TIDEMARK

Charter #13121 | DE

100M-500M (1077 CUs) Micro
5 100M-500M in DE

TIDEMARK has 4 strengths but faces 13 concerns

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

  • - Deposit Outflow: Bottom 3.2% in tier
  • - Liquidity Overhang: Bottom 8.6% in tier
  • - Efficiency Drag: Bottom 14.2% in tier
  • - Credit Quality Pressure: Bottom 19.2% in tier
  • - Shrinking Wallet Share: Bottom 20.1% in tier
  • - Growth-at-Risk: 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
 Top 19.8% in tier
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
 Top 17.7% in tier
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
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
 Bottom 24.4% in tier
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
 73rd in tier
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
 28th in tier
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
 Bottom 18.9% in tier
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
 Top 21.2% in tier
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
 50th in tier
Indirect Auto % 17.4%
-10.0% YoY-2.5% QoQ
 +3.4% 14.0%
-5.8% YoY
 7.8%
-5.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#387 of 430 • Top 29.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.83%
(Tier: 0.88%, National: 9.37%)
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: 13.96%, 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 (8)

Deposit Outflow

decline
#20 of 114 • Bottom 3.2% in tier

Members staying but deposits leaving. They're losing 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
Total Assets: $458.09M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Liquidity Overhang

risk
#134 of 552 • Bottom 8.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.21%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 58.36%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

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

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

Growth-at-Risk

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: 3.64%, 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: 13.96%, 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 has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $458.09M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
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)

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

41
Total Deposits
balance_sheet
Value: $396.97M
Peer Avg: $200.29M
#41 of 1077 Top 3.7% in 100M-500M tier
45
Total Assets
balance_sheet
Value: $458.09M
Peer Avg: $231.30M
#45 of 1077 Top 4.1% in 100M-500M tier
191
Total Loans
balance_sheet
Value: $231.67M
Peer Avg: $147.80M
#191 of 1077 Top 17.6% in 100M-500M tier
213
Net Worth Ratio
risk
Value: 14.21%
Peer Avg: 12.15%
#213 of 1077 Top 19.7% in 100M-500M tier
213
Total Members
engagement
Value: 21,969
Peer Avg: 15,628
#213 of 1077 Top 19.7% in 100M-500M tier
228
Average Member Relationship (AMR)
engagement
Value: $28,615
Peer Avg: $24,363
#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: 3.58%
#1029 of 1077 Bottom 4.5% in 100M-500M tier
1017
Deposit Growth Rate
growth
Value: -3.28%
Peer Avg: 4.69%
#1017 of 1077 Bottom 5.7% in 100M-500M tier
983
First Mortgage Concentration (%)
balance_sheet
Value: 55.43%
Peer Avg: 30.43%
#983 of 1077 Bottom 8.8% in 100M-500M tier
957
Asset Growth Rate
growth
Value: -1.66%
Peer Avg: 4.70%
#957 of 1077 Bottom 11.2% in 100M-500M tier
913
AMR Growth Rate
growth
Value: -1.20%
Peer Avg: 3.64%
#913 of 1077 Bottom 15.3% in 100M-500M tier
873
Loan-to-Share Ratio
balance_sheet
Value: 58.36%
Peer Avg: 72.70%
#873 of 1077 Bottom 19.0% in 100M-500M tier
814
Return on Assets (ROA)
profitability
Value: 0.39%
Peer Avg: 0.79%
#814 of 1077 Bottom 24.5% in 100M-500M tier