Bay Area Federal Credit Union

Headquarters: Oregon, Ohio
Charter: Credit Union
Assets: $107.9M
Fed district: Cleveland
Regulator: NCUA

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 15, 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 Oct 15, 2026

How these figures are measured

Call-report figures are for Bay Area 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.	Bay Area Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 15, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Bay Area 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 $134K in Q2 2026, 19% above the same quarter a year earlier ($113K).
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)
Bay Area Federal Credit Union: $30
Bay Area Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Bay Area Federal Credit Union: $30
Bay Area Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Bay Area Federal Credit Union: $1
Bay Area Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland 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).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 rose 8.1% from Q3 2025 to Q2 2026, to $134K.

Fee income, Q2 2026

$134K

$124KQ3 2025

$135KQ4 2025

$138KQ1 2026

$134KQ2 2026

Against the median

Bay Area 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

Bay Area Federal Credit Union · $108M 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 17 states.

Credit unions only
$106M to $110M in assets
Headquartered in 17 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
Bay Area Federal Credit Union(this institution)	Oregon, OH	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Advanced Financial Federal Credit Union	New Providence, NJ	$107M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Advantage Federal Credit Union	Newton, IA	$106M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ascension Federal Credit Union	Gonzales, LA	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Cherokee Strip Federal Credit Union	Ponca City, OK	$106M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Farmway Federal Credit Union	Beloit, KS	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First California Federal Credit Union	Fresno, CA	$110M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Eagle Federal Credit Union	Owings Mills, MD	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Greater Pittsburgh Police Federal Credit Union	Pittsburgh, PA	$110M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hibbing Cooperative Federal Credit Union	Hibbing, MN	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Kaiperm Federal Credit Union	Walnut Creek, CA	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lassen County Federal Credit Union	Susanville, CA	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Membersfirst Ct Federal Credit Union	Meriden, CT	$107M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Membersown Federal Credit Union	Lincoln, NE	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Onenebraska Federal Credit Union	Columbus, NE	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Palco Fcu Federal Credit Union	Muncy, PA	$109M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Rancho Federal Credit Union	Downey, CA	$109M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Raritan Bay Federal Credit Union	Sayreville, NJ	$108M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Roanoke Valley Community Federal Credit Union	Roanoke, VA	$107M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Rockdale Federal Credit Union	Rockdale, TX	$108M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Seaport Federal Credit Union	Elizabeth, NJ	$110M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Local Federal Credit Union	Sterling Heights, MI	$107M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Valley 1St Community Federal Credit Union	Monessen, PA	$107M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Vue Community Federal Credit Union	Bismarck, ND	$106M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Weld Community Federal Credit Union	Greeley, CO	$110M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Worcester Federal Credit Union	Worcester, MA	$107M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	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.

Fee type

Peer pricing snapshot

Bay Area Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 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 Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Bay Area Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Bay Area Federal Credit U…Peer (equal prices stack)Peer medianInclude $30 outlierShown 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 Oct 31, 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 Bay Area 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: $134K
vs prior quarter: −$4K−2.9%; from Q1 2026
vs a year earlier: +$21K+18.6%; from Q2 2025
vs start of range: +$18K+15.5%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Bay Area 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	$134K	−$4K	−2.9%
Q1 2026	$138K	+$3K	+2.2%
Q4 2025	$135K	+$11K	+8.9%
Q3 2025	$124K	+$11K	+9.7%
Q2 2025	$113K	+$9K	+8.7%
Q1 2025	$104K	−$11K	−9.6%
Q4 2024	$115K	−$1K	−0.9%
Q3 2024	$116K	+$1K	+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 Bay Area Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Closed Membership/Re-established within 12 months$25
Account Research/Reconciliaon (per hour/1hr min.)$25
Not compared: Charged per hour; comparison unavailable
per hour
Wealth Builder Account Early/Excess Withdrawal$35
Invalid address$10

Overdraft & NSF

Courtesy Pay$30
Paid NSF Items$30
Non-Sufficient Funds (NSF)$30

ATM & Card

Foreign ATM wd/inquiries$1
per item
Debit Card Replacement Fee$10

Wire Transfers

Wire Transfer Outgoing (Domesc)$25
Wire Transfer Outgoing (Internaonal)$50

Check Services

Official Checks$2
Reissue Official Check$25
Money Orders$2
ACH Stop Payment$30
Check Cashing$1
Check Copy$5

Cash & Deposit

Deposit Item Returned$20

Account Services

Notary Fee (per signature)$2
Drilling of Safe Deposit Box$225
Not compared: Box drilling or key fee
Lost Key$25
Not compared: Box drilling or key fee
Legal Process$50

Other Fees

Fax Fee (per page)$1
Statement Copy (per page)$1

Fee	Amount	Basis	Note
Account Maintenance
Closed Membership/Re-established within 12 months	$25	Not stated	None
Account Research/Reconciliaon (per hour/1hr min.)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Wealth Builder Account Early/Excess Withdrawal	$35	Not stated	None
Invalid address	$10	Not stated	None
Overdraft & NSF
Courtesy Pay	$30	Not stated	None
Paid NSF Items	$30	Not stated	None
Non-Sufficient Funds (NSF)	$30	Not stated	None
ATM & Card
Foreign ATM wd/inquiries	$1	per item	None
Debit Card Replacement Fee	$10	Not stated	None
Wire Transfers
Wire Transfer Outgoing (Domesc)	$25	Not stated	None
Wire Transfer Outgoing (Internaonal)	$50	Not stated	None
Check Services
Official Checks	$2	Not stated	None
Reissue Official Check	$25	Not stated	None
Money Orders	$2	Not stated	None
ACH Stop Payment	$30	Not stated	None
Check Cashing	$1	Not stated	None
Check Copy	$5	Not stated	None
Cash & Deposit
Deposit Item Returned	$20	Not stated	None
Account Services
Notary Fee (per signature)	$2	Not stated	None
Drilling of Safe Deposit Box	$225Not compared: Box drilling or key fee	Not stated	None
Lost Key	$25Not compared: Box drilling or key fee	Not stated	None
Legal Process	$50	Not stated	None
Other Fees
Fax Fee (per page)	$1	Not stated	None
Statement Copy (per page)	$1	Not stated	None

Correct a fee source

Oct 15, 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

Get an email when Bay Area Federal Credit Union's safe deposit box changes in our data

We check once a day and send one email covering every change.