Compared with California
3 of 16
compared fees are above the median.
7 below, 6 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
24th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 16 compared; 7 below, 6 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Slo 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 2,932 credit unions with under $300M 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. | Slo Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 3.6% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (24th 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 $8K in Q2 2026, 47% below the same quarter a year earlier ($15K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 16 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.
Monthly Maintenance
Compared at $5, the middle of its prices
Wire Transfer (Domestic Out)
Stop Payment
Compared at $23.50, 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 11% from Q3 2025 to Q2 2026, to $8K. Its share of revenue, 3.6%, is below the 7.2% median for credit unions with under $300M in assets.
$8K
Slo 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 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $2 to $7; we compare the midpoint.
Slo Federal Credit Union · $29M in assets
Banks and credit unions in the San Luis Obispo-Paso Robles, CA metro
Banks and credit unions with branches in the San Luis Obispo-Paso Robles, CA metro: the local competitors for deposits and customers. They range from $1.3B to $4.1T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Slo Federal Credit Union(this institution) | San Luis Obispo, CA | $29M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| American Riviera Bank | Santa Barbara, CA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Banc of California | Los Angeles, CA | $34.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of America, National Association | Charlotte, NC | $2.7T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of the Sierra | Porterville, CA | $3.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Columbia Bank | Roseburg, OR | $65.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Community West Bank | Fresno, CA | $5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Educational Employees Federal Credit Union | Fresno, CA | $5.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| JPMorgan Chase Bank, National Association | Columbus, OH | $4.1T | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mechanics Bank | Walnut Creek, CA | $21.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Sesloc Federal Credit Union | San Luis Obispo, CA | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Golden 1 Federal Credit Union | Sacramento, CA | $22.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| U.S. Bank National Association | Cincinnati, OH | $705.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| UMB Bank, National Association | Kansas City, MO | $71.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wells Fargo Bank, National Association | Sioux Falls, SD | $1.9T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
14 peers selected · 10 publish this fee(monthly maintenance)
4 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5, the middle of its three prices, against a peer median of $9.50 among 10 publishing peers.
Its three checking prices are $2, $5 and $7.
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
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Slo 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 | $8K | −$8K | −50.0% |
| Q1 2026 | $16K | −$4K | −20.0% |
| Q4 2025 | $20K | +$11K | +122.2% |
| Q3 2025 | $9K | −$6K | −40.0% |
| Q2 2025 | $15K | +$12K | +400.0% |
| Q1 2025 | $3K | +$1K | +50.0% |
| Q4 2024 | $2K | −$2K | −50.0% |
| Q3 2024 | $4K | +$3K | +300.0% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Slo 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 Slo Federal Credit Union by share.
Amounts from Slo Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per quarter
per hour
per month
per item
per item
per item
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service charge | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Share Draft Monthly Maintenance Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Share Monthly Maintenance Fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Fee | $5Not compared: Quarterly charge, not monthly | per quarter | None |
| Statement Reconciliation Assistance | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Locator Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Share Overdraft Transfer Fee | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Debit Card Replacement Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire | $35Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Wire | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Corporate Check Fee | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment of a Corporate Check | $32Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment, per draft | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Non-Member Check Cashing Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Special Handling/Collection Item | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of Paid Share Draft – Free on It’s Me 24/7 | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposit of Loan Payment/Share Deposit Item Return | $5Below the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Levy/Garnishment Fee | $35Inside the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
Retirement & IRA | |||
| IRA Maintenance Fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
Other Fees | |||
| Statement Copy – Free on It’s Me 24/7 | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 11, 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 Slo Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 2 states (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Atascadero, CA | 1 |
| Liberty Lake, WA | 1 |
| San Luis Obispo, CA | 1 |
Largest competitors nearby
Local market: San Luis Obispo county, CA, around its headquarters.
| 15 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 21.8% |
| Mechanics Bank | 17% |
| Wells Fargo Bank, National Association | 14.5% |
| Columbia Bank | 12.9% |
| Bank of America, National Association | 11.5% |
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.