Compared with Michigan
17 of 25
compared fees are above the median.
3 below, 5 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
76th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Michigan median
of 25 compared; 3 below, 5 about the same
See the feesFee schedule read Oct 19, 2026
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) 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. | 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
Fee income was 12% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (76th 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 $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.
17 of 25 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 24% from Q3 2025 to Q2 2026, to $196K. Its share of revenue, 12%, is above the 7.2% median for credit unions with under $300M in assets.
$196K
Total Community 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.
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.
| 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.
Peer pricing snapshot
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.
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.
Call reports for Total Community 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 | $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% |
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, Total Community 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 Total Community Federal Credit Union by share.
Amounts from Total Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per month
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Savings Account, Low Balance Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Membership Account Closed within 6 months | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee, 12 mos. inactivity | $5Inside the U.S. middle 50% ($5 to $10 nationally) | 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) | $2Inside the U.S. middle 50% ($2 to $4.98 nationally) | per month | None |
| Returned Mail/Bad Address | $10Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Courtesy Pay | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds (NSF) | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer Fee (from savings) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| All other ATM machines | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited Debit Card | $95Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer - Outgoing (domestic) | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer - Incoming | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Corporate Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing – Non-member (on-us or Corporate) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Copy Canceled Check (free Online) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | 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 | $15Above the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Cash Advance From Another Institution for Members | $10Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Return Deposit Item – third party | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
| Return Deposit Item-Self (from member’s account elsewhere) | $32Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary – Non-members (free for members) | $10Above the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Garnishment, Levy or other Legal Collection | $75Inside the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
| Real Estate Subordination | $200Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Account Verification of Deposits for Other Institutions | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer to another FI | $50Above the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Loan Modification/Subsequent Action | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Refinance Fee | $100Above 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
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.
Where Total Community Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Grand Rapids, MI | 1 |
| Taylor, MI | 1 |
Largest competitors nearby
Local market: Wayne county, MI, around its headquarters.
| 33 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 48.6% |
| Fifth Third Bank, National Association | 30.8% |
| The Huntington National Bank | 5.3% |
| Bank of America, National Association | 5% |
| PNC Bank, National Association | 3.4% |
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.