BlastPoint's Credit Union Scorecard
VANTAGE TRUST
Charter #5867 · PA
VANTAGE TRUST has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Efficiency ratio 10.41% above tier (higher cost structure)
- - Member decline: -4.3% YoY
- - Net Worth Ratio: Bottom 2.5% in tier
- - Indirect Auto Concentration (%): Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,133
-4.3% YoY-1.1% QoQ
|
+2.5K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 12.9% in tier |
| Assets |
$47.2M
-0.8% YoY-1.0% QoQ
|
+$17.1M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$15.0M
-9.6% YoY-8.7% QoQ
|
$-737K |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
61% |
| Deposits |
$44.2M
-0.9% YoY-1.0% QoQ
|
+$18.5M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
0.1%
+118.4% YoY-8.0% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
3.3%
+8.4% YoY+0.7% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
29% |
| Efficiency Ratio |
93.0%
-1.4% YoY+1.3% QoQ
|
+10.4% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
1.4%
-22.2% YoY-28.4% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
34.0%
-8.7% YoY-7.8% QoQ
|
-26.6% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.5% in tier |
| AMR |
$11,535
+1.0% YoY-2.1% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
1.1%
-40.4% YoY-12.2% QoQ
|
-23.3% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
10.8%
-33.9% YoY-5.2% QoQ
|
-3.0% | 13.8% | 8.1% | 7.8% | 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)