Total Community Federal Credit Union

Headquarters: Taylor, Michigan
Charter: Credit Union
Assets: $111.3M
Fed district: Chicago
Regulator: NCUA

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

Source: its fee schedule, read Oct 19, 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 19, 2026

How these figures are measured

Call-report figures are for Total Community 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.	Total Community Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 19, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Total Community 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 $196K in Q2 2026, 13% above the same quarter a year earlier ($173K).
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)
Total Community Federal Credit Union: $32
Total Community Federal Credit Union: $32
U.S. median: no median
NSF / Returned Item
Total Community Federal Credit Union: $32
Total Community Federal Credit Union: $32
U.S. median: no median
Non-Network ATM
Total Community Federal Credit Union: $2
Total Community Federal Credit Union: $2
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 19, 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 24% from Q3 2025 to Q2 2026, to $196K.

Fee income, Q2 2026

$196K

$259KQ3 2025

$201KQ4 2025

$189KQ1 2026

$196KQ2 2026

Against the median

Total Community 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

Total Community Federal Credit Union · $111M 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 15 states.

Credit unions only
$108M to $114M in assets
Headquartered in 15 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
Total Community Federal Credit Union(this institution)	Taylor, MI	$111M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Chiphone Federal Credit Union	Elkhart, IN	$112M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Cleveland Selfreliance Federal Credit Union	Parma, OH	$114M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Credit Union of The Rockies	Golden, CO	$113M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Deepwater Industries Federal Credit Union	Deepwater, NJ	$114M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Explorers Federal Credit Union	Yankton, SD	$112M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First California Federal Credit Union	Fresno, CA	$110M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Eagle Federal Credit Union	Owings Mills, MD	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Greater Pittsburgh Police Federal Credit Union	Pittsburgh, PA	$110M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hibbing Cooperative Federal Credit Union	Hibbing, MN	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ibew & United Workers Federal Credit Union	Portland, OR	$113M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kaiperm Federal Credit Union	Walnut Creek, CA	$108M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Madison County Federal Credit Union	Anderson, IN	$114M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Membersown Federal Credit Union	Lincoln, NE	$109M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Metrum Community Federal Credit Union	Centennial, CO	$112M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mobile Educators Federal Credit Union	Mobile, AL	$113M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New Alliance Federal Credit Union	Ambridge, PA	$113M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Northridge Community Federal Credit Union	Virginia, MN	$113M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Palco Fcu Federal Credit Union	Muncy, PA	$109M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Rancho Federal Credit Union	Downey, CA	$109M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Riverview Federal Credit Union	Belpre, OH	$113M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Seaport Federal Credit Union	Elizabeth, NJ	$110M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Southern Lakes Federal Credit Union	Kenosha, WI	$113M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Southwest 66 Federal Credit Union	Odessa, TX	$112M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Trunorthern Federal Credit Union	Malone, NY	$112M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Weld Community Federal Credit Union	Greeley, CO	$110M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 8 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Total Community Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $8 among 8 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 20, 2026.

Monthly maintenance fee in dollars, one mark per institution

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

Total Community Federal C…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 20, 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 Total Community 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: $196K
vs prior quarter: +$7K+3.7%; from Q1 2026
vs a year earlier: +$23K+13.3%; from Q2 2025
vs start of range: +$6K+3.2%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Total Community 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	$196K	+$7K	+3.7%
Q1 2026	$189K	−$12K	−6.0%
Q4 2025	$201K	−$58K	−22.4%
Q3 2025	$259K	+$86K	+49.7%
Q2 2025	$173K	+$8K	+4.8%
Q1 2025	$165K	−$20K	−10.8%
Q4 2024	$185K	−$5K	−2.6%
Q3 2024	$190K	+$25K	+15.2%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Savings Account, Low Balance Fee$5
Membership Account Closed within 6 months$15
Dormant Account Fee, 12 mos. inactivity$5
Account Reconciliation/Research$30
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statements (waived for under 18 & over 65 years of age)$2
per month
Returned Mail/Bad Address$10
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Courtesy Pay$32
per item
Non-Sufficient Funds (NSF)$32
per item
Overdraft Transfer Fee (from savings)$3

ATM & Card

All other ATM machines$2
per item
Debit Card Replacement$10
Expedited Debit Card$95

Wire Transfers

Wire Transfer - Outgoing (domestic)$30
Wire Transfer - Incoming$5

Check Services

Corporate Check$3
Money Order$2
Stop Payment$30
Check Cashing – Non-member (on-us or Corporate)$10
per item
Copy Canceled Check (free Online)$5
per item

Cash & Deposit

Coin Machine, Members (audience not stated, treated as personal)7%
Coin Machine, Non-members14%
Cash Advance – Non-Member$15
Cash Advance From Another Institution for Members$10
Return Deposit Item – third party$15
per item
Return Deposit Item-Self (from member’s account elsewhere)$32
per item

Account Services

Notary – Non-members (free for members)$10
per item
Garnishment, Levy or other Legal Collection$75
per item
Real Estate Subordination$200
Account Verification of Deposits for Other Institutions$5

Retirement & IRA

IRA Transfer to another FI$50

Other Fees

Loan Modification/Subsequent Action$35
Loan Refinance Fee$100

Fee	Amount	Basis	Note
Account Maintenance
Savings Account, Low Balance Fee	$5	Not stated	None
Membership Account Closed within 6 months	$15	Not stated	None
Dormant Account Fee, 12 mos. inactivity	$5	Not stated	None
Account Reconciliation/Research	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statements (waived for under 18 & over 65 years of age)	$2	per month	None
Returned Mail/Bad Address	$10Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Courtesy Pay	$32	per item	None
Non-Sufficient Funds (NSF)	$32	per item	None
Overdraft Transfer Fee (from savings)	$3	Not stated	None
ATM & Card
All other ATM machines	$2	per item	None
Debit Card Replacement	$10	Not stated	None
Expedited Debit Card	$95	Not stated	None
Wire Transfers
Wire Transfer - Outgoing (domestic)	$30	Not stated	None
Wire Transfer - Incoming	$5	Not stated	None
Check Services
Corporate Check	$3	Not stated	None
Money Order	$2	Not stated	None
Stop Payment	$30	Not stated	None
Check Cashing – Non-member (on-us or Corporate)	$10	per item	None
Copy Canceled Check (free Online)	$5	per item	None
Cash & Deposit
Coin Machine, Members (audience not stated, treated as personal)	7%	Not stated	None
Coin Machine, Non-members	14%	Not stated	None
Cash Advance – Non-Member	$15	Not stated	None
Cash Advance From Another Institution for Members	$10	Not stated	None
Return Deposit Item – third party	$15	per item	None
Return Deposit Item-Self (from member’s account elsewhere)	$32	per item	None
Account Services
Notary – Non-members (free for members)	$10	per item	None
Garnishment, Levy or other Legal Collection	$75	per item	None
Real Estate Subordination	$200	Not stated	None
Account Verification of Deposits for Other Institutions	$5	Not stated	None
Retirement & IRA
IRA Transfer to another FI	$50	Not stated	None
Other Fees
Loan Modification/Subsequent Action	$35	Not stated	None
Loan Refinance Fee	$100	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

Oct 19, 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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