Oregon State Federal Credit Union

Headquarters: Corvallis, Oregon
Charter: Credit Union
Assets: $2.8B
Fed district: San Francisco
Regulator: NCUA

23 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 27, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 27, 2026

How these figures are measured

Call-report figures are for Oregon State 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Oregon State Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 27, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Oregon State Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $2.1M in Q2 2026, 17% above the same quarter a year earlier ($1.8M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Rewards Checking
Oregon State Federal Credit Union: $7
Oregon State Federal Credit Union: $7
U.S. median: no median
Overdraft (OD)
Oregon State Federal Credit Union: $10
Oregon State Federal Credit Union: $10
U.S. median: no median
NSF / Returned Item
Oregon State Federal Credit Union: $10
Oregon State Federal Credit Union: $10
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 27, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Oregon, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Oregon: Banks and credit unions headquartered in Oregon that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income rose 9.8% from Q3 2025 to Q2 2026, to $2.1M.

Fee income, Q2 2026

$2.1M

$1.9MQ3 2025

$1.9MQ4 2025

$1.9MQ1 2026

$2.1MQ2 2026

Against the median

Oregon State Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Oregon State Federal Credit Union · $2.8B 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 15 states.

Credit unions only
$2.6B to $2.9B in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Oregon State Federal Credit Union(this institution)	Corvallis, OR	$2.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Aberdeen Proving Ground Federal Credit Union	Aberdeen, MD	$2.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Abound Federal Credit Union	Radcliff, KY	$2.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Altura Federal Credit Union	Riverside, CA	$2.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
American Eagle Financial Federal Credit Union	East Hartford, CT	$2.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Andrews Federal Credit Union	Suitland, MD	$2.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bayport Federal Credit Union	Newport News, VA	$2.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Capital Federal Credit Union	Green Bay, WI	$2.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Commonwealth Federal Credit Union	Frankfort, KY	$2.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Connecticut State Employees Federal Credit Union	Hartford, CT	$2.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Consumers Federal Credit Union	Oshtemo, MI	$2.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Corning Federal Credit Union	Corning, NY	$2.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Credit Union 1	Lombard, IL	$2.9B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Credit Union of Texas	Allen, TX	$2.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Florida Federal Credit Union	Gainesville, FL	$2.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Hawaii State Federal Credit Union	Honolulu, HI	$2.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Hawaiiusa Federal Credit Union	Honolulu, HI	$2.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Jsc Federal Credit Union	Houston, TX	$2.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
L & N Federal Credit Union	Louisville, KY	$2.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Lake Trust Federal Credit Union	Brighton, MI	$2.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Partners Federal Credit Union	Burbank, CA	$2.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pen Air Federal Credit Union	Pensacola, FL	$2.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Polish & Slavic Federal Credit Union	Brooklyn, NY	$2.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Together Federal Credit Union	Saint Louis, MO	$2.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ttcu Federal Credit Union	Tulsa, OK	$2.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Y-12 Federal Credit Union	Oak Ridge, TN	$2.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	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.

Fee type

Peer pricing snapshot

Monthly maintenance is $1 (17%) above the median of similar-sized credit unions.

Its published price is $7, against a peer median of $6 among 14 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 Nov 3, 2026.

Monthly maintenance fee in dollars, one mark per institution

Oregon State Federal Cred…Peer (equal prices stack)Peer median

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 3, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Oregon State Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 46 quarters on file

Latest, Q2 2026: $2.1M
vs prior quarter: +$161K+8.3%; from Q1 2026
vs a year earlier: +$300K+16.7%; from Q2 2025
vs start of range: +$416K+24.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Oregon State Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$2.1M	+$161K	+8.3%
Q1 2026	$1.9M	$0	0.0%
Q4 2025	$1.9M	+$26K	+1.4%
Q3 2025	$1.9M	+$113K	+6.3%
Q2 2025	$1.8M	−$3K	−0.2%
Q1 2025	$1.8M	+$128K	+7.7%
Q4 2024	$1.7M	−$9K	−0.5%
Q3 2024	$1.7M	+$231K	+15.9%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Oregon State Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Rewards Checking Monthly service charge$7
per month
Less than minimum balance$3
Less than minimum balance$3
per month
Early closure fee (accounts held less than 90 days)No charge
Inactive membership fee$5
per month
Account research$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper statement fee$3
per month
Bad address fee$5
per month
Locator research fee$25

Overdraft & NSF

Overdraft paid (Courtesy Payment)$10
per item
Fees limited to one returned item fee per day, per account$10
Returned item fee (non-sufficient funds)$10
per item
Overdraft transfer fee, per occurrenceNo charge

ATM & Card

+ third-party fees 5 third-party ATM location$10
per item
Plastic card replacement$6
per item

Wire Transfers

Incoming wire$15

Check Services

Cashier’s check$5
per item
Bill pay stop payment$25
per item
Stop payment for cashier’s check$30
Stop payment of personal check$25
Temporary checks$2
Not compared: Charged per page; comparison unavailable
per page
Check copy$5
per item

Digital & Electronic

Online account access or bill payNo charge

Cash & Deposit

In-branch cash advance service fee$15
Returned deposited item$10
per item

Account Services

Notary service$5
Not compared: Charged per document; comparison unavailable
per document · Notary service $5 / document
Safe deposit drilling fee$25
Not compared: Box drilling or key fee
per item
Safe deposit re-keying fee$25
Levy or garnishment processing fee$75

Retirement & IRA

IRA plan early closure feeNo charge

Other Fees

Interim statement copy$5
per item
Statement copy$5
Not compared: Charged per statement; comparison unavailable
per statement · Statement copy $5 / statement
Skip a Payment fee$25
per item

Fee	Amount	Basis	Note
Account Maintenance
Rewards Checking Monthly service charge	$7	per month	None
Less than minimum balance	$3	Not stated	None
Less than minimum balance	$3	per month	None
Early closure fee (accounts held less than 90 days)	No charge	Not stated	None
Inactive membership fee	$5	per month	None
Account research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper statement fee	$3	per month	None
Bad address fee	$5	per month	None
Locator research fee	$25	Not stated	None
Overdraft & NSF
Overdraft paid (Courtesy Payment)	$10	per item	None
Fees limited to one returned item fee per day, per account	$10	Not stated	None
Returned item fee (non-sufficient funds)	$10	per item	None
Overdraft transfer fee, per occurrence	No charge	Not stated	None
ATM & Card
+ third-party fees 5 third-party ATM location	$10	per item	None
Plastic card replacement	$6	per item	None
Wire Transfers
Incoming wire	$15	Not stated	None
Check Services
Cashier’s check	$5	per item	None
Bill pay stop payment	$25	per item	None
Stop payment for cashier’s check	$30	Not stated	None
Stop payment of personal check	$25	Not stated	None
Temporary checks	$2Not compared: Charged per page; comparison unavailable	per page	None
Check copy	$5	per item	None
Digital & Electronic
Online account access or bill pay	No charge	Not stated	None
Cash & Deposit
In-branch cash advance service fee	$15	Not stated	None
Returned deposited item	$10	per item	None
Account Services
Notary service	$5Not compared: Charged per document; comparison unavailable	per document	Notary service $5 / document
Safe deposit drilling fee	$25Not compared: Box drilling or key fee	per item	None
Safe deposit re-keying fee	$25	Not stated	None
Levy or garnishment processing fee	$75	Not stated	None
Retirement & IRA
IRA plan early closure fee	No charge	Not stated	None
Other Fees
Interim statement copy	$5	per item	None
Statement copy	$5Not compared: Charged per statement; comparison unavailable	per statement	Statement copy $5 / statement
Skip a Payment fee	$25	per item	None

Correct a fee source

Oct 27, 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.

Fee change alerts

Get an email when Oregon State Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.