25 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 5, 2026.
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 5, 2026
Call-report figures are for Valley Oak 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. | Valley Oak 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 $58K in Q2 2026, 31% below the same quarter a year earlier ($84K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Comparison with U.S. medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $7.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
A blank median means fewer than 5 publish the fee.
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 fell 36% from Q3 2025 to Q2 2026, to $58K.
$58K
Valley Oak Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Valley Oak Federal Credit Union · $82M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Valley Oak Federal Credit Union(this institution) | Three Rivers, CA | $82M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 1St Mississippi Federal Credit Union | Meridian, MS | $83M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Armstrong Associates Federal Credit Union | Ford City, PA | $82M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Baylor Health Care System Federal Credit Union | Dallas, TX | $81M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| California Community Federal Credit Union | Sacramento, CA | $83M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Dynamic Federal Credit Union | Celina, OH | $83M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Fannin Federal Credit Union | Bonham, TX | $81M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Forrit Federal Credit Union | Clackamas, OR | $82M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Great Meadow Federal Credit Union | Hudson Falls, NY | $84M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kemba Indianapolis Federal Credit Union | Indianapolis, IN | $82M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Lake Huron Federal Credit Union | Saginaw, MI | $82M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Limestone Financial Federal Credit Union | Manistique, MI | $83M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Metro Medical Federal Credit Union | Dallas, TX | $83M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Muskegon Federal Credit Union | Muskegon, MI | $81M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Nikkei Federal Credit Union | Gardena, CA | $82M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Ou Federal Credit Union | Norman, OK | $83M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pittsburgh Firefighters' Federal Credit Union | Pittsburgh, PA | $81M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Primesource Federal Credit Union | Spokane, WA | $84M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Revity Federal Credit Union | Greensboro, NC | $83M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Rva Financial Federal Credit Union | Richmond, VA | $83M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| State Police Credit Union Inc. | Meriden, CT | $84M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Technicolor Federal Credit Union | Burbank, CA | $83M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Timberline Federal Credit Union | Crossett, AR | $80M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Triboro Postal Federal Credit Union | Flushing, NY | $84M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Uark Federal Credit Union | Fayetteville, AR | $82M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Westport Federal Credit Union | Westport, MA | $82M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7.50, the middle of its two prices, against a peer median of $3 among 9 publishing peers.
Its two checking prices are $5 and $10.
$7.50 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 Nov 1, 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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Valley Oak 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 | $58K | −$2K | −3.3% |
| Q1 2026 | $60K | −$31K | −34.1% |
| Q4 2025 | $91K | $0 | 0.0% |
| Q3 2025 | $91K | +$7K | +8.3% |
| Q2 2025 | $84K | −$10K | −10.6% |
| Q1 2025 | $94K | −$4K | −4.1% |
| Q4 2024 | $98K | +$7K | +7.7% |
| Q3 2024 | $91K | +$15K | +19.7% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from Valley Oak Federal Credit Union’s own schedules, with a source for each figure.
per month
per month
per month
per month
per hour
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly maintenance fee | $5 | per month | None |
| Second Chance Checking Monthly fee | $10 | per month | None |
| Holiday Club early account closure (no withdrawals allowed) | $15 | Not stated | None |
| Inactive checking account fee 90 days no activity | $5 | Not stated | None |
| Monthly dormancy fee (12 months no activity) | $5 | per month | None |
| Monthly inactive account fee (90 days no activity) | $5 | per month | None |
| Research fee per hour | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return mail fee/Invalid address fee | $5 | Not stated | None |
Overdraft & NSF | |||
| Courtesy pay privilege | $14 | Not stated | None |
| ATM NSF | $14 | Not stated | None |
ATM & Card | |||
| ATM balance inquiry or funds transfer | $0.50 | Not stated | None |
| ATM withdrawal fee (not including ATM surcharge) at out-of-network ATM | $1.50 | Not stated | None |
| Debit card replacement fee | $10 | Not stated | None |
| Rush card / PIN # fee | $50 | Not stated | None |
Wire Transfers | |||
| Wires, outgoing domestic | $20 | Not stated | None |
| Wires, incoming domestic | $10 | Not stated | None |
Check Services | |||
| Official checks | $5 | Not stated | None |
| Official checks (unlimited) | No charge | Not stated | None |
| Stop payment fee (Bill Pay) | $20 | Not stated | None |
| Stop payment official check fee | $20 | Not stated | None |
| Counter checks (per sheet) | $1 | Not stated | None |
| Check cashing | $5 | Not stated | None |
| Copies of share drafts (2 free per month), share draft activity, or statements | $5 | Not stated | None |
Digital & Electronic | |||
| Bill Pay A2A Transfer | $20 | Not stated | None |
Cash & Deposit | |||
| Coin processing for deposit over | $30 | Not stated | None |
| Coin processing for Jr. Share Accounts | No charge | Not stated | None |
| Deposit item return fee | $30 | Not stated | None |
Account Services | |||
| Liens or levies | $30 | Not stated | None |
| Subordination fee | $100 | Not stated | None |
Lending Fees | |||
| Late charge | 6%($20 minimum) | Not stated | None |
| Late fee | $10 | Not stated | None |
| Loan late fee (minimum charge) | $20 | Not stated | None |
| New member fee (1 time) | $5 | Not stated | None |
Gift & Prepaid Cards | |||
| VISA gift cards | $5 | Not stated | None |
Other Fees | |||
| Statement copy (per period) | $5 | Not stated | None |
| Non-member loan application | $25 | Not stated | None |
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.
Fee change alerts
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