BlastPoint's Credit Union Scorecard
INTANDEM
Charter #62249 · MI
INTANDEM demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Fee Income Per Member: Top 5.7% in tier
- + Total Loans: Top 7.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,973
-1.4% YoY-1.3% QoQ
|
+2.3K |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
Top 14.2% in tier |
| Assets |
$72.1M
+3.8% YoY-0.0% QoQ
|
+$42.2M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Top 11.3% in tier |
| Loans |
$44.8M
+4.4% YoY+1.0% QoQ
|
+$29.0M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Top 7.7% in tier |
| Deposits |
$63.1M
+3.3% YoY+0.8% QoQ
|
+$37.6M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
Top 10.2% in tier |
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| ROA |
0.9%
+129.6% YoY+10.0% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
55% |
| NIM |
3.7%
+19.7% YoY+2.5% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
44% |
| Efficiency Ratio |
80.1%
-8.1% YoY-1.4% QoQ
|
-1.3% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
54% |
| Delinquency Rate |
1.0%
+78.5% YoY+44.0% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
71.0%
+1.0% YoY+0.1% QoQ
|
+9.8% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
64% |
| AMR |
$21,689
+5.3% YoY+2.2% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
85% |
| CD Concentration |
8.8%
-3.0% YoY-6.8% QoQ
|
-15.6% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
1.3%
+212.4% YoY+10.7% QoQ
|
-12.7% |
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)