Federal credit union · Seaford, Delaware · NCUA charter #13121
TIDEMARK
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $462.8M
- Total assets
- 22,105
- Members
- 14.1%
- Net-worth ratio
TIDEMARK scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $462.8M; members 22,105; net-worth ratio 14.13%; health rank #1,429 of 4,374; healthier than 65th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,429 of 4,374 health · 2025Q4TIDEMARK · health 88/100 · $462.8M · 2025Q4
Call Report peers
TIDEMARK in the assets neighbourhood
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TIDEMARK vs every NCUA-scored credit union
TIDEMARK sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
TIDEMARK: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +2.02 pp (14.13% vs 12.11%).
- Loan-to-Share Ratio trails the peer set - 60.92% here, 72.20% peer average (-11.28 pp).
TIDEMARK in Delaware
- Health composite ranks #3 of 15 among scored Delaware credit unions.
- By total assets, TIDEMARK is #3 of 15 in Delaware.
- Member book place in Delaware: #4 of 15.
- One place up in Delaware, Community Powered (#2) scores 91/100, 3 points higher; one place down, New Castle County Delaware Em (#4) scores 86/100, 2 points lower.
TIDEMARK Call Report trajectory
TIDEMARK: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $462.8M (2025Q4) to $470.8M (2026Q1).
- Net-worth ratio shifted -0.16 pp (14.29% → 14.13%).
At 14.13%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
TIDEMARK gives up 12 points in total. Member Growth costs the most, 5.6 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.6 pts
- Return on Assets 11.0 pts
- Member Growth 9.4 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for TIDEMARK
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.13% | +2.02 pp |
| Delinquency Rate | 0.54% | -0.36 pp |
| Return on Assets | 0.23% | -0.39 pp |
| Member Growth | 0.29% | - |
| Loan-to-Share Ratio | 60.92% | -11.28 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
TIDEMARK quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $470.8M | - |
| 2025Q4 | $462.8M | 22,105 |
| 2024Q4 | $465.8M | 22,040 |
| 2023Q4 | $468.8M | 21,064 |
Credit Union Details
- Charter Number
- 13121
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Delaware
- City
- Seaford
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for TIDEMARK, spread across 6 cities in 2 states.
| Office | City |
|---|---|
| Tidemark Federal Credit Union (Main Office) | Seaford, DE |
| Tidemark Federal Credit Union | Lewes, DE |
| Tidemark Federal Credit Union | Milford, DE |
| Tidemark Federal Credit Union | Millsboro, DE |
| Tidemark Federal Credit Union | Millsboro, DE |
| Tidemark Federal Credit Union | Salisbury, MD |
| Tidemark Federal Credit Union | Selbyville, DE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Delaware
Other federally-insured credit unions in Delaware, closest first by peer group and asset size.
TIDEMARK nationwide neighbourhoods
Using this data
- TIDEMARK ranks #1,429 of 4,374 nationally on financial health and #3 of 15 in DE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DEXSTA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DEXSTA
Frequently Asked Questions
Is TIDEMARK financially healthy?
TIDEMARK has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,429 of 4,374 nationally on health and #3 of 15 in Delaware. Its net worth ratio is 14.13% and its delinquency rate 0.54%.
How does TIDEMARK compare to other credit unions?
TIDEMARK scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (14.13% vs 12.11%). Its widest shortfall is loan-to-share ratio (60.92% vs 72.20%).
How can I join TIDEMARK?
TIDEMARK 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 TIDEMARK directly for the exact boundaries and application steps.
Is my money safe at TIDEMARK?
TIDEMARK 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. TIDEMARK's net worth ratio of 14.13% 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.