BlastPoint's Credit Union Scorecard

TIDEMARK

Charter #13121 · DE

1069 CUs in 100M-500M nationally 4 in DE

TIDEMARK has 3 strengths but faces 9 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 95.5% in tier
+ Total Assets: Top 3.6% in tier
+ Total Deposits: Top 3.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 35.0% in tier
- Deposit Outflow: Bottom 35.3% in tier
- Credit Quality Pressure: Bottom 50.6% in tier
- Efficiency Drag: Bottom 73.4% in tier
- Indirect Auto Dependency: Bottom 99.0% in tier
- ROA 0.24% below tier average
- Efficiency ratio 3.24% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 4.6% in tier
- Deposit Growth Rate: Bottom 9.2% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Members	22,105 +0.3% YoY+0.6% QoQ	+6.7K	15,437 -2.9% YoY	17,002 +8.0% YoY	33,374 +5.7% YoY	82%
Assets	$462.8M -0.7% YoY+1.0% QoQ	+$230.9M	$231.9M +1.3% YoY	$210.6M +17.0% YoY	$561.6M +9.7% YoY	Top 3.7% in tier
Loans	$243.7M +8.3% YoY+5.2% QoQ	+$96.3M	$147.3M -0.1% YoY	$130.5M +17.1% YoY	$397.0M +8.8% YoY	85%
Deposits	$400.0M -1.9% YoY+0.8% QoQ	+$199.2M	$200.8M +0.8% YoY	$186.4M +17.6% YoY	$477.3M +9.7% YoY	Top 4.0% 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% +125.5% YoY+34.3% QoQ	-0.2%	0.8% +18.2% YoY	2.3% +136.3% YoY	0.7% +15.9% YoY	33%
NIM	2.4% +27.5% YoY+2.3% QoQ	-1.2%	3.6% +6.7% YoY	3.4% +5.3% YoY	3.8% +5.1% YoY	Bottom 4.5% in tier
Efficiency Ratio	80.3% -10.5% YoY-3.9% QoQ	+3.2%	77.0% -3.1% YoY	76.4% -7.9% YoY	79.7% -3.3% YoY	60%
Delinquency Rate	0.5% +62.2% YoY+31.8% QoQ	-0.4	0.9% +4.2% YoY	1.8% -3.1% YoY	1.3% -2.1% YoY	36%
Loan To Share	60.9% +10.3% YoY+4.4% QoQ	-11.3%	72.2% -1.1% YoY	48.0% +1.1% YoY	67.4% -1.7% YoY	25%
AMR	$29,118 +1.4% YoY+1.8% QoQ	+$4K	$24,676 +3.4% YoY	$14,177 +3.6% YoY	$19,687 +2.0% YoY	79%
CD Concentration	32.3% +6.1% YoY+5.7% QoQ	+7.9%	24.4%	13.2%	19.8%	50%
Indirect Auto %	16.3% -16.3% YoY-6.6% QoQ	+2.5%	13.8%	7.6%	7.8%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#256 of 268 • Top 95.5% 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): 1.43%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $2.4K

(Tier: $2.9K, National: $2.0K)

but worse than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Concerns (5)

Credit Risk Growth

risk

#160 of 456 • Bottom 35.0% in tier

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

Why This Signature

Loan Growth (YoY): 8.26%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.21% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Deposit Outflow

decline

#25 of 69 • Bottom 35.3% 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): -1.88%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): 0.29%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

Credit Quality Pressure

risk

#357 of 705 • Bottom 50.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.21% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Efficiency Drag

risk

#395 of 538 • Bottom 73.4% in tier

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

Why This Signature

Efficiency Ratio: 80.26%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.29% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 0.29%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#501 of 506 • Bottom 99.0% in tier

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

Why This Signature

Asset Growth (YoY): -0.65%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 16.25%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 0.29%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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 1069 peers in tier

Top Strengths (7 metrics)

Total Assets

balance_sheet

Value: $462.80M

Peer Median: -

#40 of 1069 Top 3.6% in 100M-500M tier

Total Deposits

balance_sheet

Value: $399.98M

Peer Median: -

#43 of 1069 Top 3.9% in 100M-500M tier

164

Total Loans

balance_sheet

Value: $243.68M

Peer Median: -

#164 of 1069 Top 15.2% in 100M-500M tier

191

Total Members

engagement

Value: 22,105

Peer Median: -

#191 of 1069 Top 17.8% in 100M-500M tier

207

Net Worth Ratio

risk

Value: 14.29%

Peer Median: -

#207 of 1069 Top 19.3% in 100M-500M tier

222

Average Member Relationship (AMR)

engagement

Value: $29,118

Peer Median: -

#222 of 1069 Top 20.7% in 100M-500M tier

249

Loan Growth Rate

growth

Value: 8.26%

Peer Median: -

#249 of 1069 Top 23.2% in 100M-500M tier

Top Weaknesses (5 metrics)

1021

Net Interest Margin (NIM)

profitability

Value: 2.39%

Peer Median: -

#1021 of 1069 Bottom 4.6% in 100M-500M tier

972

Deposit Growth Rate

growth

Value: -1.88%

Peer Median: -

#972 of 1069 Bottom 9.2% in 100M-500M tier

960

First Mortgage Concentration (%)

balance_sheet

Value: 53.74%

Peer Median: -

#960 of 1069 Bottom 10.3% in 100M-500M tier

939

Asset Growth Rate

growth

Value: -0.65%

Peer Median: -

#939 of 1069 Bottom 12.3% in 100M-500M tier

839

Share Certificate Concentration (%)

balance_sheet

Value: 32.28%

Peer Median: -

#839 of 1069 Bottom 21.6% in 100M-500M tier