Compared with Washington
12 of 25
compared fees are above the median.
6 below, 7 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
53rd percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Washington median
of 25 compared; 6 below, 7 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Sound 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 452 credit unions with $1B to $10B 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 Washington median | Published fees above the Washington median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Sound Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.9% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (53rd 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 $4.0M in Q2 2026, 16% above the same quarter a year earlier ($3.5M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
12 of 25 compared published fees sit above the Washington median; 6 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 Washington medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Interest Checking
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Washington, 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 7.6% from Q3 2025 to Q2 2026, to $4.0M. Its share of revenue, 6.9%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$4.0M
Sound 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Sound Federal Credit Union · $3.4B 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 |
|---|---|---|---|---|---|---|---|
| Sound Federal Credit Union(this institution) | Tacoma, WA | $3.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Achieva Credit Union | Dunedin, FL | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Altra Federal Credit Union | Onalaska, WI | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Arkansas Federal Credit Union | Little Rock, AR | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| California Coast Federal Credit Union | San Diego, CA | $3.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Chartway Federal Credit Union | Virginia Beach, VA | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Coastal1 Federal Credit Union | Pawtucket, RI | $3.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community First Credit Union of Flo | Jacksonville, FL | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Eastrise Federal Credit Union | Williston, VT | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Eglin Federal Credit Union | Fort Walton Beach, FL | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Elevations Federal Credit Union | Boulder, CO | $3.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| F & A Federal Credit Union | Monterey Park, CA | $3.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Community Federal Credit Union | Houston, TX | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gte Federal Credit Union | Tampa, FL | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Harborstone Federal Credit Union | Tacoma, WA | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Indiana Members Federal Credit Union | Indianapolis, IN | $3.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Metro Federal Credit Union | Chelsea, MA | $3.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oregon Community Federal Credit Union | Eugene, OR | $3.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Premier America Federal Credit Union | Chatsworth, CA | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Provident Federal Credit Union | Redwood City, CA | $3.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Rivermark Community Federal Credit Union | Oregon City, OR | $3.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southern Energy Federal Credit Union | Birmingham, AL | $3.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tennessee Valley Federal Credit Union | Chattanooga, TN | $3.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Trumark Financial Federal Credit Union | Fort Washington, PA | $3.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Usalliance Federal Credit Union | Rye, NY | $3.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Whatcom Educational Federal Credit Union | Bellingham, WA | $3.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $7, against a peer median of $8 among 11 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 31, 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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Sound 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 | $4.0M | +$465K | +13.0% |
| Q1 2026 | $3.6M | −$164K | −4.4% |
| Q4 2025 | $3.7M | −$14K | −0.4% |
| Q3 2025 | $3.8M | +$279K | +8.0% |
| Q2 2025 | $3.5M | −$95K | −2.7% |
| Q1 2025 | $3.6M | −$80K | −2.2% |
| Q4 2024 | $3.6M | −$76K | −2.0% |
| Q3 2024 | $3.7M | +$350K | +10.4% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Sound 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 Sound Federal Credit Union by share.
Amounts from Sound 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 quarter
per item
per item
per item
per item
per day
per transaction
per item
per item
per item
per item
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per transaction
per item
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per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Fee (Interest Checking) | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Fee Amount | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Program Inactive Account (after 1 year): Fee Amount | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Fee Amount | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Program Wrong Address: Fee Amount | $10Not compared: Quarterly charge, not monthly | per quarter | None |
Overdraft & NSF | |||
| Program Courtesy Pay (1 NSF or Courtesy Pay refund per calendar year upon request): Fee Amount | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Program NSF (1 NSF or Courtesy Pay refund per calendar year upon request): Fee Amount | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Fondos insuficientes | $29Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Program Returned Item (reason other than NSF): Fee Amount | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Program Overdraft Transfer: Fee Amount | $5Not compared: Daily charge, not per item | per day | None |
ATM & Card | |||
| Retiro de tarjeta no perteneciente a la red en un cajero automático de Sound | $3.50Above the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Program Card Replacement: Fee Amount | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Program Overnight/Express Shipping: Fee Amount | $25Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Program Wire Transfer - Domestic (outgoing): Fee Amount | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Program Wire Transfer - International (outgoing): Fee Amount | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Program Money Order 3 free per month for Sound Debit Accounts: Fee Amount | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Program Stop Payment: Fee Amount | $32Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Cobro de cheques para no miembros | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Program Foreign Check Processing | $100Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Program Document Retrieval (includes check copies): Fee Amount | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Program Coin Processing | 8% | per day | None |
| Program Coin Processing (audience not stated, treated as personal) | 8% | per day | None |
| Program Deposit Return Fee (returned check of depositor): Fee Amount | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Fee Amount | $10Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Program 10 X 10 X 21: Fee Amount | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Program 3 X 10 X 21: Fee Amount | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Program 3 X 5 X 21: Fee Amount | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Program 5 X 10 X 21: Fee Amount | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Program 5 X 5 X 21: Fee Amount | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Program Box Drilling: Fee Amount | $250Not compared: Box drilling or key fee | Not stated | None |
| Program Replacement Key: Fee Amount | $20Not compared: Box drilling or key fee | Not stated | None |
| Program Legal Action (garnishments/levies): Fee Amount | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Program Subordination: Fee Amount | $245Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Lending Fees | |||
| Fee Amount | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Program Consumer Loan Late Payment | 5%($29 minimum) | Not stated | None |
| Program Consumer Loan Late Payment (audience not stated, treated as personal) | 5%($29 minimum) | Not stated | None |
Vehicle & Title | |||
| Transferencia de título | $46Inside the U.S. middle 50% ($15 to $50 nationally) | per transaction | None |
Gift & Prepaid Cards | |||
| Program Visa Gift Card Purchase: Fee Amount | $3.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Envío exprés/de un día para otro | $25Inside the U.S. middle 50% ($20 to $40 nationally) | per item | None |
| Program Photocopy: Fee Amount | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Program Statement Copy: Fee Amount | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Program Home Equity Reconveyance: Fee Amount | $370.50Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Program Skip-A-Pay (program available for eligible consumer loans): Fee Amount | $32Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 1, 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 Sound Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
27 offices in 1 state (June 30, 2026)
Each dot is one office.
3 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Tacoma, WA | 5 |
| Lynnwood, WA | 2 |
| Olympia, WA | 2 |
| Puyallup, WA | 2 |
| Auburn, WA | 1 |
| Bellevue, WA | 1 |
| Bonney Lake, WA | 1 |
| Bothell, WA | 1 |
Largest competitors nearby
Local market: Pierce county, WA, around its headquarters.
| 29 in its local market | Deposit share |
|---|---|
| Columbia Bank | 32.5% |
| Bank of America, National Association | 14% |
| JPMorgan Chase Bank, National Association | 10.5% |
| Wells Fargo Bank, National Association | 9.9% |
| KeyBank National Association | 8.5% |
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.