PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Tidemark

Seaford, DE · Charter 13121

NCUA · 7 branches

Q2 2026

$468.5MAssets
$253.1MLoans
$405.0MShares
$67.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.51%, up 19 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 0.33% of loans (+4 bps YoY).
  • Capital: net worth / assets of 14.37%, up 40 bps from a year ago.
  • Funding: loans stand at 62.48% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.51%+19 bps YoY

Net Interest Margin (YTD, annualized)

2.62%+34 bps YoY

Efficiency Ratio (YTD, annualized)

77.69%-796 bps YoY

Net Worth / Assets

14.37%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.32%0.39%0.52%0.32%0.51%+19 bps
Return on Equity2.26%2.75%3.64%2.30%3.53%+127 bps
Net Interest Margin2.28%2.34%2.38%2.52%2.62%+34 bps
Efficiency Ratio85.64%83.56%80.26%82.81%77.69%-796 bps
Growth
Asset Growth (YoY)-1.42%-1.66%-0.65%1.59%1.54%+296 bps
Loan Growth (YoY)8.15%5.01%8.26%11.09%11.07%+292 bps
Share Growth (YoY)-3.02%-3.28%-1.88%-0.12%0.40%+342 bps
Asset Quality
Delinquent Loans / Loans0.28%0.41%0.54%0.45%0.33%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.98%14.21%14.29%14.13%14.37%+40 bps
Net Worth / Assets13.98%14.21%14.29%14.13%14.37%+40 bps
Liquidity & Funding
Loans / Shares56.48%58.36%60.92%61.32%62.48%+600 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps