TANDEM
Charter #4787 | MI
<100M
(2596 CUs)
Micro
($0-$500M)
61 <100M in 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 1.36% below tier average
- - Efficiency ratio 25.59% above tier (higher cost structure)
- - Delinquency rate 0.95% above tier average
- - AMR Growth Rate: Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,174
+2.8% YoY+0.5% QoQ
|
-451 |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
55th in tier |
| Assets |
$22.4M
-3.5% YoY-4.4% QoQ
|
$-7.5M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
51st in tier |
| Loans |
$7.0M
-12.0% YoY-3.9% QoQ
|
$-8.7M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
42nd in tier |
| Deposits |
$19.0M
-5.0% YoY-5.5% QoQ
|
$-6.4M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
51st in tier |
| ROA |
-0.7%
-37.1% YoY+0.5% QoQ
|
-1.4% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.4% in tier |
| NIM |
3.0%
+2.9% YoY+4.9% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 17.7% in tier |
| Efficiency Ratio |
107.0%
-11.5% YoY-3.5% QoQ
|
+25.6% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Top 7.2% in tier |
| Delinquency Rate |
2.5%
-2.2% YoY-11.4% QoQ
|
+0.9 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Top 15.7% in tier |
| Loan To Share |
37.0%
-7.4% YoY+1.7% QoQ
|
-24.2% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 16.0% in tier |
| AMR |
$11,991
-9.5% YoY-5.6% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
39th in tier |
| CD Concentration |
10.4%
+46.4% YoY+5.3% QoQ
|
-14.0% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
337
Member Growth Rate
growth
Value:
2.84%
Peer Avg: 14.92%
#337 of 2596
Top 12.9% in <100M tier
515
Fee Income Per Member
profitability
Value:
$132.02
Peer Avg: $182.96
#515 of 2596
Top 19.8% in <100M tier
Top Weaknesses (11 metrics)
2409
Efficiency Ratio
profitability
Value:
106.99%
Peer Avg: 81.39%
#2409 of 2596
Bottom 7.2% in <100M tier
2403
Return on Assets (ROA)
profitability
Value:
-0.68%
Peer Avg: 0.68%
#2403 of 2596
Bottom 7.5% in <100M tier
2386
AMR Growth Rate
growth
Value:
-9.55%
Peer Avg: 4.67%
#2386 of 2596
Bottom 8.1% in <100M tier
2318
Net Charge-Off Rate
risk
Value:
1.25%
Peer Avg: 0.57%
#2318 of 2596
Bottom 10.7% in <100M tier
2195
First Mortgage Concentration (%)
balance_sheet
Value:
35.66%
Peer Avg: 14.49%
#2195 of 2596
Bottom 15.5% in <100M tier
2190
Total Delinquency Rate (60+ days)
risk
Value:
2.45%
Peer Avg: 1.51%
#2190 of 2596
Bottom 15.7% in <100M tier
2176
Loan-to-Share Ratio
balance_sheet
Value:
37.00%
Peer Avg: 61.23%
#2176 of 2596
Bottom 16.2% in <100M tier
2169
Loan Growth Rate
growth
Value:
-11.98%
Peer Avg: 59.01%
#2169 of 2596
Bottom 16.5% in <100M tier
2142
Deposit Growth Rate
growth
Value:
-4.98%
Peer Avg: 16.80%
#2142 of 2596
Bottom 17.5% in <100M tier
2137
Net Interest Margin (NIM)
profitability
Value:
2.99%
Peer Avg: 3.93%
#2137 of 2596
Bottom 17.7% in <100M tier