Headquartered in Warren, Michigan, Tandem Federal Credit Union is a federal credit union with $22.3M in total assets and $18.8M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1941.
Based on its Q2 2026 filing, Tandem Federal Credit Union scores 72/100, which we describe as strong. That is higher than only 44% of 2,479 credit unions with under $100 million in assets. Among 169 credit unions headquartered in Michigan, it ranks 92nd. Its strongest component is capital cushion (100/100; 16.49%), and its lowest is earnings (26/100; 0.15%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 16 points (56 → 72), mostly because the loan quality component improved by 43 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 58 |
| Q4 2024 | 57 |
| Q1 2025 | 56 |
| Q2 2025 | 56 |
| Q3 2025 | 59 |
| Q4 2025 | 58 |
| Q1 2026 | 80 |
| Q2 2026 | 72 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 16.57% |
| Q3 2024 | 16.43% |
| Q4 2024 | 15.93% |
| Q1 2025 | 15.25% |
| Q2 2025 | 15.74% |
| Q3 2025 | 16.30% |
| Q4 2025 | 16.31% |
| Q1 2026 | 16.35% |
| Q2 2026 | 16.49% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.03% |
| Q3 2024 | 2.51% |
| Q4 2024 | 2.65% |
| Q1 2025 | 2.77% |
| Q2 2025 | 2.77% |
| Q3 2025 | 2.45% |
| Q4 2025 | 2.57% |
| Q1 2026 | 0.27% |
| Q2 2026 | 1.47% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.06% |
| Q3 2024 | -1.08% |
| Q4 2024 | -0.97% |
| Q1 2025 | -1.51% |
| Q2 2025 | -0.69% |
| Q3 2025 | -0.69% |
| Q4 2025 | -0.48% |
| Q1 2026 | -0.25% |
| Q2 2026 | 0.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $22.3M | 16.49% | 1.47% | 0.15% | 39.0% |
| Q1 2026 | 80 | $22.3M | 16.35% | 0.27% | -0.25% | 39.6% |
| Q4 2025 | 58 | $22.4M | 16.31% | 2.57% | -0.48% | 38.8% |
| Q3 2025 | 59 | $22.4M | 16.30% | 2.45% | -0.69% | 37.0% |
| Q2 2025 | 56 | $23.4M | 15.74% | 2.77% | -0.69% | 36.4% |
| Q1 2025 | 56 | $24.1M | 15.25% | 2.77% | -1.51% | 36.0% |
| Q4 2024 | 57 | $23.7M | 15.93% | 2.65% | -0.97% | 38.1% |
| Q3 2024 | 58 | $23.2M | 16.43% | 2.51% | -1.08% | 39.9% |
| Q2 2024 | 62 | $23.4M | 16.57% | 2.03% | -1.06% | 39.8% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Warren Municipal Federal Credit UnionCredit union Warren, MI | 71 out of 100, Strong | $22.1M | 9.6% | 0.20% | vs |
| United Churches Credit UnionCredit union Taylor, MI | 67 out of 100, Moderate | $21.9M | 10.3% | 1.08% | vs |
| Electrical Workers Local 58 Credit UnionCredit union Detroit, MI | 90 out of 100, Very strong | $21.4M | 12.2% | 0.09% | vs |
| Blue Water Federal Credit UnionCredit union Port Huron, MI | 86 out of 100, Very strong | $20.4M | 14.4% | 0.23% | vs |
| Frankfort Community Federal Credit UnionCredit union Frankfort, MI | 69 out of 100, Moderate | $19.6M | 14.4% | 3.83% | vs |
| International Uaw Federal Credit UnionCredit union Detroit, MI | 60 out of 100, Moderate | $19.5M | 15.8% | 3.78% | vs |
Deposit insurance
Is my money safe at Tandem Federal Credit Union?
Yes. Tandem Federal Credit Union is a federally insured credit union (NCUA charter #4787). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 2.4% of shares and deposits ($449K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 16.49%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Tandem Federal Credit Union lists 1 office in 1 city. Most locations:
- Warren, MI (1)
Identity & history
Profile
- Legal name
- Tandem Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 4787
- RSSD ID
- 673570
- Primary regulator
- NCUA
- Established
- 1941
- Headquarters
- 21043 Mound Rd, Warren, MI 48091
- Employees
- 6
Quick answers
Tandem Federal Credit Union: common questions
Is Tandem Federal Credit Union NCUA insured?
Yes. Tandem Federal Credit Union is a federally insured credit union (NCUA charter #4787). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Tandem Federal Credit Union's TellerScore?
72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Tandem Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Warren
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Total Community Credit UnionCredit union Taylor, MI | 97 out of 100, Very strong | $111.3M | 15.3% | 0.36% | vs |
| JPMorgan Chase Bank, DearbornBank Dearborn, MI | 94 out of 100, Very strong | $71.5M | 99.6% | 0.00% | vs |
| I.M. Detroit District Credit UnionCredit union Detroit, MI | 93 out of 100, Very strong | $1.9M | 28.1% | 0.00% | vs |
| The Local Credit UnionCredit union Sterling Height, MI | 92 out of 100, Very strong | $106.6M | 16.1% | 0.26% | vs |
| Electrical Workers Local 58 Credit UnionCredit union Detroit, MI | 90 out of 100, Very strong | $21.4M | 12.2% | 0.09% | vs |
| Jessop Community Federal Credit UnionCredit union Washington, PA | 87 out of 100, Very strong | $34.1M | 13.8% | 0.38% | vs |