) | per item | Payable to 3rd party |
| Stop Payment | $22Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks | $4Inside the U.S. middle 50% ($1 to $4 nationally) | per item | First sheet free; $4.00 per sheet of 4 thereafter |
| Temporary Checks First sheet free | $4Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Photocopies | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | Statements, checks, etc. - 2 free copies of checks written by you per statement period |
| Photocopies (Statements, checks, etc.) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Expedited Payment through Bill Pay | $29.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Return of Cashed/Deposited Items from Self | $22Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary Services - Other Documents | $15Above the U.S. middle 50% ($0 to $5 nationally) | per item | $15.00 per signature for all other documents |
| Notary Services RCU documents Free / | $15Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Drilling | $250Not compared: Box drilling or key fee | Not stated | None |
| Extra Large: 10" x 10" | $120Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Large: 5" x 10" | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Medium: 3" x 10" | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Replace Lost Key | $25Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Annual Rent - Small | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | 3" x 5" box |
| Safe Deposit Box Key Replacement | $25Not compared: Box drilling or key fee | per item | None |
| Processing Legal Documents (Levies, etc.) | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Processing Legal Documents | $75Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
| Verification of Deposit | $20Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Other Fees | |||
| Photocopies | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Loan Payments by Phone | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Nov 1, 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 Redwood Credit Union operates, and what regulators and customers have on file.
Branch footprint
23 offices in 1 state (June 30, 2026)
Each dot is one office.
22 of 23 offices on the map. 1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Santa Rosa, CA | 4 |
| Napa, CA | 3 |
| Petaluma, CA | 2 |
| American Canyon, CA | 1 |
| Cloverdale, CA | 1 |
| Lower Lake, CA | 1 |
| Mill Valley, CA | 1 |
| Novato, CA | 1 |
Largest competitors nearby
Local market: Sonoma county, CA, around its headquarters.
| 17 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 24.5% |
| Poppy Bank | 17.8% |
| Exchange Bank | 13.8% |
| JPMorgan Chase Bank, National Association | 11.8% |
| Bank of America, National Association | 9.9% |
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.