Compared with Michigan
15 of 22
compared fees are above the median.
3 below, 4 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
74th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 22 compared; 3 below, 4 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Parda 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 2,932 credit unions with under $300M 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 Michigan median | Published fees above the Michigan median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Parda Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 11% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (74th 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 $363K in Q2 2026, 3.4% above the same quarter a year earlier ($351K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
15 of 22 compared published fees sit above the Michigan median; 3 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 Michigan medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
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.
Fee income fell 4.7% from Q3 2025 to Q2 2026, to $363K. Its share of revenue, 11%, is above the 7.2% median for credit unions with under $300M in assets.
$363K
Parda 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 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Parda Federal Credit Union · $217M 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.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Parda Federal Credit Union(this institution) | Auburn Hills, MI | $217M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 1St Liberty Federal Credit Union | Great Falls, MT | $214M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Aac Federal Credit Union | Grand Rapids, MI | $212M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Access Community Federal Credit Union | Amarillo, TX | $211M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Acipco Federal Credit Union | Birmingham, AL | $221M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Autotruck Financial Federal Credit Union | Louisville, KY | $220M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Beacon Federal Credit Union | La Porte, TX | $215M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Canopy Federal Credit Union | Spokane, WA | $222M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Chrome Federal Credit Union | Canonsburg, PA | $224M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Denver Fire Department Federal Credit Union | Denver, CO | $214M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Expedition Federal Credit Union | Mendota Heights, MN | $223M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Fitzsimons Federal Credit Union | Aurora, CO | $211M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| H E B Federal Credit Union | San Antonio, TX | $218M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Harris County Federal Credit Union | Houston, TX | $223M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Hometown Federal Credit Union | Kulm, ND | $223M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Members Choice Of Central Texas Federal Credit Union | Waco, TX | $213M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Okunity Federal Credit Union | Stillwater, OK | $215M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Palisades Federal Credit Union | Pearl River, NY | $212M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Railway Federal Credit Union | Mandan, ND | $212M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Stark Federal Credit Union | canton, OH | $218M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texasgulf Federal Credit Union | Wharton, TX | $220M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| U S #1364 Federal Credit Union | Merrillville, IN | $222M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| U. S. Employees O. C. Federal Credit Union | Oklahoma City, OK | $213M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| United Consumers Federal Credit Union | Independence, MO | $217M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Urw Community Federal Credit Union | Danville, VA | $224M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Western Division Federal Credit Union | Williamsville, NY | $224M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 9 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 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Parda Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Parda 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 | $363K | −$8K | −2.2% |
| Q1 2026 | $371K | −$9K | −2.4% |
| Q4 2025 | $380K | −$1K | −0.3% |
| Q3 2025 | $381K | +$30K | +8.5% |
| Q2 2025 | $351K | +$23K | +7.0% |
| Q1 2025 | $328K | −$22K | −6.3% |
| Q4 2024 | $350K | −$13K | −3.6% |
| Q3 2024 | $363K | +$48K | +15.2% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Parda 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 Parda Federal Credit Union by share.
Amounts from Parda 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 item
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closed Share Account (If closed within 6 months of opening) (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account (No activity for 6 months) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly inactivity fee | $7Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($6.44 to $25 nationally) | Not stated | None |
| Research and Reconciliation on Account - 1 hour minimum (Fee refunded if result shows CU error) | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail with No Forwarding Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Parda Overdraft Privilege | $33Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF (non-sufficient funds) Withdrawal | $33Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Transfers, Withdrawals & Balance Inquiries at ATM (After first 10) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Expedited Card Replacement (Additional Fees for International Shipping) | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfers | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Cashier Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Exchange Parda Check for Cashier Check | $25Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official Check (audience not stated, treated as personal) | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment (audience not stated, treated as personal) | $33Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payments | $33Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter/Starter Checks (audience not stated, treated as personal) | $0.50Below the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Counter/Starter Checks (Sheet of 4) | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Parda Check Cashing (Non-Member) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Copy (Older than 12 months) | $15Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Check Copy (Paid within last 12 months) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH/Automatic Payment Returned | $33Above the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Account Services | |||
| Garnishment/Levies/Other Legal Processes (audience not stated, treated as personal) | $100Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Levy or Garnishment | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Verification of Account Letter (audience not stated, treated as personal) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee (To another institution) | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Gift Card | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Statement Copy (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copies | $5Not compared: Monthly charge, not per item | per month | None |
| Skip-A-Payment | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | 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
Nov 1, 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 Parda Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
7 offices in 3 states (June 30, 2026)
Each dot is one office.
3 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Holland, MI | 2 |
| Auburn Hills, MI | 1 |
| Eastpointe, MI | 1 |
| Greenwood, SC | 1 |
| Loves Park, IL | 1 |
| Ypsilanti, MI | 1 |
Largest competitors nearby
Local market: Oakland county, MI, around its headquarters.
| 45 in its local market | Deposit share |
|---|---|
| Bank of America, National Association | 26.3% |
| Flagstar Bank, National Association | 14.8% |
| JPMorgan Chase Bank, National Association | 14.6% |
| Fifth Third Bank, National Association | 12.5% |
| PNC Bank, National Association | 12.4% |
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.