Compared with California
6 of 22
compared fees are above the median.
6 below, 10 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
47th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 22 compared; 6 below, 10 about the same
See the feesFee schedule read Oct 16, 2026
Call-report figures are for Mypoint 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. | Mypoint Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 16, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.7% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (47th 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 $731K in Q2 2026, 9.1% below the same quarter a year earlier ($804K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 22 compared published fees sit above the California 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 California medians for fees published by banks and credit unions.
Overdraft (OD)
Monthly Maintenance
MyPoint+ Checking $6 · AnyAccess Checking $8.50 · MyVIP Checking $10 · AccessBuilder Checking $15
Compared at $9.25, the middle of its prices
Non-Network ATM
Compared at $1.50, 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 12% from Q3 2025 to Q2 2026, to $731K. Its share of revenue, 7.7%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$731K
Mypoint 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 $1 to $2; we compare the midpoint. Monthly maintenance: Listed at $6 to $15; we compare the midpoint.
Mypoint Federal Credit Union · $705M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Mypoint Federal Credit Union(this institution) | San Diego, CA | $705M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Abilene Teachers Federal Credit Union | Abilene, TX | $690M | Publishes Monthly maintenance | 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 |
| 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 |
| 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 |
| Fort Bragg Federal Credit Union | Fayetteville, NC | $690M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| 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 |
| Innovations Financial Federal Credit Union | Panama City, FL | $696M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| 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 |
| 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 |
| Uncle Federal Credit Union | Livermore, CA | $716M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $9.25, the middle of its four prices, against a peer median of $5 among 14 publishing peers.
Its four checking prices are $6, $8.50, $10 and $15.
$9.25 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 Nov 2, 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Mypoint 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 | $731K | +$51K | +7.5% |
| Q1 2026 | $680K | −$192K | −22.0% |
| Q4 2025 | $872K | +$37K | +4.4% |
| Q3 2025 | $835K | +$31K | +3.9% |
| Q2 2025 | $804K | −$33K | −3.9% |
| Q1 2025 | $837K | −$1K | −0.1% |
| Q4 2024 | $838K | −$4K | −0.5% |
| Q3 2024 | $842K | −$12K | −1.4% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Mypoint 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 Mypoint Federal Credit Union by share.
Amounts from Mypoint 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 month
per month
per hour
per item
per item
per item
per item
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| AccessBuilder Checking Monthly service charge | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| AnyAccess Checking Monthly service charge | $8.50Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| MyPoint+ Checking Monthly service charge | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| MyVIP Checking Monthly service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Close membership within 90 days of opening | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive account | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Notice of escheat | $2Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned statement due to invalid address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay over non-sufficient funds | $14Below the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft transfer from another share account | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| All other non-CO-OP ATMs (inquiries) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| All other non-CO-OP ATMs (withdrawals) | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| VISA International Service Assessment fee | 1.2%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfers: Outgoing Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfers: Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfers: Outgoing International | $45Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashiers check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary checks (packet of eight) | $6Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check cashing if less than $100 | $2Below the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check cashing if non-member | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Collection Item | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Account Services | |||
| Notary | $15Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Verification of deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Real Estate Reconveyance | $125Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 16, 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 Mypoint Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| San Diego, CA | 4 |
| Carlsbad, CA | 1 |
| El Cajon, CA | 1 |
| National City, CA | 1 |
Largest competitors nearby
Local market: San Diego county, CA, around its headquarters.
| 55 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 20.2% |
| Axos Bank | 17.1% |
| Wells Fargo Bank, National Association | 15.5% |
| Bank of America, National Association | 11.7% |
| U.S. Bank National Association | 8.6% |
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.