Community First Federal Credit Union

Headquarters: Santa Rosa, California
Charter: Credit Union
Assets: $921.0M
Fed district: San Francisco
Regulator: NCUA

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

Source: its fee schedule, read Oct 10, 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 10, 2026

How these figures are measured

Call-report figures are for Community First 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.	Community First Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 10, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Community First 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 $966K in Q2 2026, 19% below the same quarter a year earlier ($1.2M).
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.

Monthly Maintenance
Local iChecking $6 · Local Trade Checking $10 · Local Trade Interest $15
Compared at $10, the middle of its prices
Community First Federal Credit Union: $6 to $15
Community First Federal Credit Union: $6 to $15
U.S. median: no median
Overdraft (OD)
Community First Federal Credit Union: $14
Community First Federal Credit Union: $14
U.S. median: no median
NSF / Returned Item
Community First Federal Credit Union: $14
Community First Federal Credit Union: $14
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 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 22% from Q3 2025 to Q2 2026, to $966K.

Fee income, Q2 2026

$966K

$1.2MQ3 2025

$1.2MQ4 2025

$977KQ1 2026

$966KQ2 2026

Against the median

Community First 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

Community First Federal Credit Union · $921M 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 18 states.

Credit unions only
$885M to $955M in assets
Headquartered in 18 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
Community First Federal Credit Union(this institution)	Santa Rosa, CA	$921M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Abnb Federal Credit Union	Chesapeake, VA	$914M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Campus Federal Credit Union	Baton Rouge, LA	$936M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cedar Point Federal Credit Union	Lexington Park, MD	$906M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Certified Federal Credit Union	El Monte, CA	$925M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Community Choice Federal Credit Union	Johnston, IA	$923M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Community Resource Federal Credit Union	Baytown, TX	$930M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Day Air Federal Credit Union	Kettering, OH	$909M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fortera Federal Credit Union	Clarksville, TN	$947M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Gather Federal Credit Union	Lihue, HI	$934M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Granite Federal Credit Union	Salt Lake City, UT	$918M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Hoosier Hills Federal Credit Union	Bedford, IN	$938M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Houston Federal Credit Union	Sugar Land, TX	$952M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Members First Federal Credit Union	Midland, MI	$905M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Merced School Employees Federal Credit Union	Merced, CA	$899M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
N C P D Federal Credit Union	Plainview, NY	$909M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Numark Federal Credit Union	Joliet, IL	$932M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Nutmeg State Financial Federal Credit Union	Rocky Hill, CT	$916M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Oklahoma'S Federal Credit Union	Oklahoma City, OK	$954M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Pelican Federal Credit Union	Baton Rouge, LA	$885M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Qualstar Federal Credit Union	Bothell, WA	$939M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sun Community Federal Credit Union	El Centro, CA	$896M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Sun East Federal Credit Union	Aston, PA	$909M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Texas Bay Federal Credit Union	Houston, TX	$905M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Tlc Community Federal Credit Union	Adrian, MI	$950M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
True Community Federal Credit Union	Jackson, MI	$955M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	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.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.50 (33%) above the median of similar-sized credit unions.

Compared at $10, the middle of its three prices, against a peer median of $7.50 among 11 publishing peers.

Its three checking prices are $6, $10 and $15.

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

Community First Federal C…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

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.

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 Community First 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: $966K
vs prior quarter: −$11K−1.1%; from Q1 2026
vs a year earlier: −$231K−19.3%; from Q2 2025
vs start of range: −$24K−2.4%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Community First 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	$966K	−$11K	−1.1%
Q1 2026	$977K	−$202K	−17.1%
Q4 2025	$1.2M	−$56K	−4.5%
Q3 2025	$1.2M	+$38K	+3.2%
Q2 2025	$1.2M	+$266K	+28.6%
Q1 2025	$931K	−$33K	−3.4%
Q4 2024	$964K	−$26K	−2.6%
Q3 2024	$990K	+$32K	+3.3%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Monthly fee - High balances-Local iChecking$6
per month
Monthly fee - Local Trade Checking$10
per month
Monthly fee - Local Trade Interest$15
per month
Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Undeliverable Mail / Locator fee$5
per month

Overdraft & NSF

$14 fee for each Courtesy Pay Transaction (audience not stated, treated as personal)$14
per transaction
Courtesy Pay (CPay)$14
Overdraft (OD) (audience not stated, treated as personal)$14
per item
Non-Sufficient Funds Fee (audience not stated, treated as personal)$14
Returned Item$14

ATM & Card

Replacement Card$10
RUSH Replacement Card$75

Check Services

Cashier’s Check$5
Money Order$3
Temporary Checks$2
Not compared: Charged per page; comparison unavailable
per page
NOTARY & MEDALLION (PER SIGNATURE) On-Us Check Cashing$5
per transaction

Cash & Deposit

Returned Deposit / Loan Payment$10
per item

Account Services

Safe Deposit Box 10x10$125
per year
Safe Deposit Box 2x5$20
per year
Safe Deposit Box 3x10$45
per year
Safe Deposit Box 3x5$25
per year
Safe Deposit Box 5x10$75
per year
Safe Deposit Box 5x5$40
per year
Safe Deposit Box 7x10$100
per year
Legal Documents$75

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee - High balances-Local iChecking	$6	per month	None
Monthly fee - Local Trade Checking	$10	per month	None
Monthly fee - Local Trade Interest	$15	per month	None
Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Undeliverable Mail / Locator fee	$5	per month	None
Overdraft & NSF
$14 fee for each Courtesy Pay Transaction (audience not stated, treated as personal)	$14	per transaction	None
Courtesy Pay (CPay)	$14	Not stated	None
Overdraft (OD) (audience not stated, treated as personal)	$14	per item	None
Non-Sufficient Funds Fee (audience not stated, treated as personal)	$14	Not stated	None
Returned Item	$14	Not stated	None
ATM & Card
Replacement Card	$10	Not stated	None
RUSH Replacement Card	$75	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Money Order	$3	Not stated	None
Temporary Checks	$2Not compared: Charged per page; comparison unavailable	per page	None
NOTARY & MEDALLION (PER SIGNATURE) On-Us Check Cashing	$5	per transaction	None
Cash & Deposit
Returned Deposit / Loan Payment	$10	per item	None
Account Services
Safe Deposit Box 10x10	$125	per year	None
Safe Deposit Box 2x5	$20	per year	None
Safe Deposit Box 3x10	$45	per year	None
Safe Deposit Box 3x5	$25	per year	None
Safe Deposit Box 5x10	$75	per year	None
Safe Deposit Box 5x5	$40	per year	None
Safe Deposit Box 7x10	$100	per year	None
Legal Documents	$75	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 10, 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

Get an email when Community First Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.