Compared with California
5 of 23
compared fees are above the median.
12 below, 6 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
21st percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 23 compared; 12 below, 6 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for Bay Cities 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. | Bay Cities Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 3.2% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (21st 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 $16K in Q2 2026, 71% below the same quarter a year earlier ($55K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 23 compared published fees sit above the California median; 12 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
Monthly Maintenance
1st Checking $5 · Dividend Checking $5 · Star Checking $5 · Express Checking $5 to $10
Compared at $5, the middle of its prices
NSF / Returned Item
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 72% from Q3 2025 to Q2 2026, to $16K. Its share of revenue, 3.2%, is below the 7.2% median for credit unions with under $300M in assets.
$16K
Bay Cities 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. *Monthly maintenance: Listed at $5 to $10; we compare the midpoint.
Bay Cities Credit Union · $78M in assets
Banks and credit unions in the San Francisco-Oakland-Fremont, CA metro
Banks and credit unions with branches in the San Francisco-Oakland-Fremont, CA metro: the local competitors for deposits and customers. They range from $13M to $4.1T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
Showing the 50 closest in assets of 73 peers; medians use all 73.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Bay Cities Credit Union(this institution) | Hayward, CA | $78M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| 1St Northern California Federal Credit Union | Martinez, CA | $829M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Amalgamated Bank | New York, NY | $9.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Atchison Village Federal Credit Union | Richmond, CA | $13M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| BAC Community Bank | Stockton, CA | $762M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank of America California, National Association | San Francisco, CA | $14.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Beneficial State Bank | Oakland, CA | $2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Blupeak Federal Credit Union | San Diego, CA | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Chevron Federal Credit Union | Concord, CA | $5.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens Business Bank, National Association | Ontario, CA | $21.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Commercial Bank of California | Irvine, CA | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community First Federal Credit Union | Santa Rosa, CA | $921M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Diablo Valley Federal Credit Union | Concord, CA | $40M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Dow Great Western Federal Credit Union | Antioch, CA | $48M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| East County Schools Federal Credit Union | El Cajon, CA | $147M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Exchange Bank | Santa Rosa, CA | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Firefighters First Federal Credit Union | Los Angeles, CA | $2.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Bank | St. Louis, MO | $6.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Federal Savings and Loan Association of San Rafael | San Rafael, CA | $222M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Hanmi Bank | Los Angeles, CA | $8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| I.L.W.U. Federal Credit Union | Long Beach, CA | $608M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Industrial and Commercial Bank of China USA, National Association | New York, NY | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Kaiperm Federal Credit Union | Walnut Creek, CA | $108M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Marin County Federal Credit Union | San Rafael, CA | $104M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Mckesson & Healthcare Providers Federal Credit Union | Martinez, CA | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Metropolitan Bank | Oakland, CA | $230M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Mission National Bank | San Francisco, CA | $276M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Monet Bank | Plano, TX | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Monterra Federal Credit Union | Redwood City, CA | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Nuvision Federal Credit Union | Huntington Beach, CA | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pacific Service Federal Credit Union | Concord, CA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Patelco Federal Credit Union | Dublin, CA | $9.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Polam Federal Credit Union | Redwood City, CA | $73M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Premier One Federal Credit Union | San Jose, CA | $656M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 |
| Redwood Credit Union | Santa Rosa, CA | $10.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| San Francisco Federal Credit Union | San Francisco, CA | $1.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| San Francisco Fire Federal Credit Union | San Francisco, CA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sea West Coast Guard Federal Credit Union | Oakland, CA | $378M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Shell Western States Federal Credit Union | Martinez, CA | $66M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Stanford Federal Credit Union | Palo Alto, CA | $4.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sun Pacific Federal Credit Union | Richmond, CA | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sunward Federal Credit Union | Albuquerque, NM | $4.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Technology Federal Credit Union | San Jose, CA | $4.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Travis Federal Credit Union | Vacaville, CA | $5.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Tri Counties Bank | Chico, CA | $9.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Uncle Federal Credit Union | Livermore, CA | $716M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Association Federal Credit Union | Concord, CA | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Upward Federal Credit Union | Burlingame, CA | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Utility District Federal Credit Union | Oakland, CA | $34M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Westamerica Bank | San Rafael, CA | $5.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
73 peers selected · 44 publish this fee(monthly maintenance)
29 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5, the middle of its five prices, against a peer median of $9.50 among 44 publishing peers.
Its five checking prices are $5, $5, $5, $5 and $10.
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, among the 50 peers shown
Hamilton is the Fee Insight workspace for pricing teams.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Bay Cities 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 | $16K | −$41K | −71.9% |
| Q1 2026 | $57K | −$3K | −5.0% |
| Q4 2025 | $60K | +$2K | +3.4% |
| Q3 2025 | $58K | +$3K | +5.5% |
| Q2 2025 | $55K | −$1K | −1.8% |
| Q1 2025 | $56K | −$3K | −5.1% |
| Q4 2024 | $59K | $0 | 0.0% |
| Q3 2024 | $59K | −$1K | −1.7% |
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, Bay Cities 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 Bay Cities Credit Union by share.
Amounts from Bay Cities Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month · without e-Statements
per month
per month · with e-Statements OR Direct Deposit
per month · without e-Statements & Direct Deposit
per month · with either e-Statements or Direct Deposit
per month
per item
per month · after 12 months of no activity
per item · for every withdrawal over 1 per year
per item
per item
per item · for each share savings transfer
per item · Transfer from Automatic Overdraft Line of Credit Loans
per item · for every withdrawal over 6 per quarter; No charge with balance of $1,000 or minimum $25 payroll deduction/direct deposit
per item
per item
per item
per item · No charge for members with a combined balance of $1,000
per item
per item
per item
per item
per item
per item
per item
per item
per item · No charge for members with a combined balance of $1,000
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| 1st Checking Monthly Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | without e-Statements |
| Dividend Checking Monthly Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Express Checking Monthly Fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | with e-Statements OR Direct Deposit |
| Express Checking Monthly Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | without e-Statements & Direct Deposit |
| Star Checking Monthly Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | with either e-Statements or Direct Deposit |
| Below Minimum Balance - Savings/Money Market | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Closed account | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheat Letter Fee | $2Below the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Inactivity Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | after 12 months of no activity |
| Club Accounts - Excess Withdrawal Fee | $5Below the U.S. middle 50% ($7 to $25 nationally) | per item | for every withdrawal over 1 per year |
| Credit Report Research Fee | $25Inside the U.S. middle 50% ($7 to $25 nationally) | per item | None |
| Fax Request | $3Below the U.S. middle 50% ($7 to $25 nationally) | Not stated | None |
| Reg. D Excessive Transaction | $5Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| Returned checks non-sufficient funds | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Automatic Overdraft Fee - Express Checking Share Savings Transfer | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | for each share savings transfer |
| Automatic Overdraft Fee - Line of Credit Transfer | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | per item | Transfer from Automatic Overdraft Line of Credit Loans |
ATM & Card | |||
| ATM Transaction Fee - Savings Account | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | for every withdrawal over 6 per quarter; No charge with balance of $1,000 or minimum $25 payroll deduction/direct deposit |
| ATM transaction fee on savings account | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Lost ATM or Visa Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer - USA | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Cashier's Checks Issued to Non-Members | $20Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Cashier's Checks Payable to 2nd Party | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | No charge for members with a combined balance of $1,000 |
| Credit Union Cashier’s Checks | $20Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Online Bill Pay Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop payment of Credit Union Cashier’s Checks | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check cashing fee (audience not stated, treated as personal) | 1.5% | Not stated | None |
| CU Service Center - Check Withdrawal | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Foreign Collection item | $20Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Copy of paid checks | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Rejected Automated Clearing House (ACH) Debit | $25Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Automated Bill Paying Service | $5Not compared: Per-occurrence charge, not monthly | per item | No charge for members with a combined balance of $1,000 |
| Online Bill Pay Check Copy | $20Not compared: Per-occurrence charge, not monthly | per item | None |
Cash & Deposit | |||
| Coin counting fee (audience not stated, treated as personal) | 2% | Not stated | None |
Account Services | |||
| Notary Fee | $15Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Tax Levies | $25Below the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Tax Levy | $25Below the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Subordination Fee | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Verification of Deposit Fee | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Other Fees | |||
| Duplicate statements/printouts | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Reconveyance Fee | $45Above the U.S. middle 50% ($20 to $37.50 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 15, 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 Bay Cities 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
| Hayward, 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.