Ascend Federal Credit Union

Headquarters: Tullahoma, Tennessee
Charter: Credit Union
Assets: $4.8B
Fed district: Atlanta
Regulator: NCUA

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

Source: its fee schedule, read Nov 3, 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 3, 2026

How these figures are measured

Call-report figures are for Ascend 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.	Ascend Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 3, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Ascend 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 $9.0M in Q2 2026, 16% above the same quarter a year earlier ($7.8M).
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.

Monthly Maintenance
Compared at $5, the middle of its prices
Ascend Federal Credit Union: $5 to $10.95
Ascend Federal Credit Union: $5 to $10.95
U.S. median: no median
Overdraft (OD)
Ascend Federal Credit Union: $25
Ascend Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Ascend Federal Credit Union: $25
Ascend Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Tennessee, the Atlanta 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).
Tennessee: Banks and credit unions headquartered in Tennessee that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta 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 rose 6.9% from Q3 2025 to Q2 2026, to $9.0M.

Fee income, Q2 2026

$9.0M

$8.4MQ3 2025

$7.8MQ4 2025

$8.0MQ1 2026

$9.0MQ2 2026

Against the median

Ascend 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

Ascend Federal Credit Union · $4.8B 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 17 states.

Credit unions only
$4.4B to $5.3B in assets
Headquartered in 17 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
Ascend Federal Credit Union(this institution)	Tullahoma, TN	$4.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Affinity Plus Federal Credit Union	Saint Paul, MN	$5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Blaze Federal Credit Union	Falcon Heights, MN	$4.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Canvas Federal Credit Union	Lone Tree, CO	$5.3B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Consumers Federal Credit Union	lake Forest, IL	$4.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Eecu Federal Credit Union	Fort Worth, TX	$4.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
First Community Federal Credit Union	Chesterfield, MO	$5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Founders Federal Credit Union	Lancaster, SC	$5.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Jovia Financial Federal Credit Union	Westbury, NY	$4.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Liberty Federal Credit Union	Evansville, IN	$4.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Michigan Schools And Government Federal Credit Union	Clinton Township, MI	$4.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Municipal Federal Credit Union	New York, NY	$5.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Northwest Federal Credit Union	Herndon, VA	$4.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Nusenda Federal Credit Union	Albuquerque, NM	$5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Oneaz Federal Credit Union	Phoenix, AZ	$4.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ornl Federal Credit Union	Oak Ridge, TN	$5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Rally Federal Credit Union	Corpus Christi, TX	$4.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Robins Financial Federal Credit Union	Warner Robins, GA	$5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Safe Federal Credit Union	Folsom, CA	$4.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Stanford Federal Credit Union	Palo Alto, CA	$4.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sunward Federal Credit Union	Albuquerque, NM	$4.6B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Technology Federal Credit Union	San Jose, CA	$4.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Texas Dow Employees Federal Credit Union	Lake Jackson, TX	$5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Tower Federal Credit Union	Laurel, MD	$5B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
United Federal Credit Union	St Joseph, MI	$4.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Washington State Employees Federal Credit Union	Olympia, WA	$5.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $3.25 (39%) below the median of similar-sized credit unions.

Compared at $5, the middle of its three prices, against a peer median of $8.25 among 12 publishing peers.

Its three checking prices are $5, $5 and $10.95.

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 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Ascend Federal Credit Uni…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer medianInclude $27.50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 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 Ascend 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: $9.0M
vs prior quarter: +$1.0M+12.6%; from Q1 2026
vs a year earlier: +$1.2M+15.6%; from Q2 2025
vs start of range: +$1.5M+19.9%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Ascend 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	$9.0M	+$1.0M	+12.6%
Q1 2026	$8.0M	+$164K	+2.1%
Q4 2025	$7.8M	−$597K	−7.1%
Q3 2025	$8.4M	+$639K	+8.2%
Q2 2025	$7.8M	+$256K	+3.4%
Q1 2025	$7.5M	−$43K	−0.6%
Q4 2024	$7.6M	+$65K	+0.9%
Q3 2024	$7.5M	+$746K	+11.0%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Account Maintenance Fee$5
Can reduce monthly fee$10.95
per month
Monthly service fee$5
per month
Account Closing Fee (Accounts opened 60 days or less)$15
Account Fees (Applicable to All Accounts): Dormant Account Fee$5
per month
Escheat Account Fee$25
Account Reconciliation/Account Research Fee$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$1
Returned Mail (Bad Address Fee)$5
per month

Overdraft & NSF

NSF/Overdraft Fee$25
Overdraft fee$25
per item
NSF/Overdraft Fee$25
Overdraft Transfer Fee (Applicable to overdraft transfers generated automatically from savings to checking)$5
per item

ATM & Card

Replacement Card$20
Regular Rush Card$35

Wire Transfers

Wire Transfer (Outgoing fee)$15
per item
Wire Transfer 11 (Incoming domestic or foreign fee)$5
per item

Check Services

Cashier’s Check Fee$5
per item
Bill Pay Stop Payment Fee$25
per item
Stop Payment Fee (Check/ACH/Bill Pay)$25
per item
Zelle® Stop Payment Transaction$25
per item
Temporary Checks (Free for new accounts)$5
Check Cashing Fee$5
per item
Check Copy Fee$5
per item

Digital & Electronic

Bill Pay Expedited Payment Fee (Check)$25
Bill Pay Expedited Payment Fee (Electronic)$10
Not compared: Per-item charge, not monthly
per item

Cash & Deposit

Return Deposit Item Fee$25
per item

Account Services

Levy Processing Fee$100
per item
Written Verification of Deposit$10
per item

Other Fees

Copy Fee$1
per item
Statement Copy/History Fee$5

Fee	Amount	Basis	Note
Account Maintenance
Account Maintenance Fee	$5	Not stated	None
Can reduce monthly fee	$10.95	per month	None
Monthly service fee	$5	per month	None
Account Closing Fee (Accounts opened 60 days or less)	$15	Not stated	None
Account Fees (Applicable to All Accounts): Dormant Account Fee	$5	per month	None
Escheat Account Fee	$25	Not stated	None
Account Reconciliation/Account Research Fee	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$1	Not stated	None
Returned Mail (Bad Address Fee)	$5	per month	None
Overdraft & NSF
NSF/Overdraft Fee	$25	Not stated	None
Overdraft fee	$25	per item	None
NSF/Overdraft Fee	$25	Not stated	None
Overdraft Transfer Fee (Applicable to overdraft transfers generated automatically from savings to checking)	$5	per item	None
ATM & Card
Replacement Card	$20	Not stated	None
Regular Rush Card	$35	Not stated	None
Wire Transfers
Wire Transfer (Outgoing fee)	$15	per item	None
Wire Transfer 11 (Incoming domestic or foreign fee)	$5	per item	None
Check Services
Cashier’s Check Fee	$5	per item	None
Bill Pay Stop Payment Fee	$25	per item	None
Stop Payment Fee (Check/ACH/Bill Pay)	$25	per item	None
Zelle® Stop Payment Transaction	$25	per item	None
Temporary Checks (Free for new accounts)	$5	Not stated	None
Check Cashing Fee	$5	per item	None
Check Copy Fee	$5	per item	None
Digital & Electronic
Bill Pay Expedited Payment Fee (Check)	$25	Not stated	None
Bill Pay Expedited Payment Fee (Electronic)	$10Not compared: Per-item charge, not monthly	per item	None
Cash & Deposit
Return Deposit Item Fee	$25	per item	None
Account Services
Levy Processing Fee	$100	per item	None
Written Verification of Deposit	$10	per item	None
Other Fees
Copy Fee	$1	per item	None
Statement Copy/History Fee	$5	Not stated	None

Correct a fee source

Nov 3, 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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