TellerScore

Headquartered in Seaford, Delaware, Tidemark Federal Credit Union is a federal credit union with $468.5M in total assets and $405.0M in member shares and deposits as of Q2 2026. It operates 6 offices across 2 states. Its charter dates back to 1959.

Based on its Q2 2026 filing, Tidemark Federal Credit Union scores 83/100, which we describe as strong. That is higher than 83% of 1,341 credit unions with $100 million – $1 billion. Among 15 credit unions headquartered in Delaware, it ranks 3rd. Its strongest component is funding & liquidity (98/100; 62% loans-to-deposits, 9% uninsured), and its lowest is earnings (40/100; 0.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion94/100
Net worth ratio: 14.37%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.33%
Earnings40/100
Return on assets (annualized): 0.51%
Funding & liquidity98/100
Loans ÷ shares: 62.5% · 8.5% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.23%

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 2 points (81 → 83), mostly because the earnings component improved by 7 points.

TellerScore
788183Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202479
Q4 202479
Q1 202580
Q2 202581
Q3 202581
Q4 202581
Q1 202680
Q2 202683
Net worth ratio
7.00%10.68%14.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.48%
Q3 202413.59%
Q4 202413.67%
Q1 202513.81%
Q2 202513.98%
Q3 202514.21%
Q4 202514.29%
Q1 202614.13%
Q2 202614.37%
Delinquent loans (60+ days)
0.27%0.41%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.28%
Q3 20240.30%
Q4 20240.33%
Q1 20250.27%
Q2 20250.28%
Q3 20250.41%
Q4 20250.54%
Q1 20260.45%
Q2 20260.33%
Return on assets
0.17%0.35%0.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.17%
Q3 20240.18%
Q4 20240.23%
Q1 20250.19%
Q2 20250.32%
Q3 20250.39%
Q4 20250.52%
Q1 20260.32%
Q2 20260.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$468.5M14.37%0.33%0.51%62.5%
Q1 202680$470.8M14.13%0.45%0.32%61.3%
Q4 202581$462.8M14.29%0.54%0.52%60.9%
Q3 202581$458.1M14.21%0.41%0.39%58.4%
Q2 202581$461.4M13.98%0.28%0.32%56.5%
Q1 202580$463.4M13.81%0.27%0.19%55.1%
Q4 202479$465.8M13.67%0.33%0.23%55.2%
Q3 202479$465.8M13.59%0.30%0.18%53.8%
Q2 202478$468.0M13.48%0.28%0.17%50.6%

1,341 peers · $100 million – $1 billion

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).

Capital ratio14.37%
82nd
Problem loans0.33%
80th
Net charge-offs0.29%
58th
Return on assets0.51%
31st
Loans to deposits62.5%
74th
Uninsured deposits8.5%
25th
Loan-loss reserves0.00%
50th
Texas ratio1.2%
86th

Similar-size credit unions in Delaware

InstitutionScoreAssetsCapitalProblem loansCompare
Dexsta Federal Credit UnionCredit union Wilmington, DE59 out of 100, Moderate$432.3M9.2%1.14%vs
Dover Federal Credit UnionCredit union Dover, DE52 out of 100, Below average$731.9M7.7%0.91%vs
Community Powered Federal Credit UnionCredit union Bear, DE80 out of 100, Strong$141.8M17.2%1.49%vs
Delaware State Police Federal Credit UnionCredit union Georgetown, DE67 out of 100, Moderate$138.1M11.3%1.28%vs
Del-One Federal Credit UnionCredit union Dover, DE66 out of 100, Moderate$983.2M10.8%0.63%vs

Deposit insurance

Is my money safe at Tidemark Federal Credit Union?

Yes. Tidemark Federal Credit Union is a federally insured credit union (NCUA charter #13121). 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 8.5% of shares and deposits ($34.6M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.37%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Tidemark Federal Credit Union lists 6 offices in 6 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Tidemark Federal Credit Union reported 100 home-loan applications under HMDA (LEI 5493008G8ZYIEPB4CZ17): 66 originated ($18,660,000 total), 22 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Tidemark FCU Visa Platinum11.50% – 18.00%$0—1.0%

All Tidemark Federal Credit Union card terms

Identity & history

Profile

Legal name
Tidemark Federal Credit Union
Type
Federal credit union
NCUA charter #
13121
RSSD ID
879989
Primary regulator
NCUA
Established
1959
Headquarters
1941 Bridgeville Hwy, Seaford, DE 19973
Employees
60

Quick answers

Tidemark Federal Credit Union: common questions

Is Tidemark Federal Credit Union NCUA insured?

Yes. Tidemark Federal Credit Union is a federally insured credit union (NCUA charter #13121). 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 Tidemark Federal Credit Union's TellerScore?

83 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 Tidemark Federal Credit Union have?

6 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Seaford

InstitutionScoreAssetsCapitalProblem loansCompare
County BankBank Rehoboth Beach, DE93 out of 100, Very strong$696.4M15.4%0.30%vs
Hebron Savings BankBank Hebron, MD88 out of 100, Very strong$838.8M13.4%0.08%vs
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BayVanguard BankBank Baltimore, MD80 out of 100, Strong$868.7M17.1%0.48%vs
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The Farmers Bank of WillardsBank Willards, MD76 out of 100, Strong$547.6M12.1%0.70%vs