TANDEM
Charter #4787 · Warren, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.35% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.25% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 3.04% sits at the 15th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.57% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 91.75% sits at the 82nd 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 | TANDEM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $22.26M | 42th pct | 20th pct |
| Members | 2,210 | 55th pct | 46th pct |
| Net worth ratio | 16.35% | 68th pct | 79th pct |
| Return on average assets | -0.25% | 13th pct | 10th pct |
| Net interest margin | 3.04% | 18th pct | 15th pct |
| Cost of funds | 0.43% | 28th pct | 36th pct |
| Loan-to-share | 39.59% | 21th pct | 30th pct |
| Delinquency 60+ days | 0.27% | 34th pct | 26th pct |
| Net charge-off ratio | 1.57% | 92th pct | 92th pct |
| Loan growth YoY | 6.00% | 94th pct | 97th pct |
| Share growth YoY | -0.95% | 20th pct | 16th pct |
| Efficiency ratio | 91.75% | 76th pct | 82th pct |
structural peer set hash: 07bae35f5504878e2ca1addcd24dd05b… (reproducible)
Closest structural peers
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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.