Siskiyou Federal Credit Union

Headquarters: Yreka, California
Charter: Credit Union
Assets: $144.3M
Fed district: San Francisco
Regulator: NCUA

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

Source: its fee schedule, read Nov 1, 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 Nov 1, 2026

How these figures are measured

Call-report figures are for Siskiyou 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.	Siskiyou Federal 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

Details

Source: NCUA 5300 call report
Entity: Siskiyou 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 $164K in Q2 2026, 15% below the same quarter a year earlier ($193K).
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
Account Research
Can be waived with a balance of $25 or more.
Siskiyou Federal Credit Union: $5
Siskiyou Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
Siskiyou Federal Credit Union: $14
Siskiyou Federal Credit Union: $14
U.S. median: no median
NSF / Returned Item
Siskiyou Federal Credit Union: $14
Siskiyou Federal Credit Union: $14
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 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 18% from Q3 2025 to Q2 2026, to $164K.

Fee income, Q2 2026

$164K

$201KQ3 2025

$182KQ4 2025

$152KQ1 2026

$164KQ2 2026

Against the median

Siskiyou 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

Siskiyou Federal Credit Union · $144M 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
$140M to $148M 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
Siskiyou Federal Credit Union(this institution)	Yreka, CA	$144M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Arkansas Best Federal Credit Union	Fort Smith, AR	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Buffalo Metropolitan Federal Credit Union	Buffalo, NY	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Celco Community Federal Credit Union	Narrows, VA	$144M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Central Missouri Community Federal Credit Union	Warrensburg, MO	$140M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Cheney Federal Credit Union	Cheney, WA	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Community Powered Federal Credit Union	Bear, DE	$142M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
East County Schools Federal Credit Union	El Cajon, CA	$147M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Financialedge Federal Credit Union	Bay City, MI	$147M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Florida West Coast Federal Credit Union	Brandon, FL	$144M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hawaii County Employees Federal Credit Union	Hilo, HI	$148M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Heart Of Louisiana Federal Credit Union	Pineville, LA	$143M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lenco Federal Credit Union	Adrian, MI	$145M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Market USA Federal Credit Union	Laurel, MD	$142M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Maui Federal Credit Union	Kahului, HI	$146M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Meridia Community Federal Credit Union	Hamburg, NY	$144M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Alabama Educators Federal Credit Union	Huntsville, AL	$143M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pacific Horizon Federal Credit Union	Springville, UT	$141M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Quantum Federal Credit Union	Wichita, KS	$143M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
R T P Federal Credit Union	Rtp, NC	$142M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Syracuse Fire Department Employees Federal Credit Union	Syracuse, NY	$147M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The District Federal Credit Union	Aurora, CO	$148M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Tru Fi Federal Credit Union	Macclenny, FL	$146M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Wcla Federal Credit Union	Olympia, WA	$142M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
West Virginia Federal Credit Union	South Charleston, WV	$142M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Xplore Federal Credit Union	Metairie, LA	$147M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is broadly aligned with similar-sized credit unions: within 1% of their median.

Compared at $5, the middle of its two prices, against a peer median of $5 among 9 publishing peers.

Its two checking prices are $5 and $5.

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 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Siskiyou Federal Credit U…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer medianInclude 3 outliers ($2.50, $10, $12.50)Shown past the axis break, not to scale, so the rest of the set has room.

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 Nov 2, 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 Siskiyou 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: $164K
vs prior quarter: +$12K+7.9%; from Q1 2026
vs a year earlier: −$29K−15.0%; from Q2 2025
vs start of range: −$32K−16.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Siskiyou 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	$164K	+$12K	+7.9%
Q1 2026	$152K	−$30K	−16.5%
Q4 2025	$182K	−$19K	−9.5%
Q3 2025	$201K	+$8K	+4.1%
Q2 2025	$193K	$0	0.0%
Q1 2025	$193K	−$1K	−0.5%
Q4 2024	$194K	−$2K	−1.0%
Q3 2024	$196K	+$17K	+9.5%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Monthly Fee$5
per month
Monthly Fee$5
per month
Base Share balance below $25.00 (Monthly Fee)$5
per month
Early Closure (within 120 days)$20
Dormant Account Letter (After 3 years of inactivity)$5
Not compared: Quarterly charge, not monthly
per quarter
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour · | (Research & Balancing) per hr (Min-1 hr) | $25.00 |
Returned Mail (Per Each Occurrence of Returned Mail)$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay Fee (per item)$14
per item
NSF Return item (per Item)$14
per item
Manual Overdraft Transfer(Reg D Exceeded)$14

ATM & Card

ATM-Cash Withdrawals at SCU or CO-OP ATM'SNo charge
Other ATM Locations: (Additional Withdrawals)$1.50
Replacement Card$10

Wire Transfers

Wire Transfers: Outgoing$30
Wire Transfers: Incoming$20

Check Services

Cashier's Checks$5
Money Order ($1,000 Max.)$5
Stop Payment Check$30
Temporary checks (first 3 pgs for new acct Free)No charge
Sponsor check cashing for non-member$10
Copy of Paid Check$3

Cash & Deposit

Returned Deposit Item (RDI)$10

Account Services

Attachment/Levy against: Member's Account$50
Verification of Deposit$15

Lending Fees

Late fee10%($25 minimum)
Late fee (audience not stated, treated as personal)10%($25 minimum)
Credit Report Fee$25

Other Fees

Copy of Statements$5
FAX Per Page: Incoming$1
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	$5	per month	None
Monthly Fee	$5	per month	None
Base Share balance below $25.00 (Monthly Fee)	$5	per month	None
Early Closure (within 120 days)	$20	Not stated	None
Dormant Account Letter (After 3 years of inactivity)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	\| (Research & Balancing) per hr (Min-1 hr) \| $25.00 \|
Returned Mail (Per Each Occurrence of Returned Mail)	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay Fee (per item)	$14	per item	None
NSF Return item (per Item)	$14	per item	None
Manual Overdraft Transfer(Reg D Exceeded)	$14	Not stated	None
ATM & Card
ATM-Cash Withdrawals at SCU or CO-OP ATM'S	No charge	Not stated	None
Other ATM Locations: (Additional Withdrawals)	$1.50	Not stated	None
Replacement Card	$10	Not stated	None
Wire Transfers
Wire Transfers: Outgoing	$30	Not stated	None
Wire Transfers: Incoming	$20	Not stated	None
Check Services
Cashier's Checks	$5	Not stated	None
Money Order ($1,000 Max.)	$5	Not stated	None
Stop Payment Check	$30	Not stated	None
Temporary checks (first 3 pgs for new acct Free)	No charge	Not stated	None
Sponsor check cashing for non-member	$10	Not stated	None
Copy of Paid Check	$3	Not stated	None
Cash & Deposit
Returned Deposit Item (RDI)	$10	Not stated	None
Account Services
Attachment/Levy against: Member's Account	$50	Not stated	None
Verification of Deposit	$15	Not stated	None
Lending Fees
Late fee	10%($25 minimum)	Not stated	None
Late fee (audience not stated, treated as personal)	10%($25 minimum)	Not stated	None
Credit Report Fee	$25	Not stated	None
Other Fees
Copy of Statements	$5	Not stated	None
FAX Per Page: Incoming	$1	per item	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

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.

Fee change alerts

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