BlastPoint's Credit Union Scorecard

TIDEMARK

Charter #13121 · DE

100M-500M

1070 CUs in 100M-500M nationally 4 in DE

TIDEMARK has 3 strengths but faces 8 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 2.8% in tier
+ Total Deposits: Top 3.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.40% below tier average
- Efficiency ratio 4.79% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 4.9% in tier
- Fee Income Per Member: Bottom 8.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Members	22,105 +0.9% YoY0% QoQ	+7.0K	15,145 -2.5% YoY	16,940 +7.4% YoY	33,913 +5.7% YoY	83%
Assets	$470.8M +1.6% YoY+1.7% QoQ	+$239.1M	$231.7M +0.8% YoY	$214.1M +16.8% YoY	$578.3M +9.0% YoY	Top 2.9% in tier
Loans	$249.5M +11.1% YoY+2.4% QoQ	+$105.3M	$144.1M +0.2% YoY	$130.7M +18.0% YoY	$402.4M +8.7% YoY	Top 13.1% in tier
Deposits	$406.8M -0.1% YoY+1.7% QoQ	+$205.7M	$201.1M +0.4% YoY	$190.3M +16.8% YoY	$494.3M +9.1% YoY	Top 3.1% 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	0.3% +67.7% YoY-37.8% QoQ	-0.4%	0.7% +5.1% YoY	1.6% +9.6% YoY	0.4% -39.2% YoY	24%
NIM	2.5% +16.3% YoY+5.3% QoQ	-1.1%	3.6% +4.6% YoY	3.5% +6.1% YoY	3.8% +4.1% YoY	Bottom 4.8% in tier
Efficiency Ratio	82.8% -8.8% YoY+3.2% QoQ	+4.8%	78.0% -1.7% YoY	78.7% -23.9% YoY	84.6% +2.8% YoY	65%
Delinquency Rate	0.4% +63.3% YoY-16.4% QoQ	-0.3	0.8% +7.1% YoY	2.3% +13.1% YoY	1.2% +3.4% YoY	37%
Loan To Share	61.3% +11.2% YoY+0.7% QoQ	-9.1%	70.4% -0.4% YoY	46.7% +1.2% YoY	65.6% -1.4% YoY	29%
AMR	$29,690 +2.9% YoY+2.0% QoQ	+$5K	$24,918 +2.7% YoY	$14,274 +3.2% YoY	$19,920 +1.6% YoY	80%
CD Concentration	33.3% +12.3% YoY+3.1% QoQ	+9.0%	24.3%	13.3%	19.8%	50%
Indirect Auto %	16.7% -8.3% YoY+2.7% QoQ	+2.9%	13.8%	7.4%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#195 of 257 • 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): 2.95%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $2.4K

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Concerns (4)

Credit Risk Growth

risk

#108 of 476 • 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): 11.09%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Efficiency Drag

risk

#240 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 82.81%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.13% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 0.89%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#372 of 727 • 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): 0.17% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#483 of 504 • 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): 1.59%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 16.69%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 0.89%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (7 metrics)

Total Assets

balance_sheet

Value: $470.80M

Peer Median: $196.57M

#31 of 1070 Top 2.8% in 100M-500M tier

Total Deposits

balance_sheet

Value: $406.82M

Peer Median: $171.29M

#33 of 1070 Top 3.0% in 100M-500M tier

140

Total Loans

balance_sheet

Value: $249.47M

Peer Median: $121.41M

#140 of 1070 Top 13.0% in 100M-500M tier

143

Loan Growth Rate

growth

Value: 11.09%

Peer Median: 2.93%

#143 of 1070 Top 13.3% in 100M-500M tier

179

Total Members

engagement

Value: 22,105

Peer Median: 13,200

#179 of 1070 Top 16.6% in 100M-500M tier

211

Net Worth Ratio

risk

Value: 14.13%

Peer Median: 11.45%

#211 of 1070 Top 19.6% in 100M-500M tier

212

Average Member Relationship (AMR)

engagement

Value: $29,690

Peer Median: $22,931

#212 of 1070 Top 19.7% in 100M-500M tier

Top Weaknesses (6 metrics)

1019

Net Interest Margin (NIM)

profitability

Value: 2.52%

Peer Median: 3.62%

#1019 of 1070 Bottom 4.9% in 100M-500M tier

979

Fee Income Per Member

profitability

Value: $74.23

Peer Median: $154.95

#979 of 1070 Bottom 8.6% in 100M-500M tier

954

First Mortgage Concentration (%)

balance_sheet

Value: 52.60%

Peer Median: 29.47%

#954 of 1070 Bottom 10.9% in 100M-500M tier

865

Deposit Growth Rate

growth

Value: -0.12%

Peer Median: 3.30%

#865 of 1070 Bottom 19.3% in 100M-500M tier

861

Share Certificate Concentration (%)

balance_sheet

Value: 33.28%

Peer Median: 23.10%

#861 of 1070 Bottom 19.6% in 100M-500M tier

809

Return on Assets (ROA)

profitability

Value: 0.32%

Peer Median: 0.69%

#809 of 1070 Bottom 24.5% in 100M-500M tier