VANTAGE
Charter #67804 | MO
1B-3B
(304 CUs)
Mid-Market
($1B-$5B)
(380 CUs)
3 1B-3B in MO
VANTAGE has 6 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 6.1% in tier
- + Wallet Share Momentum: Top 13.0% in tier
- + Emerging Performer: Top 28.2% in tier
- + Net Interest Margin 0.73% above tier average
- + Share Certificate Concentration (%): Top 3.0% in tier
- + Fee Income Per Member: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 18.2% in tier
- - Stagnation Risk: Bottom 18.4% in tier
- - Credit Quality Pressure: Bottom 19.2% in tier
- - Membership Headwinds: Bottom 22.2% in tier
- - Growth-at-Risk: Bottom 25.9% in tier
- - Indirect Auto Dependency: Bottom 31.5% in tier
- - ROA 0.12% below tier average
- - Efficiency ratio 6.41% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 2.6% in tier
- - Members Per Employee (MPE): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
68,312
-1.8% YoY+0.2% QoQ
|
-30.4K |
98,678
-1.9% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
Bottom 24.3% in tier |
| Assets |
$1.1B
-0.1% YoY-0.4% QoQ
|
$-607.1M |
$1.7B
+0.5% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.5% in tier |
| Loans |
$827.1M
+1.8% YoY+3.2% QoQ
|
$-405.9M |
$1.2B
+0.5% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
Bottom 17.1% in tier |
| Deposits |
$1.0B
+5.4% YoY-0.8% QoQ
|
$-448.6M |
$1.5B
+1.3% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 19.4% in tier |
| ROA |
0.6%
-9.1% YoY+67.1% QoQ
|
-0.1% |
0.7%
+13.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
41st in tier |
| NIM |
4.0%
+14.9% YoY+2.8% QoQ
|
+0.7% |
3.3%
+9.3% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 11.2% in tier |
| Efficiency Ratio |
80.4%
+2.6% YoY-5.6% QoQ
|
+6.4% |
74.0%
-10.9% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
75th in tier |
| Delinquency Rate |
0.7%
+12.0% YoY-8.8% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
49th in tier |
| Loan To Share |
82.2%
-3.4% YoY+4.0% QoQ
|
-3.0% |
85.2%
-0.8% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
34th in tier |
| AMR |
$26,831
+5.7% YoY+0.8% QoQ
|
$-2K |
$29,172
+2.8% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
46th in tier |
| CD Concentration |
11.6%
+2.3% YoY-5.3% QoQ
|
-17.4% |
29.0%
+0.8% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
Bottom 2.9% in tier |
| Indirect Auto % |
15.2%
-8.2% YoY+6.9% QoQ
|
-3.6% |
18.8%
-2.8% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
48th in tier |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growth
#45 of 264 • Top 6.1% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
5.71%
(Tier:
3.04%, National:
4.19%)
Share Draft per Member:
$3.6K
(Tier: $3.1K, National: $2.0K)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
New qualifier
Wallet Share Momentum
growth
#95 of 264 • Top 13.0% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
5.71%
(Tier:
3.04%, National:
4.19%)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
New qualifier
Emerging Performer
growth
#150 of 184 • Top 28.2% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.58%
(Tier:
0.71%, National:
0.71%)
Member Growth (YoY):
-1.84%
(Tier:
3.18%, National:
9.37%)
184 of 380 Mid-Market CUs have this signature
| 852 nationally
↑ Growing
+18 CUs YoY
|
Rank worsening
Concerns (6)
Efficiency Drag
risk
#61 of 96 • Bottom 18.2% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
80.38%
(Tier:
73.45%, National:
79.10%)
ROA Change (YoY):
-0.06% points
(Tier:
0.07% points, National:
0.05% points)
Member Growth (YoY):
-1.84%
(Tier:
3.18%, National:
9.37%)
96 of 380 Mid-Market CUs have this signature
| 624 nationally
↓ Shrinking
-32 CUs YoY
|
New qualifier
Stagnation Risk
risk
#45 of 85 • Bottom 18.4% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.58%
(Tier:
0.71%, National:
0.71%)
Member Growth (YoY):
-1.84%
(Tier:
3.18%, National:
9.37%)
Avg Member Relationship:
$26.8K
(Tier: $29.2K, National: $19.4K)
CD Concentration:
11.58%
(Tier:
28.98%, National:
19.60%)
85 of 380 Mid-Market CUs have this signature
| 648 nationally
↑ Growing
+6 CUs YoY
|
Rank worsening
Credit Quality Pressure
risk
#148 of 217 • Bottom 19.2% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.07% points
(Tier:
0.07% points, National:
0.07% points)
217 of 380 Mid-Market CUs have this signature
| 1002 nationally
↓ Shrinking
-70 CUs YoY
|
Rank improving
Membership Headwinds
decline
#54 of 85 • Bottom 22.2% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-1.84%
(Tier:
3.18%, National:
9.37%)
85 of 380 Mid-Market CUs have this signature
| 648 nationally
↑ Growing
+6 CUs YoY
|
Rank worsening
Growth-at-Risk
risk
#145 of 161 • Bottom 25.9% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
1.81%
(Tier:
6.14%, National:
36.38%)
Delinquency Change (YoY):
0.07% points
(Tier:
0.07% points, National:
0.07% points)
161 of 380 Mid-Market CUs have this signature
| 646 nationally
↓ Shrinking
-30 CUs YoY
|
Rank improving
Indirect Auto Dependency
risk
#195 of 202 • Bottom 31.5% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
-0.07%
(Tier:
5.36%, National:
3.04%)
Indirect Auto %:
15.18%
(Tier:
18.80%, National:
7.90%)
Member Growth (YoY):
-1.84%
(Tier:
3.18%, National:
9.37%)
202 of 380 Mid-Market CUs have this signature
| 768 nationally
↓ Shrinking
-7 CUs YoY
|
Rank worsening
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)
Top Strengths (4 metrics)
10
Share Certificate Concentration (%)
balance_sheet
Value:
11.58%
Peer Avg: 28.53%
#10 of 304
Top 3.0% in 1B-3B tier
15
Fee Income Per Member
profitability
Value:
$355.42
Peer Avg: $210.52
#15 of 304
Top 4.6% in 1B-3B tier
34
Net Interest Margin (NIM)
profitability
Value:
3.99%
Peer Avg: 3.26%
#34 of 304
Top 10.9% in 1B-3B tier
77
AMR Growth Rate
growth
Value:
5.71%
Peer Avg: 3.29%
#77 of 304
Top 25.0% in 1B-3B tier
Top Weaknesses (8 metrics)
297
Net Worth Ratio
risk
Value:
7.97%
Peer Avg: 11.44%
#297 of 304
Bottom 2.6% in 1B-3B tier
275
Members Per Employee (MPE)
engagement
Value:
271.079
Peer Avg: 364.953
#275 of 304
Bottom 9.9% in 1B-3B tier
266
Total Assets
balance_sheet
Value:
$1.11B
Peer Avg: $1.72B
#266 of 304
Bottom 12.8% in 1B-3B tier
253
Member Growth Rate
growth
Value:
-1.84%
Peer Avg: 2.20%
#253 of 304
Bottom 17.1% in 1B-3B tier
252
Total Loans
balance_sheet
Value:
$827.13M
Peer Avg: $1.23B
#252 of 304
Bottom 17.4% in 1B-3B tier
249
Asset Growth Rate
growth
Value:
-0.07%
Peer Avg: 4.83%
#249 of 304
Bottom 18.4% in 1B-3B tier
245
Total Deposits
balance_sheet
Value:
$1.01B
Peer Avg: $1.45B
#245 of 304
Bottom 19.7% in 1B-3B tier
230
Total Members
engagement
Value:
68,312
Peer Avg: 98,678
#230 of 304
Bottom 24.7% in 1B-3B tier