TIDEMARK
Charter #13121 · Seaford, DE · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.13% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.33% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 2.54% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.77% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 82.81% sits at the 79th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | TIDEMARK | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $470.80M | 97th pct | 89th pct |
| Members | 22,105 | 83th pct | 74th pct |
| Net worth ratio | 14.13% | 80th pct | 85th pct |
| Return on average assets | 0.33% | 24th pct | 18th pct |
| Net interest margin | 2.54% | 5th pct | 8th pct |
| Cost of funds | 1.77% | 79th pct | 82th pct |
| Loan-to-share | 61.32% | 29th pct | 46th pct |
| Delinquency 60+ days | 0.45% | 37th pct | 41th pct |
| Net charge-off ratio | 0.33% | 47th pct | 70th pct |
| Loan growth YoY | 7.69% | 95th pct | 92th pct |
| Share growth YoY | 2.48% | 35th pct | 39th pct |
| Efficiency ratio | 82.81% | 65th pct | 79th pct |
structural peer set hash: 60d232b9c954dd22879b574e7e0df0d1… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.