Compared with California
10 of 24
compared fees are above the median.
7 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
14th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 24 compared; 7 below, 7 about the same
See the feesFee schedule read Apr 21, 2026
Call-report figures are for American First 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 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. | American First Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Apr 21, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 3.3% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (14th 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 $634K in Q2 2026, 11% below the same quarter a year earlier ($713K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
10 of 24 compared published fees sit above the California median; 7 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
Non-Network ATM
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 19% from Q3 2025 to Q2 2026, to $634K. Its share of revenue, 3.3%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$634K
American First 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.
American First Federal Credit Union · $1.4B 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| American First Federal Credit Union(this institution) | Brea, CA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Avadian Federal Credit Union | Birmingham, AL | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cobalt Federal Credit Union | Papillion, NE | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Directions Federal Credit Union | Toledo, OH | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Educational Systems Federal Credit Union | Greenbelt, MD | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Farmers Insurance Federal Credit Union | Los Angeles, CA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Great Lakes Federal Credit Union | Bannockburn, IL | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Gulf Winds Federal Credit Union | Pensacola, FL | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Island Federal Credit Union | Hauppauge, NY | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Launch Credit Union | Merritt Island, FL | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Leaders Credit Union | Jackson, TN | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Los Angeles Police Federal Credit Union | Van Nuys, CA | $1.4B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Neighbors Federal Credit Union | Baton Rouge, LA | $1.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Notre Dame Federal Credit Union | Notre Dame, IN | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Orion Federal Credit Union | Memphis, TN | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 |
| Park Federal Credit Union | Louisville, KY | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Patriot Federal Credit Union | Chambersburg, PA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Quorum Federal Credit Union | Purchase, NY | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Rize Federal Credit Union | El Monte, CA | $1.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Sandia Area Federal Credit Union | Albuquerque, NM | $1.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sharon & Crescent United Federal Credit Union | Sharon, MA | $1.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sharonview Federal Credit Union | Fort Mill, SC | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Silver State Schools Federal Credit Union | Las Vegas, NV | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Southland Federal Credit Union | Los Alamitos, CA | $1.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Truity Federal Credit Union | Bartlesville, OK | $1.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $0, against a peer median of $10 among 15 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 27, 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 27, 2026. Total assets from FDIC and NCUA records.
Call reports for American First 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 | $634K | +$21K | +3.4% |
| Q1 2026 | $613K | −$174K | −22.1% |
| Q4 2025 | $787K | +$4K | +0.5% |
| Q3 2025 | $783K | +$70K | +9.8% |
| Q2 2025 | $713K | −$11K | −1.5% |
| Q1 2025 | $724K | −$42K | −5.5% |
| Q4 2024 | $766K | +$71K | +10.2% |
| Q3 2024 | $695K | +$40K | +6.1% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, American First 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 American First Federal Credit Union by share.
Amounts from American First Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Other accounts available with no monthly service fee | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Minimum balance fee (Single Srvc) | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Invalid Address | $3Below the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Fee/Non-Sufficient Funds (NSF) Fee | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Continuous Negative Balance Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Overdraft Transfer from a Line of Credit . No fee | $15Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Overdraft Transfer from a Share Account | $3.50Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Networks non-AFCU, Non CO-OP Locations | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement of Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Trans | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Corporate Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Fee (any item) | $29Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Zelle Stop Payment | $29Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks Printed at the Counter | $4Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Non-member Cashing a Check Drawn on AFCU | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Foreign Item/Check Processing | $5Below the U.S. middle 50% ($10 to $26 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay – unlimited bills | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Pay & Zelle | $5.95Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Bill Pay: DMV Duplicate Title or Lien Release | $25Not compared: Per-item charge, not monthly | per item | None |
| Check-By-Phone Payment | $10Not compared: Per-item charge, not monthly | per item | None |
Cash & Deposit | |||
| Returned Deposit Item/Payment Fee | $20Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Early Closure of Account (within 90 days of opening) | $25Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Service (by appointment only) | $15Above the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Legal Processing Fee | $60Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
| Verification of Deposit/Account | $20Above the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Lending Fees | |||
| Credit Card Late Payment | $15Inside the U.S. middle 50% ($15 to $25 nationally) | per item | None |
Retirement & IRA | |||
| IRA Maintenance Fee | $10Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
Vehicle & Title | |||
| DMV Duplicate Title or Lien Release | $25Inside the U.S. middle 50% ($15 to $50 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Gift Card | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Copy of Statement, Transaction, Check, Forms | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Apr 21, 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 American First Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 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
| Brea, CA | 1 |
| Buena Park, CA | 1 |
| Eastvale, CA | 1 |
| Fullerton, CA | 1 |
| Orange, CA | 1 |
Largest competitors nearby
Local market: Orange county, CA, around its headquarters.
| 91 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 19.5% |
| Wells Fargo Bank, National Association | 18.3% |
| Bank of America, National Association | 16.5% |
| U.S. Bank National Association | 6.1% |
| Citibank, National Association | 5.2% |
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.