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 1.36% 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
|
55% |
| 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
|
51% |
| 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
|
42% |
| 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
|
51% |
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| 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
|
18% |
| 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
|
84% |
| 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
|
16% |
| 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
|
39% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
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)