Compared with California
13 of 18
compared fees are above the median.
3 below, 2 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
82nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 18 compared; 3 below, 2 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for Corazo 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 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. | Corazo Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 13% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (82nd 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 $552K in Q2 2026, 22% below the same quarter a year earlier ($710K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
13 of 18 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.
Non-Network ATM
Monthly Maintenance
Compared at $8, the middle of its prices
Overdraft (OD)
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 34% from Q3 2025 to Q2 2026, to $552K. Its share of revenue, 13%, is above the 7.2% median for credit unions with under $300M in assets.
$552K
Corazo 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. *Monthly maintenance: Listed at $7 to $9; we compare the midpoint.
Corazo Federal Credit Union · $244M 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 |
|---|---|---|---|---|---|---|---|
| Corazo Federal Credit Union(this institution) | El Centro, CA | $244M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bossier Federal Credit Union | Bossier City, LA | $245M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Building Trades Federal Credit Union | Maple Grove, MN | $250M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Bull Dog Federal Credit Union | Hagerstown, MD | $238M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Encompass Federal Credit Union | Tipton, IN | $241M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Service Federal Credit Union | Groveport, OH | $236M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Geovista Federal Credit Union | Hinesville, GA | $247M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greater Alliance Federal Credit Union | Paramus, NJ | $248M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Illinois State Federal Credit Union | Normal, IL | $249M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Investex Federal Credit Union | Humble, TX | $245M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jersey Shore Federal Credit Union | Northfield, NJ | $246M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Luso Federal Credit Union | Ludlow, MA | $245M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mc Federal Credit Union | Danville, PA | $247M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meritus Federal Credit Union | Lafayette, LA | $246M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Michigan One Community Federal Credit Union | Ionia, MI | $240M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Novation Federal Credit Union | Oakdale, MN | $244M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nw Priority Federal Credit Union | Portland, OR | $248M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ohio Valley Community Federal Credit Union | Clarington, OH | $244M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pioneer Appalachia Federal Credit Union | Charleston, WV | $245M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Pyramid Federal Credit Union | Tucson, AZ | $248M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Seaboard Federal Credit Union | Bucksport, ME | $246M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Shrewsbury Federal Credit Union | Shrewsbury, MA | $249M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Skypoint Federal Credit Union | Germantown, MD | $243M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southbridge Federal Credit Union | Southbridge, MA | $242M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sterling Federal Credit Union | Sterling, CO | $247M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| True North Federal Credit Union | Juneau, AK | $236M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $8, the middle of its two prices, against a peer median of $7 among 12 publishing peers.
Its two checking prices are $7 and $9.
$8 is a comparison price, not a fee anyone is charged.
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 Corazo 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 | $552K | −$78K | −12.4% |
| Q1 2026 | $630K | −$185K | −22.7% |
| Q4 2025 | $815K | −$16K | −1.9% |
| Q3 2025 | $831K | +$121K | +17.0% |
| Q2 2025 | $710K | −$1K | −0.1% |
| Q1 2025 | $711K | −$35K | −4.7% |
| Q4 2024 | $746K | −$44K | −5.6% |
| Q3 2024 | $790K | +$52K | +7.0% |
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, Corazo 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 Corazo Federal Credit Union by share.
Amounts from Corazo Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly service fee | $9Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Car Fax (audience not stated, treated as personal) | $30Above the U.S. middle 50% ($7 to $25 nationally) | Not stated | None |
| Paper Statements | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Reg D excess transaction (Phone transfers) (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| Lower Overdraft Fee | $14Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Privilege (audience not stated, treated as personal) | $14Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| EFT and ACH Non-Sufficient Funds (audience not stated, treated as personal) | $14Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) Check (audience not stated, treated as personal) | $14Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Non-CO-OP ATM withdrawals | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Card order rush request | $60Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| International Service Assessment Fee | 2% | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Domestic | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: International | $60Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier's/Official Check | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Non-Member Check Cashing (on-us/Official) | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Cash & Deposit | |||
| Non-Member Cash Advance | $25Above the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Returned deposit/loan payment check | $35Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Levies Processing | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Payoff Demand (Real Estate) | $40Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Payoff Demand (Real Estate) (audience not stated, treated as personal) | $40Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Reconveyance and Recording (Real Estate) | $250Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Reconveyance and Recording (Real Estate) (audience not stated, treated as personal) | $250Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Returned Loan Payment | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip-A-Pay (audience not stated, treated as personal) | $40Above 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
vs. the U.S. middle 50%:BelowInsideAbove
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Paper Statements | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
ATM & Card | |||
| Non-CO-OP ATM withdrawals | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Card order rush request | $60Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| International Service Assessment Fee | 2% | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Domestic | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: International | $60Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| BUSINESS ACCOUNTS: Cashier’s/Official Check | $10 | Not stated | None |
| Cashier's/Official Check | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Non-Member Check Cashing (on-us/Official) | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Cash & Deposit | |||
| Non-Member Cash Advance | $25Above the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Returned deposit/loan payment check | $35Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary service (For transacting non-CU business) | $15 | per item | None |
| Levies Processing | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Payoff Demand (Real Estate) | $40Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Reconveyance and Recording (Real Estate) | $250Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Returned Loan Payment | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 31, 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 Corazo Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Imperial, CA | 2 |
| Brawley, CA | 1 |
| Calexico, CA | 1 |
| El Centro, CA | 1 |
| La Quinta, CA | 1 |
Largest competitors nearby
Local market: Imperial county, CA, around its headquarters.
| 8 in its local market | Deposit share |
|---|---|
| Mechanics Bank | 26.6% |
| Wells Fargo Bank, National Association | 24.8% |
| JPMorgan Chase Bank, National Association | 18.3% |
| Bank of America, National Association | 15.4% |
| U.S. Bank National Association | 9.6% |
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.