16 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 12, 2026.
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 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) 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. | 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 $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.
Comparison with U.S. medians for fees published by banks and credit unions.
NSF / Returned Item
Wire Transfer (Domestic Out)
Stop Payment
A blank median means fewer than 5 publish the fee.
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.
$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.
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% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from 1St Northern California Federal Credit Union’s own schedules, with a source for each figure.
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive Account | $5 | Not stated | None |
| Locator Fee (Per Return) | $10Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| NSF Return Items (Per Presentment) | $14 | per item | None |
| NSF Returns / ACH Items (Per Presentment) | $14 | per item | None |
| Overdraft Protection (Per Transfer Occurrence) | $2 | per item | None |
ATM & Card | |||
| Replacement Card (1st Replacement Free, Thereafter) | $5 | Not stated | None |
| Rush ATM or Debit Card | $45 | Not stated | None |
Wire Transfers | |||
| Wire Transfers (Outgoing Domestic) | $20 | per item | None |
Check Services | |||
| Official Checks (Made Payable to Non-Member) | $5 | per item | None |
| Stop Payments (Per Item) | $14 | per item | None |
| Non-Member Check Cashing ($100 and over) | $5 | Not stated | None |
| Collection Fee for Foreign Checks | $20 | Not stated | None |
| Copies of Checks | $3 | per item | None |
Cash & Deposit | |||
| NSF Returns / Deposited Items (Per Presentment) | $14 | per item | None |
Account Services | |||
| Notary Reimbursement Fee (receipt required) | $15 | per item | None |
| Subordination Agreement | $250 | Not stated | None |
Lending Fees | |||
| Late payment | 5% | Not stated | None |
Other Fees | |||
| Photocopy of Drafts (2 Free Per Month, Thereafter) | $3 | per item | None |
| Statements / Transactions Copies (Per Page) | $0.20 | per item | None |
| Lien Satisfied (Does Not Include DMV Fees) | $20 | Not stated | None |
| Mortgage Reconveyance Fee | $225 | Not stated | None |
| NSF Line of Credit Checks (Per Presentment) | $14 | 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.
Fee change alerts
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