Tandem

Warren, MI · 1 · Charter #4787 · www.tandemfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$22.4M
66th percentile
Members
2,192
71th percentile
Total loans
$7.4M
56th percentile
Total shares
$19.0M
66th percentile

Profitability

Return on assets
-0.20%
12th percentile
Net interest margin
3.06%
21th percentile
Efficiency ratio
96.51%
8th percentile
Non-interest income ratio
27.98%
93th percentile

Capital & Risk

Net worth ratio
16.31%
58th percentile
Delinquency rate
2.57%
19th percentile
Net charge-off rate
0.92%
19th percentile
Loan-to-share
38.83%
20th percentile

Growth

Member growth YoY
2.86%
88th percentile
Asset growth YoY
-5.33%
15th percentile
Loan growth YoY
-5.53%
39th percentile
Share growth YoY
-7.38%
13th percentile

Operations

Members / branch
1,096
50th percentile
Assets / member
$10,218
58th percentile
Field of membership penetration
0.93%
6th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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