# TIDEMARK
Seaford, DE · NCUA charter 13121 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/tidemark-13121

Who the members are: federal charter, community charter, organized 1959, low-income designated. 22,105 members of 599,897 potential (3.7% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 28.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $470.8M |
| Members | 22,105 (0.9% YoY) |
| Full-time staff | 59 |
| Net worth | $66.5M |
| Net worth ratio | 14.1% (p84 of band) |
| ROA (annualized) | 0.32% (p23 of band) |
| Total delinquency | 0.45% (p37 of band) |
| Net charge-offs (annualized) | 0.32% (p44 of band) |
| Loans / shares | 61% (p24 of band) |
| Cash / assets | 6.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.52% (p5 of band) |
| Operating expense / assets | 2.37% (p9 of band) |
| Vehicles % of loans | 21% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 78% |
| Third-party paper % of net worth | 63% (p45 of band) |
| Vehicle delinquency | 0.85% (p68 of band) |
| Vehicle NCO | 1.14% (p75 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 65% |
| Core shares % of member funds | 30% |
| Certificates % of member funds | 33% |
| Average share balance | $9,179 |
| Participations bought / yr | $22.5M |
| Participations sold / yr | $0 |
| Participations outstanding | $31.5M |
| Loans outstanding per 100 members | 28% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $40,770 |
| Loans granted, annualized | $79.6M |

## Participation posture (from the same filings)

Bought $22.5M and sold $0 in the latest annualized quarter; $31.5M outstanding purchased (47.3% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -0.1% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | delinquency rising |  |
| 2017-06 | 2 | delinquency 2x band |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | charge-offs p90 |  |
| 2018-06 | 3 | net worth falling | delinquency rising |
| 2018-09 | 1 |  | delinquency 2x band, net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | charge-offs p90 |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | delinquency rising |  |
| 2021-12 | 1 |  | margin squeeze, delinquency rising |
| 2022-03 | 0 |  | net worth falling |
| 2022-06 | 1 | delinquency rising |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 1 |  | assets shrinking |
| 2023-09 | 0 |  | delinquency rising |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-11-06 [Del-One opens 12th branch in Lewes - Delaware Business Times](https://news.google.com/rss/articles/CBMia0FVX3lxTE1vOW5tV2VkNGNLekVrNkVCSG9MRlRJcHhFYTh3cmpBNFoxTjJoTFBHNlc2V01sSVZWN0dfMHJidzNGZ0F5STFRMUszc0RKM3IzWXU4OFhOU1N2QUdlZVUzV1ZlblRIM3FObndZ0gFzQVVfeXFMUEg5a05XQ1RNc0pnOUpGSDl2WlA3LUJPblJoTUJlV1ctSWZPTFhDUjd6Z2oxMWllcDVYU0lsM1Q2T3p1eWRjV0ZLdG40X1dhOUVmS3luclkxVUhJLTlPTDdrczh5TDdsMXh3X3lza1VkMW0waw?oc=5) · Delaware Business Times
- 2023-12-22 [$1.075 Million in Grants Announced to Support Homeless Services in Delaware - State of Delaware News (.gov)](https://news.google.com/rss/articles/CBMitAFBVV95cUxNLU50czBmVFVHdTVVdU8xalAwR0R2Nlc0cEFDVXhnMXpVQmpybDZKX0hjWjBnS3ZlVFZWLTJiODl4WHNUR1o4cGo2Z0tfSVR2aUdhZ2k3ZHFXU0lrZm1VNU8wQy00QkxUTTVaUl9BeVk1a1dtNHQwalNkbU1ia1pFSEd1NThTdmJyN2pncnliVlRzcF9reGJsSWhuMV9XNVlxNm5CRi1pZldzc2k2QldFam03MC0?oc=5) · State of Delaware News (.gov)
- 2020-04-26 [Capt. Allen Eugene Riley, ret. DSP's Obituary, Visitation & Funeral Information - Parsell Funeral Homes & Crematorium](https://news.google.com/rss/articles/CBMihwFBVV95cUxOWVcxOV9CZ1prVzVFWURIQzZOSTdvVHFXQjlEdnhiU0hZRVViRVp4N1BYNy1paEJlSzVtM2VKM3ZreG1lSjFLUEFodTFqbTdfV2tGVTVaTEFZS2VMblFJaUZ3OHFMdkVtdndLWWo5TnA4WXhGWmItcDk2Z2NaUjlRUXlZNVluTmM?oc=5) · Parsell Funeral Homes & Crematorium
- 2019-08-04 [Kathryn "Kaity" Elizabeth Mulford West's Obituary, Visitation & Funeral Information - Watson Funeral Home & Crematorium](https://news.google.com/rss/articles/CBMicEFVX3lxTE9INDBnNjFxSVNieDJhM3VnSDhIaFl2S1pnNWtpYjhyempVZUVKcVpGWC1ReHpGdjVPZmNzWkcxemlSM2NHcVRHU295NkF5NUpuZ2pBVFlBVWJrcHRpVlJhWTZyS0dJdnZEUnJ2b2hOb1E?oc=5) · Watson Funeral Home & Crematorium
- 2022-03-22 [Look Who’s Cooking raises $20,000 for Sussex Habitat - Cape Gazette](https://news.google.com/rss/articles/CBMingFBVV95cUxQQTBOT1RWb3BvMnJMMWZmbmkxUWFCOVhrMFBhUlZPd2VQUlJrRGotYnZiVm1IclpheHZHdjMwaU9GVmtCWTgxUjZvOXJ1OUNnMFhCajQ4cndTeHg1VkRmWGIzNVJ6Q0xvbEJUVl8tWkVydEJEWXNoMGZkVUhONUlmRnd5em1mTVFLTFF1dXJvWnRUQ1lGY205dGZvbVF3dw?oc=5) · Cape Gazette
- 2022-04-11 [Delaware Resorts Spring Home Expo celebrates 25 years - Cape Gazette](https://news.google.com/rss/articles/CBMinAFBVV95cUxQV214X0JYXy1SZ0VKV3JGSGVSZFdqWGhnUWpQNjFOOHpodkk3MFcxa1BxZHFwQXZ3Mm1kNEs1UTFxVEZWWTJ5R2lVMFdzNm1NTDZ1RlE0WDBid20xeXFOSV9DSDA2Ym5Cem9wREZUbDdOdHpuazgxR2tGWTBwVmVIRVJocjhmWHJ5VkpoNzV1aGxyUXFULVJ1YWl4M0Y?oc=5) · Cape Gazette
- 2017-05-21 [Joshua Littleton Obituary (1979 - 2017) - Seaford, DE - The News Journal - legacy.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOamZwWG1CU2xQbG5qV3hOS3Y1M2llbVlBNEp0TGdJbUhPZVZPRVZWcnlwOUd1Nk0xT2VJajFCRkh4ZnJiZEpZczlmd0ozRWZnMjRkWGg1YUlVOE9fb1dscUtyUjR5TUQ4alV2TFJLdUM1bm92Z3lfMEpYUVBiZFNEU3lTQXlnc2RnQmdsbGNsczcyOWdKQVBZVw?oc=5) · legacy.com
- 2022-11-14 [Lefty’s Alley & Eats hosts Strike Out Parkinson’s fundraiser - Cape Gazette](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOSW9oSjBhMHo4WV9COXYyQXlyNDc1ck1LaEtzdWgyTThsVGw5U0c3Yl8zRjBwQU80cnZnaFBXTG5TYnhuNUQ5VE9iYm9qaHNTQmxtemJXZUhOeFhobzgwcGhoSVFfOTV2UW9RRnczSFBGVEd5U0dPWXZrNkIwMlRxSDRHSTBwRmFnN2tSeFN0YjE2MW1Cc0dudWVYSDd6MGs4OGpGaUROT1lrbTAwdzZILTZRdFI1bXhW?oc=5) · Cape Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13121 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/1.json (key "13121", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=13121
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide