Compared with Oregon
6 of 13
compared fees are above the median.
4 below, 3 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
7th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Oregon median
of 13 compared; 4 below, 3 about the same
See the feesFee schedule read Oct 8, 2026
Call-report figures are for Onpoint Community 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 452 credit unions with $1B to $10B 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 Oregon median | Published fees above the Oregon median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Onpoint Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 8, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 2.5% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (7th 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 $3.9M in Q2 2026, 18% above the same quarter a year earlier ($3.3M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 13 compared published fees sit above the Oregon median; 4 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 Oregon medians for fees published by banks and credit unions.
Overdraft (OD)
Non-Network ATM
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Oregon, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 15% from Q3 2025 to Q2 2026, to $3.9M. Its share of revenue, 2.5%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$3.9M
Onpoint Community 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Onpoint Community Federal Credit Union · $9.5B 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 13 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Onpoint Community Federal Credit Union(this institution) | Portland, OR | $9.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bellco Federal Credit Union | Greenwood Village, CO | $8.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Broadview Federal Credit Union | Albany, NY | $9.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Delta Community Federal Credit Union | Atlanta, GA | $9.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Desert Financial Federal Credit Union | Phoenix, AZ | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Dfcu Financial Federal Credit Union | Dearborn, MI | $8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Eastman Federal Credit Union | Kingsport, TN | $10.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Esl Federal Credit Union | Rochester, NY | $10.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Greenstate Federal Credit Union | North Liberty, IA | $10.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Landmark Federal Credit Union | Brookfield, WI | $7.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Logix Federal Credit Union | Valencia, CA | $9.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Members 1St Federal Credit Union | Enola, PA | $8.7B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Michigan State University Federal Credit Union | East Lansing, MI | $8.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Midflorida Federal Credit Union | Lakeland, FL | $9.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Patelco Federal Credit Union | Dublin, CA | $9.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pennsylvania State Employees Federal Credit Union | Harrisburg, PA | $9.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Redstone Federal Credit Union | Huntsville, AL | $8.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Redwood Credit Union | Santa Rosa, CA | $10.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| San Diego County Federal Credit Union | San Diego, CA | $9.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Space Coast Federal Credit Union | Melbourne, FL | $9.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Star One Federal Credit Union | Sunnyvale, CA | $9.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Summit Federal Credit Union | Madison, WI | $8.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Teachers Federal Credit Union | Smithtown, NY | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| United Nations Federal Credit Union | Long Island City, NY | $10.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Veridian Federal Credit Union | Waterloo, IA | $9.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wright-Patt Credit Union, Inc. | Beavercreek, OH | $9.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.48 among 14 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
Onpoint Community 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 Onpoint Community 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 | $3.9M | +$441K | +12.7% |
| Q1 2026 | $3.5M | −$264K | −7.0% |
| Q4 2025 | $3.7M | +$349K | +10.3% |
| Q3 2025 | $3.4M | +$72K | +2.2% |
| Q2 2025 | $3.3M | +$297K | +9.8% |
| Q1 2025 | $3.0M | −$875K | −22.4% |
| Q4 2024 | $3.9M | +$229K | +6.2% |
| Q3 2024 | $3.7M | +$170K | +4.8% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Onpoint Community 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 Onpoint Community Federal Credit Union by share.
Amounts from Onpoint Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per item
per transaction
per item
per item
per item
per item
per item · per request
per item
per item
one time
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Research (per hour) (audience not stated, treated as personal) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Overdraft Fee (item paid) | $10Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
ATM & Card | |||
| ATM Withdrawal at Non-OnPoint Owned | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Type Card replacement (first replacement per year is free) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush order fee – domestic | $25Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Rush order fee – international | $65Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Transferencia bancaria entrante (todas) | $8Inside the U.S. middle 50% ($5 to $15 nationally) | per transaction | None |
Check Services | |||
| Check Printing Varies | $30Above the U.S. middle 50% ($0.20 to $18.69 nationally) | Not stated | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| CHECK COLLECTION FEES Exchange Foreign Currency to US Dollars | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Foreign Returned Item (per item) | $30Above the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Garnishment/Levy Fee | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Garnishment/Levy Fee (per order) | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Type Garnishment/levy fee (per order) | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Legal Process Fee (audience not stated, treated as personal) | $75Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Loan Subordination Fee (per request) | $150Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
| Type Loan subordination fee (per request) | $150Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Type Verification of deposit/loan (per request) | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Verification of Deposit/Loan | $25Above the U.S. middle 50% ($5 to $15 nationally) | per item | per request |
| Verification of Deposit/Loan (per request) | $25Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Other Fees | |||
| Photocopies of Transaction Slip | $12Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies of Transaction Slip (Visa card, per item) | $12Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Cargo anual por la línea de crédito Equity Flex | $75Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Cargo anual por línea de crédito personal | $24Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Cargo por reamortización hipotecaria | $250Above the U.S. middle 50% ($20 to $37.50 nationally) | one time | None |
| Deed of Trust Reconveyance Fee (Oregon) | $153Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Deed of Trust Reconveyance Fee (Washington) | $356Above the U.S. middle 50% ($20 to $37.50 nationally) | 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
Oct 8, 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 Onpoint Community Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
62 offices in 2 states (June 30, 2026)
Each dot is one office.
4 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Portland, OR | 18 |
| Vancouver, WA | 7 |
| Beaverton, OR | 4 |
| Eugene, OR | 3 |
| Hillsboro, OR | 3 |
| Bend, OR | 2 |
| Gresham, OR | 2 |
| Salem, OR | 2 |
Largest competitors nearby
Local market: Multnomah, Washington and Clackamas counties, OR, around its headquarters.
| 47 in its local market | Deposit share |
|---|---|
| U.S. Bank National Association | 25.5% |
| Bank of America, National Association | 22.8% |
| Wells Fargo Bank, National Association | 13.9% |
| JPMorgan Chase Bank, National Association | 12.9% |
| KeyBank National Association | 8.2% |
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.