Traverse Catholic Federal Credit Union

Headquarters: Traverse City, Michigan
Charter: Credit Union
Assets: $92.2M
Fed district: Chicago
Regulator: NCUA

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

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

How these figures are measured

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

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Traverse Catholic 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 $86K in Q2 2026, 22% below the same quarter a year earlier ($110K).
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.

NSF / Returned Item
Traverse Catholic Federal Credit Union: $30
Traverse Catholic Federal Credit Union: $30
U.S. median: no median
Non-Network ATM
Compared at $2, the middle of its prices
Traverse Catholic Federal Credit Union: $1 to $3
Traverse Catholic Federal Credit Union: $1 to $3
U.S. median: no median
Wire Transfer (Domestic Out)
Traverse Catholic Federal Credit Union: $20
Traverse Catholic Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 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 7.5% from Q3 2025 to Q2 2026, to $86K.

Fee income, Q2 2026

$86K

$93KQ3 2025

$95KQ4 2025

$81KQ1 2026

$86KQ2 2026

Against the median

Traverse Catholic 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

Traverse Catholic Federal Credit Union · $92M 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 16 states.

Credit unions only
$91M to $94M in assets
Headquartered in 16 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
Traverse Catholic Federal Credit Union(this institution)	Traverse City, MI	$92M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Baycel Federal Credit Union	Bay City, TX	$92M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Chicago Firefighter'S Federal Credit Union	Chicago, IL	$93M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Christian Family Federal Credit Union	North Canton, OH	$93M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Coastal Community Federal Credit Union	Galveston, TX	$93M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
County Schools Federal Credit Union	Ventura, CA	$91M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dakota Plains Federal Credit Union	Edgeley, ND	$93M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Daniels-Sheridan Federal Credit Union	Scobey, MT	$92M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
Family Advantage Federal Credit Union	Spring Hill, TN	$93M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Formation Federal Credit Union	Baton Rouge, LA	$93M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Good Neighbors Federal Credit Union	Depew, NY	$92M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Independent Federal Credit Union	Anderson, IN	$94M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Jefferson Credit Union	Hoover, AL	$91M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Marshfield Medical Center Federal Credit Union	Marshfield, WI	$91M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mckesson & Healthcare Providers Federal Credit Union	Martinez, CA	$93M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members Source Federal Credit Union	Merrillville, IN	$92M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Northwoods Community Federal Credit Union	Park Falls, WI	$93M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Progressions Federal Credit Union	Spokane, WA	$93M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Sheboygan Area Federal Credit Union	Sheboygan, WI	$93M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Shelby County Federal Credit Union	Memphis, TN	$92M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Sunset Science Park Federal Credit Union	Portland, OR	$92M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Transit Employees Federal Credit Union	Greenbelt, MD	$93M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Upward Federal Credit Union	Burlingame, CA	$93M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Vision One Federal Credit Union	Sacramento, CA	$92M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Welcome Federal Credit Union	Morrisville, NC	$92M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Wellspring Federal Credit Union	Bridge City, TX	$92M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Traverse Catholic Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $6.63 among 10 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.

Monthly maintenance fee in dollars, one mark per institution

Traverse Catholic Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Traverse Catholic Federal…Peer (equal prices stack)Peer median

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.

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 Traverse Catholic 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: $86K
vs prior quarter: +$5K+6.2%; from Q1 2026
vs a year earlier: −$24K−21.8%; from Q2 2025
vs start of range: +$8K+10.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Traverse Catholic 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	$86K	+$5K	+6.2%
Q1 2026	$81K	−$14K	−14.7%
Q4 2025	$95K	+$2K	+2.2%
Q3 2025	$93K	−$17K	−15.5%
Q2 2025	$110K	+$37K	+50.7%
Q1 2025	$73K	−$1K	−1.4%
Q4 2024	$74K	−$4K	−5.1%
Q3 2024	$78K	+$2K	+2.6%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Cancel Membership < 180 days$20
Dormant Accounts$15
per month
Escheated Account$40
per item
Special Request Look Up$10
Paper Statement Fee$1
Return Statement$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

NSF$30
per item
Daily Negative Balance FeeNo charge
per day

ATM & Card

ATM Transaction Fee for Non$3
per item
ATM Transaction Fee: 5 Free Transactions per month, then$1
ATM/Debit Replacement Cards$25
per item
Member ID Card Replacement (audience not stated, treated as personal)$2
per item
Rush Card Delivery$50
per item

Wire Transfers

Domestic Outgoing Wire$20
per item
Incoming WireNo charge
International Outgoing Wire$50
per item

Check Services

Money Orders & TCFCU Checks$2
Stop Payment on a Check or ACH$27
per item
Starter Checks, 1 free sheet$4
per item
Non-Member On Us Check Cashing$5
per item
Copy of a Cleared Check (Free Online up to 1 Year)$3
per item

Digital & Electronic

Bill PayNo charge

Cash & Deposit

Coin Machine10%
Coin Machine (audience not stated, treated as personal)10%
Deposited Check Returned UnpaidNo charge

Account Services

Non-Member Notary$5
per item
Fee for Writ of Garnishments or Levies$40
per item
Account Verification$5

Other Fees

Photocopies & Faxes$0.50
Not compared: Charged per page; comparison unavailable
per page
Photocopies & Faxes: First 5 pages free, then$0.50
per item
Statement Copies$2

Fee	Amount	Basis	Note
Account Maintenance
Cancel Membership < 180 days	$20	Not stated	None
Dormant Accounts	$15	per month	None
Escheated Account	$40	per item	None
Special Request Look Up	$10	Not stated	None
Paper Statement Fee	$1	Not stated	None
Return Statement	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
NSF	$30	per item	None
Daily Negative Balance Fee	No charge	per day	None
ATM & Card
ATM Transaction Fee for Non	$3	per item	None
ATM Transaction Fee: 5 Free Transactions per month, then	$1	Not stated	None
ATM/Debit Replacement Cards	$25	per item	None
Member ID Card Replacement (audience not stated, treated as personal)	$2	per item	None
Rush Card Delivery	$50	per item	None
Wire Transfers
Domestic Outgoing Wire	$20	per item	None
Incoming Wire	No charge	Not stated	None
International Outgoing Wire	$50	per item	None
Check Services
Money Orders & TCFCU Checks	$2	Not stated	None
Stop Payment on a Check or ACH	$27	per item	None
Starter Checks, 1 free sheet	$4	per item	None
Non-Member On Us Check Cashing	$5	per item	None
Copy of a Cleared Check (Free Online up to 1 Year)	$3	per item	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Cash & Deposit
Coin Machine	10%	Not stated	None
Coin Machine (audience not stated, treated as personal)	10%	Not stated	None
Deposited Check Returned Unpaid	No charge	Not stated	None
Account Services
Non-Member Notary	$5	per item	None
Fee for Writ of Garnishments or Levies	$40	per item	None
Account Verification	$5	Not stated	None
Other Fees
Photocopies & Faxes	$0.50Not compared: Charged per page; comparison unavailable	per page	None
Photocopies & Faxes: First 5 pages free, then	$0.50	per item	None
Statement Copies	$2	Not stated	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

Nov 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

Get an email when Traverse Catholic Federal Credit Union's safe deposit box changes in our data

We check once a day and send one email covering every change.