BlastPoint's Credit Union Scorecard
TANDEM
Charter #4787 · MI
TANDEM has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.10% below tier average
- - Efficiency ratio 21.94% above tier (higher cost structure)
- - Delinquency rate 1.02% above tier average
- - AMR Growth Rate: Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,192
+2.9% YoY+0.8% QoQ
|
-423 |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
55% |
| Assets |
$22.4M
-5.3% YoY-0.0% QoQ
|
$-7.7M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
51% |
| Loans |
$7.4M
-5.5% YoY+4.6% QoQ
|
$-8.4M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
43% |
| Deposits |
$19.0M
-7.4% YoY-0.4% QoQ
|
$-6.7M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
-0.5%
-50.8% YoY-29.1% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.3% in tier |
| NIM |
3.1%
+5.2% YoY+2.2% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
104.5%
-13.3% YoY-2.3% QoQ
|
+21.9% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Top 8.4% in tier |
| Delinquency Rate |
2.6%
-2.8% YoY+4.8% QoQ
|
+1.0 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
38.8%
+2.0% YoY+5.0% QoQ
|
-21.8% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$12,008
-9.5% YoY+0.1% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
39% |
| CD Concentration |
10.6%
+31.6% YoY+1.1% QoQ
|
-13.9% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)