Compared with Tennessee
7 of 22
compared fees are above the median.
7 below, 8 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
88th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Tennessee median
of 22 compared; 7 below, 8 about the same
See the feesFee schedule read Oct 16, 2026
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) Year to date through the quarter. Median and percentile from each of 452 credit unions with $1B to $10B 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 Tennessee median | Published fees above the Tennessee 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 | Oct 16, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 11% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (88th 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 $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.
7 of 22 compared published fees sit above the Tennessee median; 7 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 Tennessee medians for fees published by banks and credit unions.
Overdraft (OD)
Monthly Maintenance
Compared at $5, the middle of its prices
NSF / Returned Item
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.
Fee income rose 6.9% from Q3 2025 to Q2 2026, to $9.0M. Its share of revenue, 11%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$9.0M
Ascend 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $10.95; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Ascend 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 | $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% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Ascend 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 Ascend Federal Credit Union by share.
Amounts from Ascend Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per hour
per month
per item
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Maintenance Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Can reduce monthly fee | $10.95Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly service fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closing Fee (Accounts opened 60 days or less) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Fees (Applicable to All Accounts): Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheat Account Fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconciliation/Account Research Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $1Below the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned Mail (Bad Address Fee) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| NSF/Overdraft Fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF/Overdraft Fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfer Fee (Applicable to overdraft transfers generated automatically from savings to checking) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Replacement Card | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Regular Rush Card | $35Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer (Outgoing fee) | $15Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer 11 (Incoming domestic or foreign fee) | $5Below the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Cashier’s Check Fee | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Bill Pay Stop Payment Fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment Fee (Check/ACH/Bill Pay) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Zelle® Stop Payment Transaction | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks (Free for new accounts) | $5Above the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Check Cashing Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Copy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay Expedited Payment Fee (Check) | $25Above the U.S. middle 50% ($0 to $6 nationally) | 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 | $25Inside the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Account Services | |||
| Levy Processing Fee | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Written Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Other Fees | |||
| Copy Fee | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copy/History Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 16, 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 Ascend Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
30 offices in 1 state (June 30, 2026)
Each dot is one office.
6 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Murfreesboro, TN | 6 |
| Nashville, TN | 3 |
| Tullahoma, TN | 3 |
| Brentwood, TN | 1 |
| Columbia, TN | 1 |
| Cookeville, TN | 1 |
| Dickson, TN | 1 |
| Franklin, TN | 1 |
Largest competitors nearby
Local market: Coffee county, TN, around its headquarters.
| 10 in its local market | Deposit share |
|---|---|
| Coffee County Bank | 22.7% |
| Wellworth Bank | 13% |
| First Vision Bank of Tennessee | 12.4% |
| FirstBank | 10.5% |
| Peoples Bank & Trust Company | 9.5% |
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.