Compared with California
3 of 16
compared fees are above the median.
9 below, 4 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
1st percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 16 compared; 9 below, 4 about the same
See the feesFee schedule read Oct 12, 2026
Call-report figures are for 1St Northern California 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. | 1St Northern California Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 12, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 1.0% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (1st 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 $69K in Q2 2026, 17% below the same quarter a year earlier ($83K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 16 compared published fees sit above the California median; 9 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.
NSF / Returned Item
Wire Transfer (Domestic Out)
Stop Payment
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 80% from Q3 2025 to Q2 2026, to $69K. Its share of revenue, 1.0%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$69K
1St Northern California 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.
1St Northern California Federal Credit Union · $829M 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 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| 1St Northern California Federal Credit Union(this institution) | Martinez, CA | $829M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Air Academy Federal Credit Union | Colorado Springs, CO | $810M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| America'S Christian Federal Credit Union | Glendora, CA | $820M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Atomic Federal Credit Union | Piketon, OH | $855M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Azura Federal Credit Union | Topeka, KS | $852M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bayer Heritage Federal Credit Union | New Martinsville, WV | $801M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Caribe Federal Credit Union | San Juan, PR | $800M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Dover-Phila Federal Credit Union | Dover, OH | $813M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Erie Federal Credit Union | Erie, PA | $808M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Family Trust Federal Credit Union | Rock Hill, SC | $805M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Credit Union | Chandler, AZ | $812M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Heritage Federal Credit Union | Corning, NY | $840M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Frontier Federal Credit Union | Idaho Falls, ID | $822M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hawaii Community Federal Credit Union | Kailua Kona, HI | $808M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Idb Global Federal Credit Union | Washington, DC | $842M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Intouch Federal Credit Union | Plano, TX | $837M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Liberty Bay Federal Credit Union | Braintree, MA | $827M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Maine Savings Federal Credit Union | Hampden, ME | $858M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mid Minnesota Federal Credit Union | Baxter, MN | $858M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| National Institutes Of Health Federal Credit Union | Rockville, MD | $817M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sacramento Federal Credit Union | Sacramento, CA | $858M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Smart Financial Federal Credit Union | Houston, TX | $808M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Solarity Federal Credit Union | Yakima, WA | $804M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Southwest Airlines Federal Credit Union | Dallas, TX | $861M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Texell Federal Credit Union | Temple, TX | $801M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Peoples Federal Credit Union | Middletown, RI | $811M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | 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.
Peer pricing snapshot
The peer median is $7.73 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 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
1St Northern California Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for 1St Northern California Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 42 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $69K | −$25K | −26.6% |
| Q1 2026 | $94K | +$311K | |
| Q4 2025 | -$217K | −$566K | |
| Q3 2025 | $349K | +$266K | +320.5% |
| Q2 2025 | $83K | +$2K | +2.5% |
| Q1 2025 | $81K | −$34K | −29.6% |
| Q4 2024 | $115K | +$5K | +4.5% |
| Q3 2024 | $110K | +$35K | +46.7% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, 1St Northern California 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 1St Northern California Federal Credit Union by share.
Amounts from 1St Northern California Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Locator Fee (Per Return) | $10Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| NSF Return Items (Per Presentment) | $14Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF Returns / ACH Items (Per Presentment) | $14Below the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Protection (Per Transfer Occurrence) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Replacement Card (1st Replacement Free, Thereafter) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush ATM or Debit Card | $45Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfers (Outgoing Domestic) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Official Checks (Made Payable to Non-Member) | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payments (Per Item) | $14Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Non-Member Check Cashing ($100 and over) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Fee for Foreign Checks | $20Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copies of Checks | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| NSF Returns / Deposited Items (Per Presentment) | $14Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary Reimbursement Fee (receipt required) | $15Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Subordination Agreement | $250Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Lending Fees | |||
| Late payment | 5% | Not stated | None |
Other Fees | |||
| Photocopy of Drafts (2 Free Per Month, Thereafter) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statements / Transactions Copies (Per Page) | $0.20Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Lien Satisfied (Does Not Include DMV Fees) | $20Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Mortgage Reconveyance Fee | $225Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| NSF Line of Credit Checks (Per Presentment) | $14Below the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Oct 12, 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 1St Northern California 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.
Cities with the most offices
| Martinez, CA | 2 |
| Benicia, CA | 1 |
| Brentwood, CA | 1 |
| Pittsburg, CA | 1 |
| Richmond, CA | 1 |
Largest competitors nearby
Local market: Contra Costa county, CA, around its headquarters.
| 43 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 29% |
| JPMorgan Chase Bank, National Association | 16.6% |
| Bank of America, National Association | 13.5% |
| BMO Bank National Association | 11.1% |
| Mechanics Bank | 6.2% |
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.