Compared with Oregon
1 of 15
compared fees are above the median.
10 below, 4 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
38th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Oregon median
of 15 compared; 10 below, 4 about the same
See the feesFee schedule read Oct 26, 2026
Call-report figures are for Valley 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 Oregon median | Published fees above the Oregon median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Valley Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 26, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.5% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (38th 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 $102K in Q2 2026, 1.0% above the same quarter a year earlier ($101K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
1 of 15 compared published fees sit above the Oregon median; 10 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 Oregon medians for fees published by banks and credit unions.
NSF / Returned Item
Monthly Maintenance
Elite Checking
Wire Transfer (Domestic Out)
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.
Fee income rose 3.0% from Q3 2025 to Q2 2026, to $102K. Its share of revenue, 5.5%, is below the 7.2% median for credit unions with under $300M in assets.
$102K
Valley 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.
Valley Federal Credit Union · $119M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Valley Federal Credit Union(this institution) | Salem, OR | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| A.A.E.C. Federal Credit Union | Arlington Heights, IL | $119M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Brewer Federal Credit Union | Brewer, ME | $118M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Casco Federal Credit Union | Gorham, ME | $121M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Centex Citizens Federal Credit Union | Mexia, TX | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cgr Federal Credit Union | Macon, GA | $120M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Circle Federal Credit Union | Niles, MI | $117M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community Federal Credit Union | Lewiston, ME | $120M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Desert Rivers Federal Credit Union | Moab, UT | $117M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Estacado Federal Credit Union | Hobbs, NM | $120M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First American Federal Credit Union | Casa Grande, AZ | $120M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Governmental Employees Federal Credit Union | La Crosse, WI | $122M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hancock Federal Credit Union | Findlay, OH | $118M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| La Loma Federal Credit Union | Loma Linda, CA | $117M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Marquette Community Federal Credit Union | Marquette, MI | $117M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| North Star Federal Credit Union | Cook, MN | $116M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Nova Federal Credit Union | Charlotte, NC | $121M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Omaha Federal Credit Union | Omaha, NE | $118M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Prestige Community Federal Credit Union | Dallas, TX | $119M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Richland Federal Credit Union | Sidney, MT | $119M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Sea Air Federal Credit Union | Seal Beach, CA | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sound Federal Credit Union | Norwalk, CT | $116M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| United Local Federal Credit Union | Fresno, CA | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Valley Federal Credit Union | Brownsville, TX | $119M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| White Rose Federal Credit Union | York, PA | $115M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Wichita Falls Teachers Federal Credit Union | Wichita Falls, TX | $116M | 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 · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $8, against a peer median of $7 among 13 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 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 Valley 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 | $102K | −$8K | −7.3% |
| Q1 2026 | $110K | +$10K | +10.0% |
| Q4 2025 | $100K | +$1K | +1.0% |
| Q3 2025 | $99K | −$2K | −2.0% |
| Q2 2025 | $101K | +$19K | +23.2% |
| Q1 2025 | $82K | −$19K | −18.8% |
| Q4 2024 | $101K | −$5K | −4.7% |
| Q3 2024 | $106K | +$22K | +26.2% |
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 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 Federal Credit Union by share.
Amounts from Valley Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per month
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Elite Checking Monthly service charge | $8Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Inactivity Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconciliation & Research | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper statement fee | $2.50Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| NSF Fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Plastic Cards – Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Plastic Cards Rush Order | $35Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Foreign transactions | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Fee | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Credit Union Cashier’s Checks | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Fee | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Over-the-Counter Checks | $2.50Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Items Sent for Collection | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy | $1.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Legal Processing Fee (garnishments, tax levies, etc.) | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy Fee | $2Not compared: Monthly charge, not per item | per month | None |
| Skip Payment | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 26, 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 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
| Salem, OR | 1 |
Largest competitors nearby
Local market: Marion and Polk counties, OR, around its headquarters.
| 16 in its local market | Deposit share |
|---|---|
| U.S. Bank National Association | 20.5% |
| Columbia Bank | 19% |
| JPMorgan Chase Bank, National Association | 16% |
| Wells Fargo Bank, National Association | 14.7% |
| Pioneer Trust 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.