Point West Federal Credit Union

Headquarters: Portland, Oregon
Charter: Credit Union
Assets: $97.5M
Fed district: San Francisco
Regulator: NCUA

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

Source: its fee schedule, read Oct 14, 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 14, 2026

How these figures are measured

Call-report figures are for Point West 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.	Point West Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 14, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Point West 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 $188K in Q2 2026, 15% below the same quarter a year earlier ($220K).
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.

Monthly Maintenance
Viva Checking
Point West Federal Credit Union: $5
Point West Federal Credit Union: $5
U.S. median: no median
NSF / Returned Item
Point West Federal Credit Union: $30
Point West Federal Credit Union: $30
U.S. median: no median
Foreign Transaction
Point West Federal Credit Union: No fee
Point West Federal Credit Union: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

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.

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).
Oregon: Banks and credit unions headquartered in Oregon 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 13% from Q3 2025 to Q2 2026, to $188K.

Fee income, Q2 2026

$188K

$217KQ3 2025

$200KQ4 2025

$184KQ1 2026

$188KQ2 2026

Against the median

Point West 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

Point West Federal Credit Union · $98M 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 15 states.

Credit unions only
$95M to $100M in assets
Headquartered in 15 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
Point West Federal Credit Union(this institution)	Portland, OR	$98M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Afena Federal Credit Union	Marion, IN	$98M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Athol Federal Credit Union	Athol, MA	$99M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bay Atlantic Federal Credit Union	Vineland, NJ	$97M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Community First Federal Credit Union	Ashtabula, OH	$100M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Concho Educators Federal Credit Union	San Angelo, TX	$99M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Connects Federal Credit Union	Richmond, VA	$98M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Class Community Federal Credit Union	West Des Moines, IA	$96M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Heritage USA Federal Credit Union	Midland, TX	$99M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Journey Federal Credit Union	Des Moines, IA	$98M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lower Columbia Longshoremen Federal Credit Union	Longview, WA	$96M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Lufthansa Emp. Federal Credit Union	Westbury, NY	$95M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Members Community Federal Credit Union	Muscatine, IA	$99M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ridgedale Federal Credit Union	East Hanover, NJ	$98M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sno Falls Federal Credit Union	North Bend, WA	$99M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
St. Pius X Church Federal Credit Union	Rochester, NY	$98M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tampa Postal Federal Credit Union	Tampa, FL	$98M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Tennessee Members 1St Federal Credit Union	Oak Ridge, TN	$98M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Texas Bridge Federal Credit Union	Corpus Christi, TX	$99M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas Dps Federal Credit Union	Austin, TX	$98M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Unity Catholic Federal Credit Union	Parma, OH	$98M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Universal Federal Credit Union	Huntington, WV	$100M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
University Of Toledo Federal Credit Union	Toledo, OH	$100M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Va Desert Pacific Federal Credit Union	Long Beach, CA	$99M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Washington County Teachers Federal Credit Union	Hagerstown, MD	$96M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wnc Community Credit Union	Waynesville, NC	$96M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ 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

Monthly maintenance is broadly aligned with similar-sized credit unions: within 1% of their median.

Its published price is $5, against a peer median of $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 Oct 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Point West Federal Credit…Peer (equal prices stack)Peer medianInclude $7.95 outlierShown past the axis break, not to scale, so the rest of the set has room.

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 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 Point West 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: $188K
vs prior quarter: +$4K+2.2%; from Q1 2026
vs a year earlier: −$32K−14.5%; from Q2 2025
vs start of range: −$35K−15.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Point West 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	$188K	+$4K	+2.2%
Q1 2026	$184K	−$16K	−8.0%
Q4 2025	$200K	−$17K	−7.8%
Q3 2025	$217K	−$3K	−1.4%
Q2 2025	$220K	+$17K	+8.4%
Q1 2025	$203K	−$23K	−10.2%
Q4 2024	$226K	+$3K	+1.3%
Q3 2024	$223K	−$16K	−6.7%

Fee-income share against its size cohort

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

Published fee schedule

Amounts from Point West Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Viva Checking Monthly service charge$5
per month
Inactive Membership (12 mos. inactivity)$10
per month
Transaction Research$35
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statements Fee$2
per month

Overdraft & NSF

NSF Item Returned$30
per item
Sufficient Funds (NSF)$30
per item

ATM & Card

Card Replacement$10
per item
Debit Card Replacement$10
per item
Debit/PIN Rush Request$40
per item
Currency conversion1%of the transaction
Foreign TransactionNo charge

Wire Transfers

Incoming Wire$10
per item

Check Services

Corporate Checks$5
per item
Stop Payment - Convenience Check$30
per item
Ordering At cost Temporary Checks (after 12 free)$8
per item
Temporary Checks (after 12 free)$8
per item
Item Sent for Collection$10
per item
Copy Sales Draft$10
per item
Photocopy - Corporate/Member Check$2
per item

Cash & Deposit

Cash Advance/No charge

Account Services

Notary ServiceNo charge
Legal Process/Levy, etc.$45
per item

Lending Fees

Late Fee (excludes Visa Credit Card)$25
Late Payment Fee$27

Gift & Prepaid Cards

Visa Gift Card (Non-Reloadable)$5
per item

Other Fees

FedEx/UPS, etc$50
per item
Statement Copies$2
per item
Skip-a-Payment$25
per item

Fee	Amount	Basis	Note
Account Maintenance
Viva Checking Monthly service charge	$5	per month	None
Inactive Membership (12 mos. inactivity)	$10	per month	None
Transaction Research	$35Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statements Fee	$2	per month	None
Overdraft & NSF
NSF Item Returned	$30	per item	None
Sufficient Funds (NSF)	$30	per item	None
ATM & Card
Card Replacement	$10	per item	None
Debit Card Replacement	$10	per item	None
Debit/PIN Rush Request	$40	per item	None
Currency conversion	1%of the transaction	Not stated	None
Foreign Transaction	No charge	Not stated	None
Wire Transfers
Incoming Wire	$10	per item	None
Check Services
Corporate Checks	$5	per item	None
Stop Payment - Convenience Check	$30	per item	None
Ordering At cost Temporary Checks (after 12 free)	$8	per item	None
Temporary Checks (after 12 free)	$8	per item	None
Item Sent for Collection	$10	per item	None
Copy Sales Draft	$10	per item	None
Photocopy - Corporate/Member Check	$2	per item	None
Cash & Deposit
Cash Advance/	No charge	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Legal Process/Levy, etc.	$45	per item	None
Lending Fees
Late Fee (excludes Visa Credit Card)	$25	Not stated	None
Late Payment Fee	$27	Not stated	None
Gift & Prepaid Cards
Visa Gift Card (Non-Reloadable)	$5	per item	None
Other Fees
FedEx/UPS, etc	$50	per item	None
Statement Copies	$2	per item	None
Skip-a-Payment	$25	per item	None

Correct a fee source

Oct 14, 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 Point West Federal Credit Union's foreign transaction changes in our data

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