Federal credit union · Warren, Michigan · NCUA charter #4787
TANDEM
Health score 61/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $22.4M
- Total assets
- 2,192
- Members
- 16.4%
- Net-worth ratio
TANDEM scores 61/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $22.4M; members 2,192; net-worth ratio 16.35%; health rank #4,020 of 4,374; healthier than 8th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,020 of 4,374 health · 2025Q4TANDEM · health 61/100 · $22.4M · 2025Q4
Call Report peers
TANDEM in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
TANDEM vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); TANDEM sits in 60-64 with 179 others.
61 8th percentile higher than 8% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where TANDEM diverges from peer averages
- Net Worth Ratio leads the peer set - 16.35% here, 14.86% peer average (+1.49 pp).
- Largest lag: Loan-to-Share Ratio at 38.83% vs peer 59.80% (-20.97 pp).
TANDEM in Michigan
- In Michigan, health place is #167 of 171 on the same NCUA-ratio sort used nationally.
- Michigan assets place: #158 of 171.
- Membership ranks #153 of 171 among Michigan CUs with a reported count (2,192 members).
- One place up in Michigan, Family First (#166) scores 64/100, 3 points higher; one place down, First Area (#168) ties at 61/100.
Quarter path for TANDEM
TANDEM: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $22.4M (2025Q4) to $22.3M (2026Q1).
- Net-worth ratio shifted +0.04 pp (16.31% → 16.35%).
16.35% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 61/100 score is built
TANDEM gives up 39 points in total. Delinquency Rate costs the most, 16.1 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.9 pts
- Return on Assets 0.0 pts
- Member Growth 12.4 pts
- Loan-to-Share Ratio 9.7 pts
Call Report ratios for TANDEM
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.35% | +1.49 pp |
| Delinquency Rate | 2.57% | +1.43 pp |
| Return on Assets | -1.02% | -1.73 pp |
| Member Growth | 2.86% | - |
| Loan-to-Share Ratio | 38.83% | -20.97 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
TANDEM filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $22.3M | - |
| 2025Q4 | $22.4M | 2,192 |
| 2024Q4 | $23.7M | 2,131 |
| 2023Q4 | $23.2M | 2,248 |
Credit Union Details
- Charter Number
- 4787
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Michigan
- City
- Warren
- Data Quarter
- 2025Q4
Branch Locations (2)
TANDEM operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Tandem Federal Credit Union (Main Office) | Warren, MI |
| Michigan First Credit Union | LATHRUP VILLAGE, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
TANDEM nationwide neighbourhoods
Using this data
- TANDEM ranks #4,020 of 4,374 nationally on financial health and #167 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- International Uaw is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with International Uaw
Frequently Asked Questions
Is TANDEM financially healthy?
On its 2025Q4 NCUA 5300 filing, TANDEM scores 61/100 (Good), with a 16.35% net worth ratio and 2.57% of loans delinquent. It ranks #4,020 of 4,374 nationally on health and #167 of 171 in Michigan.
How does TANDEM compare to other credit unions?
TANDEM scores 61/100, higher than 8% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (16.35% vs 14.86%). Its widest shortfall is loan-to-share ratio (38.83% vs 59.80%).
How can I join TANDEM?
TANDEM operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact TANDEM directly for the exact boundaries and application steps.
Is my money safe at TANDEM?
TANDEM is a federal credit union; its shares are federally 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. TANDEM's net worth ratio of 16.35% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.