BlastPoint's Credit Union Scorecard

TIDEMARK

Charter #13121 · DE

100M-500M

1024 CUs in 100M-500M nationally 4 in DE

TIDEMARK has 3 strengths but faces 7 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

+ Relationship Depth Leader: Top 50.0% in tier
+ Total Assets: Top 2.7% in tier
+ Total Deposits: Top 2.8% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Flatlined Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.36% below tier average
- Efficiency ratio 0.95% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 5.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 4 that size in Delaware.
Shares and deposits +0.4% year over year ($405M in shares and deposits).
Membership: 22,300 members, +1.7% vs a year ago.
Delinquency rate 0.33%.
Return on assets 0.51%.
Efficiency ratio 77.69% vs a 76.73% peer average.
Loan-to-share ratio 62.48% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Members	22,300 +1.7% YoY+0.9% QoQ	+7.1K	15,168 -2.6% YoY	17,843 +5.5% YoY	34,678 +6.6% YoY	83%
Assets	$468.5M +1.5% YoY-0.5% QoQ	+$236.5M	$232.0M +0.7% YoY	$212.9M +9.3% YoY	$593.1M +10.2% YoY	Top 2.8% in tier
Loans	$253.1M +11.1% YoY+1.4% QoQ	+$106.8M	$146.3M +0.2% YoY	$132.7M +10.6% YoY	$418.6M +10.1% YoY	Top 12.7% in tier
Deposits	$405.0M +0.4% YoY-0.4% QoQ	+$204.3M	$200.7M +0.2% YoY	$188.9M +9.2% YoY	$504.8M +10.3% YoY	Top 2.9% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% +60.7% YoY+55.8% QoQ	-0.4%	0.9% +12.5% YoY	1.1% -28.8% YoY	1.2% +121.4% YoY	28%
NIM	2.6% +14.7% YoY+3.7% QoQ	-1.1%	3.7% +4.5% YoY	3.5% +5.6% YoY	3.8% +2.3% YoY	Bottom 4.9% in tier
Efficiency Ratio	77.7% -9.3% YoY-6.2% QoQ	+1.0%	76.7% -0.8% YoY	79.3% -0.3% YoY	83.0% -5.3% YoY	51%
Delinquency Rate	0.3% +15.7% YoY-26.9% QoQ	-0.6	0.9% +6.6% YoY	2.3% -27.7% YoY	1.3% +2.6% YoY	21%
Loan To Share	62.5% +10.6% YoY+1.9% QoQ	-9.1%	71.5% -0.3% YoY	47.6% -0.9% YoY	66.4% -1.4% YoY	30%
AMR	$29,511 +2.6% YoY-0.6% QoQ	+$4K	$25,107 +3.2% YoY	$14,118 +1.5% YoY	$20,028 -0.9% YoY	78%
CD Concentration	32.7% +9.3% YoY-1.6% QoQ	+8.2%	24.6%	13.4%	20.0%	50%
Indirect Auto %	16.1% -9.6% YoY-3.4% QoQ	+2.5%	13.6%	7.1%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#212 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.56%

(Tier: 3.97%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $2.4K

(Tier: $2.9K, National: $2.1K)

but worse than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | New qualifier

Concerns (4)

Credit Risk Growth

risk

#258 of 472 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 11.07%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank improving

Flatlined Growth

risk

#30 of 42 • Bottom 50.0% 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): 1.54%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Return on Assets: 0.51%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

42 of 1024 Mid-Small & Community CUs have this signature | 57 nationally

→ Stable (46→42 CUs) -4 CUs YoY | Rank improving

Credit Quality Pressure

risk

#595 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#464 of 476 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 1.54%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 16.13%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 1.65%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

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 1024 peers in tier

Top Strengths (8 metrics)

Total Assets

balance_sheet

Value: $468.50M

Peer Median: $196.38M

#29 of 1024 Top 2.7% in 100M-500M tier

Total Deposits

balance_sheet

Value: $405.04M

Peer Median: $170.77M

#30 of 1024 Top 2.8% in 100M-500M tier

130

Total Loans

balance_sheet

Value: $253.06M

Peer Median: $124.04M

#130 of 1024 Top 12.6% in 100M-500M tier

137

Loan Growth Rate

growth

Value: 11.07%

Peer Median: 3.02%

#137 of 1024 Top 13.3% in 100M-500M tier

170

Total Members

engagement

Value: 22,300

Peer Median: 13,128

#170 of 1024 Top 16.5% in 100M-500M tier

214

Net Worth Ratio

risk

Value: 14.37%

Peer Median: 11.71%

#214 of 1024 Top 20.8% in 100M-500M tier

216

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Median: 0.71%

#216 of 1024 Top 21.0% in 100M-500M tier

225

Average Member Relationship (AMR)

engagement

Value: $29,511

Peer Median: $23,006

#225 of 1024 Top 21.9% in 100M-500M tier

Top Weaknesses (5 metrics)

974

Net Interest Margin (NIM)

profitability

Value: 2.61%

Peer Median: 3.67%

#974 of 1024 Bottom 5.0% in 100M-500M tier

903

First Mortgage Concentration (%)

balance_sheet

Value: 51.65%

Peer Median: 29.92%

#903 of 1024 Bottom 11.9% in 100M-500M tier

835

Fee Income Per Member

profitability

Value: $105.78

Peer Median: $159.88

#835 of 1024 Bottom 18.6% in 100M-500M tier

805

Share Certificate Concentration (%)

balance_sheet

Value: 32.74%

Peer Median: 23.39%

#805 of 1024 Bottom 21.5% in 100M-500M tier

787

Deposit Growth Rate

growth

Value: 0.40%

Peer Median: 3.58%

#787 of 1024 Bottom 23.2% in 100M-500M tier