Compared with California
3 of 16
compared fees are above the median.
13 below, 0 about the same.
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
81st percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 16 compared; 13 below, 0 about the same
See the feesFee schedule read Oct 5, 2026
Call-report figures are for Vision One 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. | Vision One Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 5, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 13% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (81st 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 $158K in Q2 2026, 17% above the same quarter a year earlier ($135K).
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; 13 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.
Non-Network ATM
Monthly Maintenance
Preferred Checking $5 · Choice Checking $7.50
Compared at $6.25, the middle of its prices
NSF / Returned Item
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 rose 14% from Q3 2025 to Q2 2026, to $158K. Its share of revenue, 13%, is above the 7.2% median for credit unions with under $300M in assets.
$158K
Vision One 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 $5 to $7.50; we compare the midpoint.
Vision One Federal Credit Union · $92M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Vision One Federal Credit Union(this institution) | Sacramento, CA | $92M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Baycel Federal Credit Union | Bay City, TX | $92M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chicago Firefighter'S Federal Credit Union | Chicago, IL | $93M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Christian Family Federal Credit Union | North Canton, OH | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coastal Community Federal Credit Union | Galveston, TX | $93M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| County Schools Federal Credit Union | Ventura, CA | $91M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dakota Plains Federal Credit Union | Edgeley, ND | $93M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Daniels-Sheridan Federal Credit Union | Scobey, MT | $92M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Family Advantage Federal Credit Union | Spring Hill, TN | $93M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Formation Federal Credit Union | Baton Rouge, LA | $93M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Good Neighbors Federal Credit Union | Depew, NY | $92M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jefferson Credit Union | Hoover, AL | $91M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Marshfield Medical Center Federal Credit Union | Marshfield, WI | $91M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mckesson & Healthcare Providers Federal Credit Union | Martinez, CA | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Source Federal Credit Union | Merrillville, IN | $92M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Multi-States Federal Credit Union | Springfield, MO | $91M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Northwoods Community Federal Credit Union | Park Falls, WI | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Progressions Federal Credit Union | Spokane, WA | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sheboygan Area Federal Credit Union | Sheboygan, WI | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Shelby County Federal Credit Union | Memphis, TN | $92M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sunset Science Park Federal Credit Union | Portland, OR | $92M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Transit Employees Federal Credit Union | Greenbelt, MD | $93M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Traverse Catholic Federal Credit Union | Traverse City, MI | $92M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Upward Federal Credit Union | Burlingame, CA | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Welcome Federal Credit Union | Morrisville, NC | $92M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Wellspring Federal Credit Union | Bridge City, TX | $92M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $6.25, the middle of its two prices, against a peer median of $6 among 10 publishing peers.
Its two checking prices are $5 and $7.50.
$6.25 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 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.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Vision One 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 | $158K | +$1K | +0.6% |
| Q1 2026 | $157K | +$2K | +1.3% |
| Q4 2025 | $155K | +$17K | +12.3% |
| Q3 2025 | $138K | +$3K | +2.2% |
| Q2 2025 | $135K | −$6K | −4.3% |
| Q1 2025 | $141K | +$4K | +2.9% |
| Q4 2024 | $137K | −$11K | −7.4% |
| Q3 2024 | $148K | +$9K | +6.5% |
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, Vision One 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 Vision One Federal Credit Union by share.
Amounts from Vision One 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 month
per hour
per year
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Choice Checking Monthly service charge (audience not stated, treated as personal) | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Preferred Checking Monthly service charge (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Minimum Balance Fee | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account Fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research Fee Statement | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Cookie Jar Account Excess Withdrawal Fee | $10Not compared: Annual charge, not per item | per year | None |
Overdraft & NSF | |||
| Returned Item, Insufficient Funds | $20Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Fee (From Shares) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Excess ATM Withdrawal Fee | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM or Debit Card Replacement Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfers (Outgoing) | $15Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Stop Payment Fee | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Copy Fee – Single | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Deposit Item Return Fee | $10Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Subordination Fee | $40Below the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Lending Fees | |||
| UCC Release Fee | $40Inside the U.S. middle 50% ($20.15 to $96.25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Administration Fee | $12Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA Withdrawal Fee | $10Below the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Copy Fee | $3Not compared: Charged per page; comparison unavailable | per page | None |
| Reconveyance Fee | $100Above 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 5, 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 Vision One 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
| Sacramento, CA | 1 |
Largest competitors nearby
Local market: Sacramento county, CA, around its headquarters.
| 37 in its local market | Deposit share |
|---|---|
| U.S. Bank National Association | 51.1% |
| Wells Fargo Bank, National Association | 11.2% |
| Bank of America, National Association | 8.4% |
| JPMorgan Chase Bank, National Association | 8.3% |
| River City Bank | 7.1% |
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.