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 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.45% below tier average
- - Efficiency ratio 6.64% above tier (higher cost structure)
- - Member decline: -3.9% YoY
- - Net Worth Ratio: Bottom 2.4% in tier
- - Indirect Auto Concentration (%): Bottom 9.6% in tier
- - Loan Growth Rate: Bottom 9.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits -1.7% year over year ($44.4M in shares and deposits).
- Membership: 5,012 members, -3.9% vs a year ago.
- Delinquency rate 1.23%.
- Return on assets 0.04%.
- Efficiency ratio 95.40% vs a 88.77% peer average.
- Loan-to-share ratio 32.98% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,012
-3.9% YoY-0.7% QoQ
|
+2.4K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
Top 13.4% in tier |
| Assets |
$47.7M
-1.0% YoY-0.7% QoQ
|
+$17.4M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
76% |
| Loans |
$14.6M
-17.0% YoY-6.0% QoQ
|
$-825K |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
61% |
| Deposits |
$44.4M
-1.7% YoY-1.4% QoQ
|
+$18.6M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
78% |
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| ROA |
0.0%
-158.6% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 3.0% in tier |
| NIM |
3.3%
+2.5% YoY+3.9% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
27% |
| Efficiency Ratio |
95.4%
+3.1% YoY-2.7% QoQ
|
+6.6% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
82% |
| Delinquency Rate |
1.2%
-5.4% YoY+8.1% QoQ
|
-0.3 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
67% |
| Loan To Share |
33.0%
-15.5% YoY-4.7% QoQ
|
-25.9% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 14.3% in tier |
| AMR |
$11,773
-2.2% YoY-1.9% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
38% |
| CD Concentration |
1.3%
+3.0% YoY+8.8% QoQ
|
-23.2% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % |
8.2%
-33.2% YoY-8.2% QoQ
|
-5.5% | 13.6% | 8.4% | 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)