Compared with California
9 of 25
compared fees are above the median.
11 below, 5 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
34th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 25 compared; 11 below, 5 about the same
See the feesFee 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) 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. | 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 5.0% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (34th 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 $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.
9 of 25 compared published fees sit above the California median; 11 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
Compared at $1, the middle of its prices
Monthly Maintenance
Compared at $7.50, the middle of its prices
Overdraft (OD)
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. Its share of revenue, 5.0%, is below the 7.2% median for credit unions with under $300M in assets.
$58K
Valley Oak 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. *Non-network ATM: Listed at $0.50 to $1.50; we compare the midpoint. Monthly maintenance: Listed at $5 to $10; we compare the midpoint.
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% |
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, Valley Oak 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 Valley Oak Federal Credit Union by share.
Amounts from Valley Oak 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
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly maintenance fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Second Chance Checking Monthly fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Holiday Club early account closure (no withdrawals allowed) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive checking account fee 90 days no activity | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Monthly dormancy fee (12 months no activity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly inactive account fee (90 days no activity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research fee per hour | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return mail fee/Invalid address fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy pay privilege | $14Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| ATM NSF | $14Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM balance inquiry or funds transfer | $0.50Below the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM withdrawal fee (not including ATM surcharge) at out-of-network ATM | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit card replacement fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush card / PIN # fee | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wires, outgoing domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wires, incoming domestic | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Official checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official checks (unlimited) | No chargeBelow the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop payment fee (Bill Pay) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop payment official check fee | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter checks (per sheet) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check cashing | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Copies of share drafts (2 free per month), share draft activity, or statements | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay A2A Transfer | $20Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin processing for deposit over | $30Above the U.S. middle 50% ($0 to $2 nationally) | Not stated | None |
| Coin processing for Jr. Share Accounts | No chargeInside the U.S. middle 50% ($0 to $2 nationally) | Not stated | None |
| Deposit item return fee | $30Above the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Liens or levies | $30Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| Subordination fee | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Lending Fees | |||
| Late charge | 6%($20 minimum) | Not stated | None |
| Late fee | $10Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Loan late fee (minimum charge) | $20Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| New member fee (1 time) | $5Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA gift cards | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Statement copy (per period) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Non-member loan application | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | 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.
Where Valley Oak Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Three Rivers, CA | 2 |
| Tulare, CA | 1 |
| Visalia, CA | 1 |
Largest competitors nearby
Local market: Tulare county, CA, around its headquarters.
| 15 in its local market | Deposit share |
|---|---|
| Bank of the Sierra | 20.9% |
| Bank of America, National Association | 17.6% |
| Wells Fargo Bank, National Association | 17.4% |
| JPMorgan Chase Bank, National Association | 10.6% |
| Citizens Business Bank, National Association | 8.3% |
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.