E-Central Federal Credit Union

Headquarters: Pasadena, California
Charter: Credit Union
Assets: $173.5M
Fed district: San Francisco
Regulator: NCUA

17 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 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) 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.	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

Details

Source: NCUA 5300 call report
Entity: E-Central 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 $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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
E-Central Federal Credit Union: $30
E-Central Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
E-Central Federal Credit Union: $30
E-Central Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
E-Central Federal Credit Union: $1.50
E-Central Federal Credit Union: $1.50
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 31% from Q3 2025 to Q2 2026, to $144K.

Fee income, Q2 2026

$144K

$210KQ3 2025

$222KQ4 2025

$163KQ1 2026

$144KQ2 2026

Against the median

E-Central 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

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.

Credit unions only
$171M to $176M in assets
Headquartered in 16 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
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.

Fee type

Peer pricing snapshot

E-Central Federal Credit Union does not publish a monthly maintenance fee in the index.

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.

E-Central Federal Credit…Peer (equal prices stack)Peer medianInclude 2 outliers ($0, $15)Shown past the axis break, not to scale, so the rest of the set has room.

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.

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 E-Central 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: $144K
vs prior quarter: −$19K−11.7%; from Q1 2026
vs a year earlier: −$57K−28.4%; from Q2 2025
vs start of range: −$66K−31.4%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: E-Central 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	$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%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Inactive Account Notice$2
Inactivity Fee (if inactive for one year; only if balance < $500)$9
Statement Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour · Statement Reconciliation $25.00/hour
Excessive Withdrawals from Personal Savings$10
per item
Return Mail Fee$2

Overdraft & NSF

Courtesy Pay$30
Courtesy Pay (per presentment)$30
per item
Non-Sufficient Funds (NSF) Check (per presentment)$30
per item
E-Free Overdraft Transfer$10

ATM & Card

Excessive ATM Withdrawals (more than 5 in one month)$1.50
per item

Wire Transfers

Outgoing Wire - Domestic$25
Outgoing Wire - Foreign$40

Check Services

Stop Payment$15
Temporary Checks Order (free at opening of account)$5
Copy of C.U. Withdrawal Check$5
Copy of Cleared Share Check$4
Copy of Deposited Check$4

Account Services

Lien or Levy Fees$30
Verification of Deposit (VOD)$5

Retirement & IRA

IRA Transfer to Another Institution$20

Other Fees

Copy of Statement (2-3 days, by mail)$3
Copy of Statement (immediate, by fax)$10
Real Estate Demand for Payoff$60
Real Estate Reconveyance$70

Fee	Amount	Basis	Note
Account Maintenance
Inactive Account Notice	$2	Not stated	None
Inactivity Fee (if inactive for one year; only if balance < $500)	$9	Not stated	None
Statement Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	Statement Reconciliation $25.00/hour
Excessive Withdrawals from Personal Savings	$10	per item	None
Return Mail Fee	$2	Not stated	None
Overdraft & NSF
Courtesy Pay	$30	Not stated	None
Courtesy Pay (per presentment)	$30	per item	None
Non-Sufficient Funds (NSF) Check (per presentment)	$30	per item	None
E-Free Overdraft Transfer	$10	Not stated	None
ATM & Card
Excessive ATM Withdrawals (more than 5 in one month)	$1.50	per item	None
Wire Transfers
Outgoing Wire - Domestic	$25	Not stated	None
Outgoing Wire - Foreign	$40	Not stated	None
Check Services
Stop Payment	$15	Not stated	None
Temporary Checks Order (free at opening of account)	$5	Not stated	None
Copy of C.U. Withdrawal Check	$5	Not stated	None
Copy of Cleared Share Check	$4	Not stated	None
Copy of Deposited Check	$4	Not stated	None
Account Services
Lien or Levy Fees	$30	Not stated	None
Verification of Deposit (VOD)	$5	Not stated	None
Retirement & IRA
IRA Transfer to Another Institution	$20	Not stated	None
Other Fees
Copy of Statement (2-3 days, by mail)	$3	Not stated	None
Copy of Statement (immediate, by fax)	$10	Not stated	None
Real Estate Demand for Payoff	$60	Not stated	None
Real Estate Reconveyance	$70	Not stated	None

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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