State credit union · Grand Rapids, Michigan · NCUA charter #62249
INTANDEM
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $71.7M
- Total assets
- 4,940
- Members
- 11.6%
- Net-worth ratio
INTANDEM scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $71.7M; members 4,940; net-worth ratio 11.57%; health rank #2,121 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,121 of 4,374 health · 2025Q4INTANDEM · health 84/100 · $71.7M · 2025Q4
- MEM 84/100
- RANK 11.6%
- PHOTO 1.13%
- BOOK 0.49%
- CHARTER $71.7M
- NCUSIF 4,940
- CAMELS #2,121/4,374
- HEALTH Lincoln Public School Employees
- NW 62249
Call Report peers
INTANDEM in the assets neighbourhood
INTANDEM's $71.7M assets sit next to Lincoln Public School Employees ($71.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
INTANDEM vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
INTANDEM - Share Insurance Coverage
Charter #62249's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where INTANDEM diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 70.21% here, 62.60% peer average (+7.61 pp).
- Net Worth Ratio trails the peer set - 11.57% here, 13.62% peer average (-2.05 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where INTANDEM sits in Michigan
- In Michigan, health place is #105 of 171 on the same NCUA-ratio sort used nationally.
- Michigan assets place: #124 of 171.
- Membership ranks #124 of 171 among Michigan CUs with a reported count (4,940 members).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for INTANDEM
INTANDEM: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.7% from $71.7M (2025Q4) to $76.5M (2026Q1).
- Net-worth ratio shifted -0.58 pp (12.15% → 11.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.57% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.1 pts
- Return on Assets 14.9 pts
- Member Growth 5.0 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for INTANDEM
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.57% | -2.05 pp |
| Delinquency Rate | 1.13% | +0.16 pp |
| Return on Assets | 0.49% | -0.17 pp |
| Member Growth | -2.20% | - |
| Loan-to-Share Ratio | 70.21% | +7.61 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
INTANDEM quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $76.5M | - |
| 2025Q4 | $71.7M | 4,940 |
| 2024Q4 | $71.5M | 5,051 |
| 2023Q4 | $72.2M | 5,088 |
Credit Union Details
- Charter Number
- 62249
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- Grand Rapids
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, INTANDEM runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Grand Rapids, MI |
| North Branch | Cedar Springs, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Other-state peers near INTANDEM
INTANDEM's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($71.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- INTANDEM ranks #2,121 of 4,374 nationally on financial health and #105 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Michigan Columbus is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Michigan Columbus
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is INTANDEM financially healthy?
INTANDEM has a financial health score of 84/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,121 of 4,374; by total assets it ranks #2,116 of 4,374 nationally (same basis as /rankings/largest); and #124 of 171 within Michigan. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.57% and delinquency rate of 1.13%.
How does INTANDEM compare to other credit unions?
Five weighted metrics from NCUA filings produce INTANDEM's 84/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join INTANDEM?
Membership eligibility for INTANDEM depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact INTANDEM directly for current membership requirements and application steps.
Is my money safe at INTANDEM?
Federal credit unions like INTANDEM are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. INTANDEM's net worth ratio of 11.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does INTANDEM offer compared to banks?
Credit unions like INTANDEM are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact INTANDEM directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.