Skip to main content

Credit union call report ยท Warren, MI

Tandem Federal Credit Union Call Report

BankRegReports is independent of Tandem Federal Credit Union and never asks for online banking logins or passwords.

Tandem Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 238 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Tandem Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number4787
Federal Reserve RSSD ID673570

The official copy: search charter number 4787 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Tandem Federal Credit Union call report, Q2 2026

Statement of Financial Condition (30 items)
Tandem Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $567K
1c. Total Cash on Hand 730A $567K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $1.3M
2c. Cash on Deposit in Other Financial Institutions 730B2 $12K
2. Cash on Deposit (total) 730B $1.3M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $1.9M
8. Available-for-Sale Debt Securities AS0067 $12.0M
11. TOTAL INVESTMENT SECURITIES AS0013 $12.0M
12b. Perpetual Contributed Capital 769B $122K
12c. All Other Investments AS0016 $240K
13. TOTAL OTHER INVESTMENTS AS0017 $362K
15a. Number of Total Loans and Leases 025A 860
15b. Total Loans and Leases 025B $7.3M
17. ACL on Loans and Leases AS0048 $48K
19. Land and Building 007 $123K
20. Other Fixed Assets 008 $86K
21. NCUA Share Insurance Capitalization Deposit 794 $189K
22d. Accrued Interest on Loans 009A $10K
22e. Accrued Interest on Investments 009B $23K
22f. All Other Assets 009C $215K
22g. Total Other Assets AS0036 $249K
23. TOTAL ASSETS 010 $22.3M
Accounts Payable and Other Liabilities 825 $12K
Accrued Dividends and Interest Payable 820A $13K
Member Shares of All Types 013 $18.8M
Total Shares and Deposits 018 $18.8M
Undivided Earnings 940 $3.7M
Total Net Worth 997 $3.7M
Net Worth Ratio 998 16.49%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $22.3M
Statement of Income and Expense (22 items)
Tandem Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $247K
3. Income from Investments 120 $145K
5. TOTAL INTEREST INCOME 115 $392K
6. Dividends on Shares 380 $41K
9. TOTAL INTEREST EXPENSE 350 $41K
10. NET INTEREST INCOME IS0010 $351K
12a. Credit Loss Expense - Loans and Leases IS0011 $33K
12e. Total Credit Loss Expense IS0017 $33K
13. Fee Income 131 $108K
14. Other Operating Income IS0020 $57K
23. TOTAL NON-INTEREST INCOME 117 $164K
24. Employee Compensation and Benefits 210 $181K
25. Travel and Conference 230 $4K
26. Office Occupancy 250 $46K
27. Office Operations 260 $154K
28. Educational and Promotional 270 $1K
29. Loan Servicing 280 $39K
30. Professional and Outside Services 290 $35K
32. Operating Fees 320 $2K
33. Miscellaneous Operating Expense 360 $3K
34. TOTAL NON-INTEREST EXPENSE 671 $466K
35. NET INCOME 661A $16K
Statement pages - all other filed accounts (20 items)

delinquency (21%), credit cards (21%)

Tandem Federal Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $43K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $72K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $2K
Loans Granted Year-to-Date 031A $340
Amount of Loans Granted Year-to-Date 031B $1.3M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $108K
Number of current members (not number of accounts) 083 2,235
Number of potential members 084 235,282
Interest Rate of Unsecured Credit Card Loans 521 1,100.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,370.00%
Interest Rate of New Vehicle Loans 523 567.00%
Interest Rate of Used Vehicle Loans 524 685.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $46K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $17K
Amount of Regular Shares 657 $14.3M
Amount of Share Drafts 902 $2.2M
IRA/KEOGH Accounts - < 1 Year 906A $361K
Share Certificates - < 1 Year 908A $1.4M
Total Amount of Share Certificates 908C $2.0M
Number of Used Vehicle Loans 968 133
NCUA data file FS220A (24 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Tandem Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $18.2M
Total Shares - 1-3 Years 013B1 $475K
Total Shares - > 3 Years 013B2 $112K
Total Shares and Deposits - < 1 Year 018A $18.2M
Total Shares and Deposits - 1-3 Years 018B1 $475K
Total Shares and Deposits - > 3 Years 018B2 $112K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 4
Amount of Delinquent Indirect Loans 041E $66K
Effective date of last audit 063 $62K
Amount of Used Vehicle Loans 370 $2.0M
Amount of New Vehicle Loans 385 $833K
Amount of Unsecured Credit Card Loans 396 $419K
Amount of All Other Unsecured Loans/Lines of Credit 397 $616K
Share Certificates 451 $56
Number of Accounts for Share Drafts 452 868
IRA/KEOGH Accounts 453 $31
Number of Accounts for Regular Shares 454 2,061
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 3,016
Number of credit union employees who are Full-Time (26 hours or more) 564A 6
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $98K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,655.00%
Number of Outstanding Indirect Loans 617A 30
Total Amount of Outstanding Indirect Loans 618A $3.2M
Total credit lines 881 $2.4M
NCUA data file FS220B (17 items)

maturity and repricing buckets (40%), credit cards (17%)

Tandem Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $449K
Total Uninsured Shares and Deposits > $250K (F+J) 068A $449K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $18.4M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
Amount of Regular Shares - < 1 Year 657A $14.3M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $10K
Amount of Share Drafts - < 1 Year 902A $2.2M
Total Amount of IRA/KEOGH Accounts 906C $361K
Share Certificates - 1-3 Years 908B1 $475K
Share Certificates - > 3 Years 908B2 $112K
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $32K
Number of New Vehicle Loans 958 27
Total Shares 966 $3K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $168K
Number of Unsecured Credit Card Loans 993 320
Number of All Other Unsecured Loans/Lines of Credit 994 274
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 5
NCUA data file FS220C (3 items)

charge-offs and recoveries (27%), participation loans (18%)

Tandem Federal Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $1
Number of credit union branches (include the main office if member services are conducted at that location) 566 2
Outstanding balance of brokered certificates of deposit and share certificates 788 $12.3M
NCUA data file FS220D (19 items)

member services and products offered (69%), CUSO relationships (27%)

Tandem Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
No Cost Bill Payer 879C2 $1
Brokered Certificates of Deposits 879N $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $1
Loan Payments 887F $1
Bill Payment 887J $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
CU offer Shared service network PP0058 $1
NCUA data file FS220G (1 item)

loans and leases (32%), participation loans (18%)

Tandem Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Credit Lines at Corporate Credit Unions 884 $2.0M
NCUA data file FS220H (1 item)

student loans (43%), delinquency (27%)

Tandem Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $1.2M
NCUA data file FS220I (6 items)

vehicle lending (59%), delinquency (44%)

Tandem Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Number of Reportable Delinquent Used Vehicle Loans 035E2 1
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $27K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $23K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $12K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $15K
Total Other Credit Lines 884D $350K
NCUA data file FS220L (8 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Tandem Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $860
Total Amount of Loans & Leases on Loan Schedule 025B1 $7.3M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $312K
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 600.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 600.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 1,500.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $243K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $2.9M
NCUA data file FS220M (8 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Tandem Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $708K
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $63K
Total Other Unfunded Commitments (Non-Commercial) 816B5 $261K
Total Unfunded Commitments for Non-Commercial Loans 816T $1.2M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $133K
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 24
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 6
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 76
NCUA data file FS220N (8 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Tandem Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $4.4M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $6.8M
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $837K
Available-for-sale Debt Securities >5 and <= 10 Years AS0065 $1K
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$270K
Total Liabilities LI0069 $18.9M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $29K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $22.3M
NCUA data file FS220P (16 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Tandem Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $12K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $5K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $484
All Other Unsecured Loans/Lines of Credit DL0023 $9K
All Other Unsecured Loans/Lines of Credit DL0024 $6K
All Other Unsecured Loans/Lines of Credit DL0027 $15K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $2
Used Vehicle Loans DL0037 $27K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $41K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $66K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0069 $66K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0070 $1
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $36K
Amount of Consumer Loans in Non-Accrual Status DL0145 $6K
Number of Indirect Loans - First Lien and Junio Lien Residential Loans IN0003 30
Amount of Indirect Loans - First Lien and Junio Lien Residential Loans IN0004 $3.2M
NCUA data file FS220Q (24 items)

investment portfolio detail (69%)

Tandem Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0015 $1K
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0016 $1K
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $1K
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $1K
Available-for-sale Amortized Cost - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0075 $12.3M
Available-for-sale Fair Value - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0076 $12.0M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $12.3M
Total Fair Value Available-for-Sale Debt Securities NV0084 $12.0M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $12.0M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year NV0141 $240K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $122K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $362K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $4.7M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $6.8M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $837K
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $1K
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $122K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $12.4M
RBC Total Equity RB0001 $3.7M
RBC Allowance for Credit Losses RB0002 $48K
RBC Total Additions RB0005 $48K
RBC Total Deductions RB0009 $189K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $3.5M
RBC Risk-Based Capital Numerator RB0012 $3.5M
NCUA data file FS220R (31 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Tandem Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $12.4M
RBC Schedule Total Consumer Loans RB0060 $4.1M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $48K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $48K
RBC Schedule Total Loans RB0079 $7.3M
RBC Total for Risk Weighting Total Loans RB0081 -$48K
RBC Total Loans 0% Weight RB0082 -$48K
RBC Schedule Total Other Assets RB0088 $646K
RBC Total for Risk Weighting Other Assets RB0090 $189K
RBC Other Assets 0% Weight RB0091 $189K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $22.3M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $140K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $140K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $22.3M
RBC Allowance for Credit Losses (Loans) RB0177 $48K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 16.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 2,484,123.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 812,250.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 8.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 424,295.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 115,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $2.9M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $927K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 6.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 311,906.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $312K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $30
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $3.2M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $927K
Total Shares SH0013 $18.8M
Total Shares and Deposits SH0018 $18.8M

Tandem Federal Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Tandem Federal Credit Union call report?

The Tandem Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Tandem Federal Credit Union file?

Tandem Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Tandem Federal Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Tandem Federal Credit Union is 4787.

How often does Tandem Federal Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Tandem Federal Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.