Compared with California
8 of 23
compared fees are above the median.
10 below, 5 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
45th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the California median
of 23 compared; 10 below, 5 about the same
See the feesFee schedule read Oct 25, 2026
Call-report figures are for El Monte Community 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 2,932 credit unions with under $300M 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. | El Monte Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 25, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.4% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (45th 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 $30K in Q2 2026, 42% below the same quarter a year earlier ($52K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 23 compared published fees sit above the California median; 10 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
Overdraft (OD)
ACH/Share Drafts
NSF / Returned Item
ACH/Share Drafts
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 44% from Q3 2025 to Q2 2026, to $30K. Its share of revenue, 6.4%, is below the 7.2% median for credit unions with under $300M in assets.
$30K
El Monte Community 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 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
El Monte Community Federal Credit Union · $34M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| El Monte Community Federal Credit Union(this institution) | El Monte, CA | $34M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Academic Federal Credit Union | Briarcliff Manor, NY | $34M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alpha Federal Credit Union | Boston, MA | $35M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Brazos Star Federal Credit Union | College Station, TX | $36M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Canals & Trails Federal Credit Union | Lockport, IL | $34M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Chen-Del-O Federal Credit Union | Franklin, NY | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Christiansted Federal Credit Union | Christiansted, VI | $34M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Common Cents Federal Credit Union | Beaumont, TX | $34M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ct Firefighters Federal Credit Union | Hartford, CT | $35M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| ECU Federal Credit Union | Seminole, FL | $34M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Eweb Employees Federal Credit Union | Eugene, OR | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Gowanda Area Federal Credit Union | Gowanda, NY | $34M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Greater Valley Federal Credit Union | Fresno, CA | $34M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Jessop Community Federal Credit Union | Washington, PA | $34M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Koin Federal Credit Union | Brentwood, TN | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Montana Educators' Federal Credit Union | Missoula, MT | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northwestern Energy Employees Federal Credit Union | Butte, MT | $35M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Nsp Federal Credit Union | Maplewood, MN | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| O And R Utilities Employees Federal Credit Union | Monroe, NY | $35M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Outreach Federal Credit Union | Hermitage, TN | $35M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Reliance Federal Credit Union | King of Prussia, PA | $35M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rome Federal Credit Union | Rome, NY | $34M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Schofield Federal Credit Union | Wahiawa, HI | $34M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Service Plus Federal Credit Union | Moline, IL | $35M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| U S P L K Employees Federal Credit Union | Leavenworth, KS | $34M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Utility District Federal Credit Union | Oakland, CA | $34M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(out-of-network atm)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $1 among 8 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.
Out-of-network ATM fee in dollars, one mark per institution
Against this institution's out-of-network atm 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 El Monte Community 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 | $30K | $0 | 0.0% |
| Q1 2026 | $30K | −$6K | −16.7% |
| Q4 2025 | $36K | −$18K | −33.3% |
| Q3 2025 | $54K | +$2K | +3.8% |
| Q2 2025 | $52K | +$1K | +2.0% |
| Q1 2025 | $51K | −$6K | −10.5% |
| Q4 2024 | $57K | +$3K | +5.6% |
| Q3 2024 | $54K | +$9K | +20.0% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, El Monte Community 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 El Monte Community Federal Credit Union by share.
Amounts from El Monte Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Investigation/Account Reconciliation | $25.00 per hour
per month
per month
per item
per item
per item
per item
per item
per item
per item
per item
per year
per page · Fax Fees (Local) | $0.25 per page
per page · Fax Fees (Non-Local) | $1.00 per page
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Escheatment Fee | $6Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Accounts Fee (12 months of no Activity/Dormant) | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Investigation/Account Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | Investigation/Account Reconciliation | $25.00 per hour |
| Paper Statement (Account Print-Out) | $3Inside the U.S. middle 50% ($2 to $4.98 nationally) | Not stated | None |
| Excessive Withdrawals (Regulation D - More Than 6) | $1.50Not compared: Monthly charge, not per item | per month | None |
| Invalid Address Fee | $3Below the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay (ACH/Share Drafts) | $14Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Returned Items (ACH/Share Drafts) | $14Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft from Line of Credit | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Overdraft from Savings | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Transactions (Outside of Network) | $5Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Card Replacement Rush | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Wire Transfer | $30Below the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Credit Union Official Check (One free check per week) | $1.50Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stale Date Credit Union Official Check Fee | $22Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $2.50Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment (each item) | $22Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Photocopy of Share Drafts (per item) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Notary Service (free for CU related documents) | $15Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Garnishment | $30Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Tax Levy | $30Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Loan Subordination Fee | $150Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Verification Letter | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Verification of Deposits | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late Fee | $15Inside the U.S. middle 50% ($15 to $25 nationally) | per item | None |
Retirement & IRA | |||
| Annual IRA Maintenance Fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
Vehicle & Title | |||
| Duplicate Title/Lien Satisfied | $15Inside the U.S. middle 50% ($15 to $50 nationally) | Not stated | None |
Other Fees | |||
| Fax Fees (Local) | $0.25Not compared: Charged per page; comparison unavailable | per page | Fax Fees (Local) | $0.25 per page |
| Fax Fees (Non-Local) | $1Not compared: Charged per page; comparison unavailable | per page | Fax Fees (Non-Local) | $1.00 per page |
| Statement Copy (per month) | $5Not compared: Monthly charge, not per item | per month | None |
| Deed of Trust Reconveyance Fee | $95Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip-a-Payment | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 25, 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 El Monte Community Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| El Monte, CA | 1 |
| Frisco, TX | 1 |
Largest competitors nearby
Local market: Los Angeles county, CA, around its headquarters.
| 172 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 19% |
| Bank of America, National Association | 15.4% |
| Wells Fargo Bank, National Association | 11.7% |
| City National Bank | 10% |
| East West Bank | 7.4% |
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.