Compared with California
2 of 7
compared fees are above the median.
4 below, 1 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
12th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 7 compared; 4 below, 1 about the same
See the feesFee schedule read Mar 17, 2026
Call-report figures are for Cabrillo 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. | Cabrillo Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Mar 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 3.9% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (12th 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 $349K in Q2 2026, 29% below the same quarter a year earlier ($490K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 7 compared published fees sit above the California median; 4 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
Basic Checking
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 32% from Q3 2025 to Q2 2026, to $349K. Its share of revenue, 3.9%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$349K
Cabrillo 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.
Cabrillo Federal Credit Union · $574M 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 |
|---|---|---|---|---|---|---|---|
| Cabrillo Federal Credit Union(this institution) | San Diego, CA | $574M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Argent Federal Credit Union | Chesterfield, VA | $572M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ascentra Federal Credit Union | Bettendorf, IA | $596M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Associated Credit Union of Texas | League City, TX | $588M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Diversified Members Federal Credit Union | Detroit, MI | $589M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Dupage Federal Credit Union | Naperville, IL | $600M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Dutch Point Federal Credit Union | Wethersfield, CT | $565M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Education First Federal Credit Union | Beaumont, TX | $583M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Embold Federal Credit Union | Oregon City, OR | $596M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Firelands Federal Credit Union | Bellevue, OH | $580M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First New York Federal Credit Union | Albany, NY | $574M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First U.S. Community Federal Credit Union | Sacramento, CA | $548M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Freedom Of Maryland Federal Credit Union | Bel Air, MD | $557M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heartland Federal Credit Union | Springfield, IL | $574M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| I-C Federal Credit Union | Fitchburg, MA | $583M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Partners 1St Federal Credit Union | Fort Wayne, IN | $546M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Resource One Federal Credit Union | Dallas, TX | $555M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Securityplus Federal Credit Union | Baltimore, MD | $597M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Simplicity Federal Credit Union | Marshfield, WI | $547M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Siu Federal Credit Union | Carbondale, IL | $591M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Soarion Federal Credit Union | San Antonio, TX | $556M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tech Federal Credit Union | Crown Point, IN | $599M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Southern Federal Credit Union | Fayetteville, GA | $560M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Transcend Federal Credit Union | Louisville, KY | $588M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| U. T. Federal Credit Union | Knoxville, TN | $554M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Union Square Credit Union | Wichita Falls, TX | $601M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $6 among 17 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 Cabrillo 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 | $349K | +$22K | +6.7% |
| Q1 2026 | $327K | −$142K | −30.3% |
| Q4 2025 | $469K | −$45K | −8.8% |
| Q3 2025 | $514K | +$24K | +4.9% |
| Q2 2025 | $490K | −$2K | −0.4% |
| Q1 2025 | $492K | +$19K | +4.0% |
| Q4 2024 | $473K | −$46K | −8.9% |
| Q3 2024 | $519K | +$19K | +3.8% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Cabrillo 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 Cabrillo Federal Credit Union by share.
Amounts from Cabrillo Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Basic Checking Monthly Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
Overdraft & NSF | |||
| Nonsufficient Funds ACH Debit | $14Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Nonsufficient Funds Returned | $14Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Foreign ATM Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Transactions (Of Purchase) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Checks | $14Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
Account Services | |||
| Levy / Garnishment | $35Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Mar 17, 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 Cabrillo Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
9 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| San Diego, CA | 5 |
| La Mesa, CA | 2 |
| Angola, IN | 1 |
| Chula Vista, 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.