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 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Efficiency ratio 7.44% above tier (higher cost structure)
- - Member decline: -4.9% YoY
- - Net Worth Ratio: Bottom 2.5% in tier
- - Loan Growth Rate: Bottom 8.4% in tier
- - Indirect Auto Concentration (%): Bottom 9.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,048
-4.9% YoY-1.7% QoQ
|
+2.4K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Top 13.0% in tier |
| Assets |
$48.0M
-1.5% YoY+1.7% QoQ
|
+$17.8M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
76% |
| Loans |
$15.6M
-17.9% YoY+3.6% QoQ
|
+$282K |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
63% |
| Deposits |
$45.0M
-1.8% YoY+1.8% QoQ
|
+$19.2M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
79% |
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| ROA |
-0.1%
-72.6% YoY-242.0% QoQ
|
-0.2% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
20% |
| NIM |
3.2%
+3.1% YoY-4.4% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
24% |
| Efficiency Ratio |
98.1%
+2.4% YoY+5.5% QoQ
|
+7.4% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
82% |
| Delinquency Rate |
1.1%
-20.9% YoY-16.0% QoQ
|
-0.4 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
67% |
| Loan To Share |
34.6%
-16.4% YoY+1.7% QoQ
|
-23.9% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
16% |
| AMR |
$11,997
-1.7% YoY+4.0% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
39% |
| CD Concentration |
1.2%
-5.6% YoY+8.5% QoQ
|
-23.0% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % |
8.9%
-30.1% YoY-17.3% QoQ
|
-4.9% | 13.8% | 8.3% | 7.7% | 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)