23 published fees; none has a market median to compare yet.
Source: its fee schedule, read Oct 25, 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 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) 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. | 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 $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.
Comparison with U.S. medians for fees published by banks and credit unions.
Overdraft (OD)
ACH/Share Drafts
NSF / Returned Item
ACH/Share Drafts
Non-Network ATM
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 44% from Q3 2025 to Q2 2026, to $30K.
$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.
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 | Publishes Domestic wire | Publishes International wire | 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 Nov 7, 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 Nov 7, 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% |
Insufficient sample: fewer than 10 peers of its size reported a share.
Amounts from El Monte Community Federal Credit Union’s own schedules, with a source for each figure.
per month
per hour · Investigation/Account Reconciliation | $25.00 per hour
per month
per month
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 | $6 | Not stated | None |
| Inactive Accounts Fee (12 months of no Activity/Dormant) | $2 | 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) | $3 | Not stated | None |
| Excessive Withdrawals (Regulation D - More Than 6) | $1.50Not compared: Monthly charge, not per item | per month | None |
| Invalid Address Fee | $3 | per month | None |
Overdraft & NSF | |||
| Courtesy Pay (ACH/Share Drafts) | $14 | Not stated | None |
| NSF Returned Items (ACH/Share Drafts) | $14 | Not stated | None |
| Overdraft from Line of Credit | $5 | per item | None |
| Overdraft from Savings | $5 | per item | None |
ATM & Card | |||
| ATM Transactions (Outside of Network) | $5 | Not stated | None |
| Replacement Card | $10 | per item | None |
| Card Replacement Rush | $50 | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer | $15 | Not stated | None |
| International Wire Transfer | $30 | Not stated | None |
Check Services | |||
| Credit Union Official Check (One free check per week) | $1.50 | Not stated | None |
| Stale Date Credit Union Official Check Fee | $22 | Not stated | None |
| Money Orders | $2.50 | Not stated | None |
| Stop Payment (each item) | $22 | per item | None |
| Photocopy of Share Drafts (per item) | $3 | per item | None |
Account Services | |||
| Notary Service (free for CU related documents) | $15 | per item | None |
| Garnishment | $30 | per item | None |
| Tax Levy | $30 | per item | None |
| Loan Subordination Fee | $150 | Not stated | None |
| Verification Letter | $15 | Not stated | None |
| Verification of Deposits | $5 | Not stated | None |
Lending Fees | |||
| Late Fee | $15 | per item | None |
Retirement & IRA | |||
| Annual IRA Maintenance Fee | $25 | per year | None |
Vehicle & Title | |||
| Duplicate Title/Lien Satisfied | $15 | 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 | $95 | Not stated | None |
| Skip-a-Payment | $35 | 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.
Fee change alerts
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