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
- RANK 61/100
- PHOTO 16.4%
- BOOK 2.57%
- CHARTER -1.02%
- NCUSIF $22.4M
- CAMELS 2,192
- HEALTH #4,020/4,374
- NW Community Spirit Credit Union
- DELQ 4787
Call Report peers
TANDEM in the assets neighbourhood
TANDEM's $22.4M assets sit next to Community Spirit Credit Union ($22.3M) 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.
TANDEM 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
61 8th percentile higher than 8% 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
TANDEM - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #4787: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
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 TANDEM
TANDEM: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.6% from $22.4M (2025Q4) to $22.3M (2026Q1).
- Net-worth ratio shifted +0.04 pp (16.31% → 16.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 61.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for TANDEM, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($22.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (61/100 here).
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
- 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 TANDEM financially healthy?
TANDEM has a financial health score of 61/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,020 of 4,374; by total assets it ranks #3,072 of 4,374 nationally (same basis as /rankings/largest); and #158 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 16.35% and delinquency rate of 2.57%.
How does TANDEM compare to other credit unions?
61/100 is TANDEM's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like TANDEM 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. TANDEM's net worth ratio of 16.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does TANDEM offer compared to banks?
Credit unions like TANDEM 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 TANDEM 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.