Compared with California
8 of 17
compared fees are above the median.
7 below, 2 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
41st percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 17 compared; 7 below, 2 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for E-Central 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. | E-Central 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
Fee income was 6.0% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (41st 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 $144K in Q2 2026, 28% below the same quarter a year earlier ($201K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 17 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)
Non-Network ATM
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 31% from Q3 2025 to Q2 2026, to $144K. Its share of revenue, 6.0%, is below the 7.2% median for credit unions with under $300M in assets.
$144K
E-Central 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.
E-Central Federal Credit Union · $174M 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| E-Central Federal Credit Union(this institution) | Pasadena, CA | $174M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1St Gateway Federal Credit Union | Camanche, IA | $171M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Achieve Financial Federal Credit Union | Berlin, CT | $176M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Arize Federal Credit Union | State College, PA | $176M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Artesia Federal Credit Union | Artesia, NM | $173M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Aspen Federal Credit Union | Rapid City, SD | $173M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Associated Healthcare Federal Credit Union | Woodbury, MN | $176M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Caro Federal Credit Union | Columbia, SC | $175M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Code Federal Credit Union | Dayton, OH | $176M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Excel Federal Credit Union | Norcross, GA | $174M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Federal Credit Union | Hiawatha, IA | $175M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Frick Financial Federal Credit Union | Uniontown, PA | $175M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| H.P.C. Federal Credit Union | Alpena, MI | $172M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Heartland Federal Credit Union | Inver Grove Heights, MN | $172M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mission City Federal Credit Union | Santa Clara, CA | $172M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mountain Laurel Federal Credit Union | Saint Marys, PA | $174M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Naveo Federal Credit Union | Somerville, MA | $176M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Northwoods Federal Credit Union | Cloquet, MN | $175M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Nuvista Federal Credit Union | Montrose, CO | $172M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Police Federal Credit Union | Upper Marlboro, MD | $176M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Santa Cruz Community Federal Credit Union | Santa Cruz, CA | $172M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sentry Federal Credit Union | Stevens Point, WI | $173M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ussco Johnstown Federal Credit Union | Johnstown, PA | $174M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Valley Isle Community Federal Credit Union | Kahului, HI | $174M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Vida Federal Credit Union | Ontario, CA | $175M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wolverine State Federal Credit Union | Alpena, MI | $173M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $4.98 among 8 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
E-Central 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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for E-Central 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 | $144K | −$19K | −11.7% |
| Q1 2026 | $163K | −$59K | −26.6% |
| Q4 2025 | $222K | +$12K | +5.7% |
| Q3 2025 | $210K | +$9K | +4.5% |
| Q2 2025 | $201K | −$8K | −3.8% |
| Q1 2025 | $209K | −$24K | −10.3% |
| Q4 2024 | $233K | +$23K | +11.0% |
| Q3 2024 | $210K | −$2K | −0.9% |
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, E-Central 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 E-Central Federal Credit Union by share.
Amounts from E-Central Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour · Statement Reconciliation $25.00/hour
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive Account Notice | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactivity Fee (if inactive for one year; only if balance < $500) | $9Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Statement Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | Statement Reconciliation $25.00/hour |
| Excessive Withdrawals from Personal Savings | $10Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Return Mail Fee | $2Below the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Courtesy Pay (per presentment) | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds (NSF) Check (per presentment) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| E-Free Overdraft Transfer | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Excessive ATM Withdrawals (more than 5 in one month) | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Wire - Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Wire - Foreign | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Stop Payment | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks Order (free at opening of account) | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Copy of C.U. Withdrawal Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Cleared Share Check | $4Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Deposited Check | $4Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Account Services | |||
| Lien or Levy Fees | $30Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of Deposit (VOD) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer to Another Institution | $20Below the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement (2-3 days, by mail) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Statement (immediate, by fax) | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Real Estate Demand for Payoff | $60Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Real Estate Reconveyance | $70Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | 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 E-Central Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Pasadena, CA | 1 |
Largest competitors nearby
Local market: Los Angeles county, CA, around its headquarters.
| 172 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 19% |
| Bank of America, National Association | 15.4% |
| Wells Fargo Bank, National Association | 11.7% |
| City National Bank | 10% |
| East West Bank | 7.4% |
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.