BlastPoint's Credit Union Scorecard

TANDEM

Charter #4787 · MI

<100M

2508 CUs in <100M nationally 56 in MI

TANDEM faces 6 concerns requiring attention

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.40% below tier average
- Efficiency ratio 1.12% above tier (higher cost structure)
- Deposit Growth Rate: Bottom 6.8% in tier
- AMR Growth Rate: Bottom 7.1% in tier
- Asset Growth Rate: Bottom 8.0% in tier
- Net Charge-Off Rate: Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	2,210 +2.7% YoY+0.8% QoQ	-466	2,676 +1.6% YoY	36,022 +6.3% YoY	33,913 +5.7% YoY	56%
Assets	$22.3M -7.7% YoY-0.6% QoQ	$-7.9M	$30.2M +1.3% YoY	$705.1M +14.1% YoY	$578.3M +9.0% YoY	50%
Loans	$7.5M -1.2% YoY+1.4% QoQ	$-7.8M	$15.3M -2.0% YoY	$480.6M +13.6% YoY	$402.4M +8.7% YoY	44%
Deposits	$18.8M -10.1% YoY-0.6% QoQ	$-6.9M	$25.8M +0.7% YoY	$601.5M +14.1% YoY	$494.3M +9.1% YoY	50%

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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% -83.4% YoY-47.4% QoQ	-0.4%	0.1% -77.6% YoY	0.9% +85.7% YoY	0.4% -39.2% YoY	17%
NIM	3.1% +9.9% YoY-0.1% QoQ	-1.0%	4.0% +4.0% YoY	3.7% +3.8% YoY	3.8% +4.1% YoY	20%
Efficiency Ratio	91.7% -23.2% YoY-12.2% QoQ	+1.1%	90.6% +6.5% YoY	75.8% -7.1% YoY	84.6% +2.8% YoY	72%
Delinquency Rate	0.3% -90.2% YoY-89.4% QoQ	-1.2	1.5% +3.8% YoY	0.7% -7.8% YoY	1.2% +3.4% YoY	32%
Loan To Share	39.6% +9.9% YoY+1.9% QoQ	-18.9%	58.5% -3.0% YoY	65.1% -0.0% YoY	65.6% -1.4% YoY	22%
AMR	$11,905 -10.2% YoY-0.9% QoQ	$-3K	$14,884 -1.7% YoY	$22,971 +5.9% YoY	$19,920 +1.6% YoY	38%
CD Concentration	10.8% +33.5% YoY+2.4% QoQ	-13.5%	24.3%	18.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	11.7%	7.7%	50%

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

284

Fee Income Per Member

profitability

Value: $150.29

Peer Median: $60.42

#284 of 2508 Top 11.3% in <100M tier

326

Member Growth Rate

growth

Value: 2.74%

Peer Median: -1.37%

#326 of 2508 Top 13.0% in <100M tier

Top Weaknesses (8 metrics)

2339

Deposit Growth Rate

growth

Value: -10.12%

Peer Median: 0.66%

#2339 of 2508 Bottom 6.8% in <100M tier

2332

AMR Growth Rate

growth

Value: -10.22%

Peer Median: 1.27%

#2332 of 2508 Bottom 7.1% in <100M tier

2309

Asset Growth Rate

growth

Value: -7.71%

Peer Median: 1.30%

#2309 of 2508 Bottom 8.0% in <100M tier

2283

Net Charge-Off Rate

risk

Value: 1.56%

Peer Median: 0.07%

#2283 of 2508 Bottom 9.0% in <100M tier

2148

First Mortgage Concentration (%)

balance_sheet

Value: 38.63%

Peer Median: 3.66%

#2148 of 2508 Bottom 14.4% in <100M tier

2092

Return on Assets (ROA)

profitability

Value: -0.25%

Peer Median: 0.61%

#2092 of 2508 Bottom 16.6% in <100M tier

2009

Net Interest Margin (NIM)

profitability

Value: 3.05%

Peer Median: 3.83%

#2009 of 2508 Bottom 19.9% in <100M tier

1965

Loan-to-Share Ratio

balance_sheet

Value: 39.59%

Peer Median: 58.72%

#1965 of 2508 Bottom 21.7% in <100M tier