Uncle Federal Credit Union

Headquarters: Livermore, California
Charter: Credit Union
Assets: $716.1M
Fed district: San Francisco
Regulator: NCUA

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

Source: its fee schedule, read Oct 18, 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 18, 2026

How these figures are measured

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) 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.	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

Details

Source: NCUA 5300 call report
Entity: Uncle 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 $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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Uncle Federal Credit Union: $14
Uncle Federal Credit Union: $14
U.S. median: no median
NSF / Returned Item
Uncle Federal Credit Union: $14
Uncle Federal Credit Union: $14
U.S. median: no median
Non-Network ATM
Compared at $2, the middle of its prices
Uncle Federal Credit Union: $2 to $5
Uncle Federal Credit Union: $2 to $5
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 18, 2026View sources

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.

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).
California: Banks and credit unions headquartered in California 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 31% from Q3 2025 to Q2 2026, to $530K.

Fee income, Q2 2026

$530K

$768KQ3 2025

$777KQ4 2025

$540KQ1 2026

$530KQ2 2026

Against the median

Uncle 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

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.

Credit unions only
$700M to $735M in assets
Headquartered in 18 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
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.

Fee type

Peer pricing snapshot

Uncle Federal Credit Union does not publish a monthly maintenance fee in the index.

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.

Uncle Federal Credit UnionPeer (equal prices stack)Peer median

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.

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 Uncle 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: $530K
vs prior quarter: −$10K−1.9%; from Q1 2026
vs a year earlier: −$278K−34.4%; from Q2 2025
vs start of range: −$234K−30.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Uncle 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	$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%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Money Market Below Minimum Balance Fee$10
per month
Dormant Account (balances less than $10,000)$10
per month
Escheat Notice$2
Statement Reconcilement/Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Bad Address / Locator$25

Overdraft & NSF

Non-Sufficient Funds, Item Paid (Courtesy Pay)$14
Non-Sufficient Funds, Item Returned$14
Overdraft Transfer (each overdraft from shares)$5
per item

ATM & Card

ATM Balance Inquiry at Non-UNCLE/Non-CO-OP$2
ATM Transfer at Non-UNCLE/Non-CO-OP ATM$2
ATM Withdrawal at Non-UNCLE/Non-CO-OP ATM$2
Uncle ATM$5

Wire Transfers

Wire Transfer Fees: Domestic Outgoing$30
Incoming Wire$15
Wire Transfer Fees: Foreign Outgoing$45

Check Services

Cashier’s Check$5
Cashier’s Check - Non-Member$15
Money Order$5
Cashier’s Check Stop Payment/Reissue$30
Stop Payment (includes ACH)$30
Check Cashing (no loan and deposit balances <$300)$5
Collection Item - Check/Special Handling$25
Collection Item – Foreign/Non U.S$25
Copy of Item - Deposit/Tax Forms$5
Copy of Item - Share Draft (each) 2 free per month, then$2
per item

Cash & Deposit

Coin Counting – Member (waived for youth) (audience not stated, treated as personal)6%
Returned Deposit Item (3rd Party/Self to Self)$35

Account Services

Drill Box (non-payment/2 lost keys)$199
Not compared: Monthly charge, not annual
per month
Lost Key (1 key)$50
Not compared: Box drilling or key fee
Safe Deposit Box$150
Safe Deposit Box 10x10$175
per year
Safe Deposit Box 3 x 10$125
per year
Safe Deposit Box 3 x 5$75
per year
Safe Deposit Box 5 x 5$100
per year
Levy/Garnishment$100
Compliance with Legal Orders - Minimum Billing$100

Lending Fees

Late Fee (60 days or greater)$10
Late Fee (90 days or greater)$25

Retirement & IRA

IRA Outgoing Transfer/Rollover$20

Other Fees

Copy of Statement/Account Printout$5

Fee	Amount	Basis	Note
Account Maintenance
Money Market Below Minimum Balance Fee	$10	per month	None
Dormant Account (balances less than $10,000)	$10	per month	None
Escheat Notice	$2	Not stated	None
Statement Reconcilement/Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Bad Address / Locator	$25	Not stated	None
Overdraft & NSF
Non-Sufficient Funds, Item Paid (Courtesy Pay)	$14	Not stated	None
Non-Sufficient Funds, Item Returned	$14	Not stated	None
Overdraft Transfer (each overdraft from shares)	$5	per item	None
ATM & Card
ATM Balance Inquiry at Non-UNCLE/Non-CO-OP	$2	Not stated	None
ATM Transfer at Non-UNCLE/Non-CO-OP ATM	$2	Not stated	None
ATM Withdrawal at Non-UNCLE/Non-CO-OP ATM	$2	Not stated	None
Uncle ATM	$5	Not stated	None
Wire Transfers
Wire Transfer Fees: Domestic Outgoing	$30	Not stated	None
Incoming Wire	$15	Not stated	None
Wire Transfer Fees: Foreign Outgoing	$45	Not stated	None
Check Services
Cashier’s Check	$5	Not stated	None
Cashier’s Check - Non-Member	$15	Not stated	None
Money Order	$5	Not stated	None
Cashier’s Check Stop Payment/Reissue	$30	Not stated	None
Stop Payment (includes ACH)	$30	Not stated	None
Check Cashing (no loan and deposit balances <$300)	$5	Not stated	None
Collection Item - Check/Special Handling	$25	Not stated	None
Collection Item – Foreign/Non U.S	$25	Not stated	None
Copy of Item - Deposit/Tax Forms	$5	Not stated	None
Copy of Item - Share Draft (each) 2 free per month, then	$2	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)	$35	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	$150	Not stated	None
Safe Deposit Box 10x10	$175	per year	None
Safe Deposit Box 3 x 10	$125	per year	None
Safe Deposit Box 3 x 5	$75	per year	None
Safe Deposit Box 5 x 5	$100	per year	None
Levy/Garnishment	$100	Not stated	None
Compliance with Legal Orders - Minimum Billing	$100	Not stated	None
Lending Fees
Late Fee (60 days or greater)	$10	Not stated	None
Late Fee (90 days or greater)	$25	Not stated	None
Retirement & IRA
IRA Outgoing Transfer/Rollover	$20	Not stated	None
Other Fees
Copy of Statement/Account Printout	$5	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

Correct a fee source

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.

Fee change alerts

Get an email when Uncle Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.