Compared with California
15 of 23
compared fees are above the median.
3 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
19th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 23 compared; 3 below, 5 about the same
See the feesFee schedule read Oct 18, 2026
Call-report figures are for Uncle 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 569 credit unions with $300M to $1B 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. | Uncle Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 18, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 4.8% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (19th 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 $530K in Q2 2026, 34% below the same quarter a year earlier ($808K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
15 of 23 compared published fees sit above the California median; 3 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.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
Compared at $2, the middle of its prices
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 31% from Q3 2025 to Q2 2026, to $530K. Its share of revenue, 4.8%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$530K
Uncle 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 569 credit unions with $300M to $1B 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 $2 to $5; we compare the midpoint.
Uncle Federal Credit Union · $716M 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Uncle Federal Credit Union(this institution) | Livermore, CA | $716M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alliance Catholic Federal Credit Union | Farmington Hills, MI | $719M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| America'S Credit Union, A | DuPont, WA | $710M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Apl Federal Credit Union | Laurel, MD | $724M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Arizona Central Federal Credit Union | Phoenix, AZ | $733M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Armco Federal Credit Union | Butler, PA | $719M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bmi Federal Credit Union | Dublin, OH | $732M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Copper State Federal Credit Union | Phoenix, AZ | $701M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cornerstone Community Federal Credit Union | Lockport, NY | $730M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Choice America Community Federal Credit Union | Weirton, WV | $714M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Citizens' Federal Credit Union | Fairhaven, MA | $706M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Generations Community Federal Credit Union | San Antonio, TX | $735M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greater Iowa Federal Credit Union | Ames, IA | $715M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heartland Federal Credit Union | Hutchinson, KS | $726M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Legacy Community Federal Credit Union | Birmingham, AL | $727M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lokahi Federal Credit Union | Honolulu, HI | $702M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mainstreet Federal Credit Union | Lenexa, KS | $703M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mass. Institute Of Tech. Federal Credit Union | Lexington, MA | $731M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Members Choice Federal Credit Union | Houston, TX | $721M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meridian Trust Federal Credit Union | Cheyenne, WY | $731M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mypoint Federal Credit Union | San Diego, CA | $705M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northland Area Federal Credit Union | Alpena, MI | $714M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sharefax Federal Credit Union | Cincinnati, OH | $721M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Superior Choice Federal Credit Union | Superior, WI | $730M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Umassfive College Federal Credit Union | Hadley, MA | $703M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| We Florida Financial Federal Credit Union | Fort Lauderdale, FL | $700M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.50 among 16 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 Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Uncle Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Uncle 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 | $530K | −$10K | −1.9% |
| Q1 2026 | $540K | −$237K | −30.5% |
| Q4 2025 | $777K | +$9K | +1.2% |
| Q3 2025 | $768K | −$40K | −5.0% |
| Q2 2025 | $808K | +$69K | +9.3% |
| Q1 2025 | $739K | −$37K | −4.8% |
| Q4 2024 | $776K | +$12K | +1.6% |
| Q3 2024 | $764K | +$33K | +4.5% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Uncle 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 Uncle Federal Credit Union by share.
Amounts from Uncle Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per month
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Money Market Below Minimum Balance Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Account (balances less than $10,000) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheat Notice | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Statement Reconcilement/Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address / Locator | $25Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Non-Sufficient Funds, Item Paid (Courtesy Pay) | $14Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds, Item Returned | $14Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer (each overdraft from shares) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Balance Inquiry at Non-UNCLE/Non-CO-OP | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Transfer at Non-UNCLE/Non-CO-OP ATM | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Withdrawal at Non-UNCLE/Non-CO-OP ATM | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Uncle ATM | $5Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fees: Domestic Outgoing | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Fees: Foreign Outgoing | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier’s Check - Non-Member | $15Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Cashier’s Check Stop Payment/Reissue | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment (includes ACH) | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing (no loan and deposit balances <$300) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Item - Check/Special Handling | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection Item – Foreign/Non U.S | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of Item - Deposit/Tax Forms | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy of Item - Share Draft (each) 2 free per month, then | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Coin Counting – Member (waived for youth) (audience not stated, treated as personal) | 6% | Not stated | None |
| Returned Deposit Item (3rd Party/Self to Self) | $35Above the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Drill Box (non-payment/2 lost keys) | $199Not compared: Monthly charge, not annual | per month | None |
| Lost Key (1 key) | $50Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box | $150Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 10x10 | $175Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10 | $125Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 5 | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 5 | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Levy/Garnishment | $100Above the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| Compliance with Legal Orders - Minimum Billing | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Lending Fees | |||
| Late Fee (60 days or greater) | $10Below the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Late Fee (90 days or greater) | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Outgoing Transfer/Rollover | $20Below the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement/Account Printout | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 18, 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 Uncle Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Livermore, CA | 2 |
| Pleasanton, CA | 1 |
| Stockton, CA | 1 |
| Tracy, CA | 1 |
Largest competitors nearby
Local market: Alameda county, CA, around its headquarters.
| 44 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 21.4% |
| JPMorgan Chase Bank, National Association | 20.7% |
| Bank of America, National Association | 18% |
| Citibank, National Association | 7.1% |
| Fremont Bank | 5.3% |
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.