Tandem Federal Credit Union

Headquarters: Warren, Michigan
Charter: Credit Union
Assets: $22.3M
Fed district: Chicago
Regulator: NCUA

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

Source: its fee schedule, read Oct 6, 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 6, 2026

How these figures are measured

Call-report figures are for Tandem 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.	Tandem Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 6, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Tandem 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 $54K in Q2 2026, 20% above the same quarter a year earlier ($45K).
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.

Overdraft (OD)
Tandem Federal Credit Union: $30
Tandem Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Tandem Federal Credit Union: $30
Tandem Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Leaves out 1 fee charged on a different basis filed under this fee.
Tandem Federal Credit Union: $3
Tandem Federal Credit Union: $3
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago 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).
Michigan: Banks and credit unions headquartered in Michigan that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago 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 fell 1.8% from Q3 2025 to Q2 2026, to $54K.

Fee income, Q2 2026

$54K

$55KQ3 2025

$54KQ4 2025

$54KQ1 2026

$54KQ2 2026

Against the median

Tandem 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

Tandem Federal Credit Union · $22M 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 18 states.

Credit unions only
$21M to $23M in assets
Headquartered in 18 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
Tandem Federal Credit Union(this institution)	Warren, MI	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
American Pride Federal Credit Union	Altoona, PA	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Chelsea Employees Federal Credit Union	Chelsea, MA	$21M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Coopers Cave Federal Credit Union	Glens Falls, NY	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Encentus Federal Credit Union	Tulsa, OK	$21M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Essex County Teachers Federal Credit Union	Bloomfield, NJ	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Express Federal Credit Union	Seattle, WA	$23M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Fayette County School Employees Federal Credit Union	Uniontown, PA	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Glynn County Federal Employees	Brunswick, GA	$23M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Ibew/Sj Cascade Federal Credit Union	Salem, OR	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Local 804 Federal Credit Union	Port Washington, NY	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Mclennan County Employees Federal Credit Union	Waco, TX	$22M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mcmurrey Federal Credit Union	Tyler, TX	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Members 1St Federal Credit Union	Brattleboro, VT	$23M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Metro North Federal Credit Union	Jacksonville, FL	$22M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Mopac Employees Federal Credit Union	Palestine, TX	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Novo Federal Credit Union	Norco, CA	$21M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Special Metals Federal Credit Union	New Hartford, NY	$22M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
St. Vincent'S Medical Center Federal Credit Union	Bridgeport, CT	$21M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Steel Valley Federal Credit Union	Cleveland, OH	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Strategic Federal Credit Union	Sterling, VA	$23M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Trades & Labor Federal Credit Union	Albert Lea, MN	$23M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
United Churches Federal Credit Union	Taylor, MI	$22M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Warren Municipal Federal Credit Union	Warren, MI	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
West Penn P&P Federal Credit Union	Beaver, PA	$23M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Wheat State Federal Credit Union	Wichita, KS	$22M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(out-of-network atm)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Out-of-network ATM is $1.50 (100%) above the median of similar-sized credit unions.

Its published price is $3, against a peer median of $1.50 among 12 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 30, 2026.

Out-of-network ATM fee in dollars, one mark per institution

Tandem Federal Credit Uni…Peer (equal prices stack)Peer medianInclude $5.50 outlierShown past the axis break, not to scale, so the rest of the set has room.

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 30, 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 Tandem Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $54K
vs prior quarter: $00.0%; from Q1 2026
vs a year earlier: +$9K+20.0%; from Q2 2025
vs start of range: $00.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Tandem 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	$54K	$0	0.0%
Q1 2026	$54K	$0	0.0%
Q4 2025	$54K	−$1K	−1.8%
Q3 2025	$55K	+$10K	+22.2%
Q2 2025	$45K	−$2K	−4.3%
Q1 2025	$47K	−$7K	−13.0%
Q4 2024	$54K	$0	0.0%
Q3 2024	$54K	+$5K	+10.2%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Close Account (Within 6 Months)$12
Escheat Fee$30
Inactive Account Fee$5
per month
Account Reconciliation Fee$10
Not compared: Charged per hour; comparison unavailable
per hour
Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

NSF Fee & Courtesy Pay Fee$30
per item
Returned Check & Stop Payment Fee$30
per item

ATM & Card

Nonproprietary ATM Withdrawal/Transfer Fee (audience not stated, treated as personal)$3
per transaction
Tandem Machines ATM Fee > 5 Monthly$3
Not compared: Monthly charge, not per item
per month
Replace Lost or Stolen ATM or Debit Cards$20
Replace Lost or Stolen VISA$10

Check Services

Money Order$2
per item
Stop Payment Fee$30
per item
Check Cashing Fee for Non-Members$5
per item
Check Copy Fee$4
per item

Digital & Electronic

ACH/EFT Return Charge Fee$30
Bill Pay/Pop Money$5

Account Services

Garnishment/Levy's Fee$40
Verification Forms$10

Retirement & IRA

IRA Account Early Withdrawal Fee$100
per transaction

Other Fees

Statement Copy Fee$1
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Close Account (Within 6 Months)	$12	Not stated	None
Escheat Fee	$30	Not stated	None
Inactive Account Fee	$5	per month	None
Account Reconciliation Fee	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
NSF Fee & Courtesy Pay Fee	$30	per item	None
Returned Check & Stop Payment Fee	$30	per item	None
ATM & Card
Nonproprietary ATM Withdrawal/Transfer Fee (audience not stated, treated as personal)	$3	per transaction	None
Tandem Machines ATM Fee > 5 Monthly	$3Not compared: Monthly charge, not per item	per month	None
Replace Lost or Stolen ATM or Debit Cards	$20	Not stated	None
Replace Lost or Stolen VISA	$10	Not stated	None
Check Services
Money Order	$2	per item	None
Stop Payment Fee	$30	per item	None
Check Cashing Fee for Non-Members	$5	per item	None
Check Copy Fee	$4	per item	None
Digital & Electronic
ACH/EFT Return Charge Fee	$30	Not stated	None
Bill Pay/Pop Money	$5	Not stated	None
Account Services
Garnishment/Levy's Fee	$40	Not stated	None
Verification Forms	$10	Not stated	None
Retirement & IRA
IRA Account Early Withdrawal Fee	$100	per transaction	None
Other Fees
Statement Copy Fee	$1Not compared: Charged per page; comparison unavailable	per page	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 6, 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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