BlastPoint's Credit Union Scorecard
VANTAGE TRUST
Charter #5867 · PA
VANTAGE TRUST has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Efficiency ratio 10.37% above tier (higher cost structure)
- - Delinquency rate 0.38% above tier average
- - Member decline: -3.9% YoY
- - Net Worth Ratio: Bottom 2.4% in tier
- - Indirect Auto Concentration (%): Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,188
-3.9% YoY-0.5% QoQ
|
+2.6K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Top 12.9% in tier |
| Assets |
$47.7M
+0.6% YoY-1.0% QoQ
|
+$17.8M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
76% |
| Loans |
$16.5M
-3.3% YoY-6.6% QoQ
|
+$694K |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
64% |
| Deposits |
$44.6M
+0.2% YoY-1.1% QoQ
|
+$19.2M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
79% |
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| ROA |
0.1%
-383.6% YoY-269.9% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
18% |
| NIM |
3.3%
+8.3% YoY+2.4% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
28% |
| Efficiency Ratio |
91.8%
-2.9% YoY-0.8% QoQ
|
+10.4% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
80% |
| Delinquency Rate |
1.9%
+34.7% YoY+45.5% QoQ
|
+0.4 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
78% |
| Loan To Share |
36.9%
-3.5% YoY-5.5% QoQ
|
-24.4% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
16% |
| AMR |
$11,778
+3.2% YoY-2.1% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
38% |
| CD Concentration |
1.3%
-43.3% YoY-0.7% QoQ
|
-23.1% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
11.4%
-34.9% YoY-7.1% QoQ
|
-2.6% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)