BlastPoint's Credit Union Scorecard

TIDEMARK

Charter #13121 · DE

1077 CUs in 100M-500M nationally 5 in DE

TIDEMARK has 4 strengths but faces 12 concerns

National Analysis

How does the industry compare?

DE Analysis

How does DE stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 29.3% in tier
+ Organic Growth Engine: Top 32.1% in tier
+ Total Deposits: Top 3.7% in tier
+ Total Assets: Top 4.1% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 14.2% in tier
- Deposit Outflow: Bottom 18.8% in tier
- Credit Quality Pressure: Bottom 19.2% in tier
- Shrinking Wallet Share: Bottom 20.1% in tier
- Credit Risk Growth: Bottom 21.1% in tier
- Indirect Auto Dependency: Bottom 32.1% in tier
- Flatlined Growth: Bottom 43.7% in tier
- ROA 0.40% below tier average
- Efficiency ratio 6.28% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 4.5% in tier
- Deposit Growth Rate: Bottom 5.7% in tier
- First Mortgage Concentration (%): Bottom 8.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Members	21,969 +0.8% YoY+0.1% QoQ	+6.3K	15,628 -3.4% YoY	17,253 +10.0% YoY	33,089 +6.1% YoY	80%
Assets	$458.1M -1.7% YoY-0.7% QoQ	+$226.8M	$231.3M -0.0% YoY	$195.2M +8.0% YoY	$547.7M +7.8% YoY	Top 4.2% in tier
Loans	$231.7M +5.0% YoY+1.7% QoQ	+$83.9M	$147.8M -1.4% YoY	$121.5M +9.1% YoY	$388.7M +8.6% YoY	82%
Deposits	$397.0M -3.3% YoY-1.6% QoQ	+$196.7M	$200.3M -0.0% YoY	$172.1M +8.7% YoY	$464.6M +9.3% YoY	Top 3.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% +114.6% YoY+23.5% QoQ	-0.4%	0.8% +15.5% YoY	2.8% +77.8% YoY	0.7% +273.4% YoY	24%
NIM	2.3% +29.8% YoY+2.7% QoQ	-1.2%	3.6% +6.9% YoY	3.3% +6.1% YoY	3.7% +5.0% YoY	Bottom 4.5% in tier
Efficiency Ratio	83.6% -9.5% YoY-2.4% QoQ	+6.3%	77.3% -3.0% YoY	77.7% -4.8% YoY	79.1% -3.3% YoY	73%
Delinquency Rate	0.4% +35.8% YoY+43.8% QoQ	-0.5	0.9% +7.6% YoY	2.7% +22.3% YoY	1.2% -0.9% YoY	28%
Loan To Share	58.4% +8.6% YoY+3.3% QoQ	-14.3%	72.7% -1.5% YoY	48.0% +0.7% YoY	68.0% -1.7% YoY	19%
AMR	$28,615 -1.2% YoY-0.6% QoQ	+$4K	$24,363 +2.9% YoY	$13,877 +1.3% YoY	$19,418 +1.3% YoY	79%
CD Concentration	30.5% -0.8% YoY+1.9% QoQ	+6.1%	24.4% +4.2% YoY	12.6% +3.7% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	17.4% -10.0% YoY-2.5% QoQ	+3.4%	14.0% -5.7% YoY	7.8% -5.9% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#387 of 430 • Top 29.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.83%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 17.40%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth

#588 of 603 • Top 32.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.83%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.39%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 17.40%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (7)

Efficiency Drag

risk

#252 of 521 • Bottom 14.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.56%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.21% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): 0.83%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

Deposit Outflow

decline

#16 of 81 • Bottom 18.8% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -3.28%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 0.83%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | New qualifier

Credit Quality Pressure

risk

#476 of 736 • Bottom 19.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#201 of 244 • Bottom 20.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.20%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank improving

Credit Risk Growth

risk

#317 of 446 • Bottom 21.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.01%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#517 of 525 • Bottom 32.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -1.66%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 17.40%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 0.83%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Flatlined Growth

risk

#46 of 58 • Bottom 43.7% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -1.66%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Return on Assets: 0.39%

(Tier: 0.77%, National: 0.71%)

worse than tier avg

58 of 1077 Community CUs have this signature | 82 nationally

↑ Growing +10 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

Total Deposits

balance_sheet

Value: $396.97M

Peer Avg: -

#41 of 1077 Top 3.7% in 100M-500M tier

Total Assets

balance_sheet

Value: $458.09M

Peer Avg: -

#45 of 1077 Top 4.1% in 100M-500M tier

191

Total Loans

balance_sheet

Value: $231.67M

Peer Avg: -

#191 of 1077 Top 17.6% in 100M-500M tier

213

Net Worth Ratio

risk

Value: 14.21%

Peer Avg: -

#213 of 1077 Top 19.7% in 100M-500M tier

213

Total Members

engagement

Value: 21,969

Peer Avg: -

#213 of 1077 Top 19.7% in 100M-500M tier

228

Average Member Relationship (AMR)

engagement

Value: $28,615

Peer Avg: -

#228 of 1077 Top 21.1% in 100M-500M tier

Top Weaknesses (7 metrics)

1029

Net Interest Margin (NIM)

profitability

Value: 2.34%

Peer Avg: -

#1029 of 1077 Bottom 4.5% in 100M-500M tier

1017

Deposit Growth Rate

growth

Value: -3.28%

Peer Avg: -

#1017 of 1077 Bottom 5.7% in 100M-500M tier

983

First Mortgage Concentration (%)

balance_sheet

Value: 55.43%

Peer Avg: -

#983 of 1077 Bottom 8.8% in 100M-500M tier

957

Asset Growth Rate

growth

Value: -1.66%

Peer Avg: -

#957 of 1077 Bottom 11.2% in 100M-500M tier

913

AMR Growth Rate

growth

Value: -1.20%

Peer Avg: -

#913 of 1077 Bottom 15.3% in 100M-500M tier

873

Loan-to-Share Ratio

balance_sheet

Value: 58.36%

Peer Avg: -

#873 of 1077 Bottom 19.0% in 100M-500M tier

814

Return on Assets (ROA)

profitability

Value: 0.39%

Peer Avg: -

#814 of 1077 Bottom 24.5% in 100M-500M tier