BlastPoint's Credit Union Scorecard

VANTAGE

Charter #67804 · MO

Mid-Market 1B-3B
302 CUs in 1B-3B nationally 3 in MO
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VANTAGE has 4 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 69.7% in tier
  • + Net Interest Margin 0.85% above tier average
  • + Share Certificate Concentration (%): Top 2.6% in tier
  • + Fee Income Per Member: Top 7.0% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 34.8% in tier
  • - Credit Quality Pressure: Bottom 36.7% in tier
  • - Credit Risk Growth: Bottom 57.7% in tier
  • - Membership Headwinds: Bottom 83.3% in tier
  • - Stagnation Risk: Bottom 88.1% in tier
  • - Indirect Auto Dependency: Bottom 93.3% in tier
  • - ROA 0.12% below tier average
  • - Efficiency ratio 7.12% above tier (higher cost structure)
  • - Net Worth Ratio: Bottom 3.3% in tier
  • - Members Per Employee (MPE): Bottom 8.6% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 68,077
-1.3% YoY-0.3% QoQ
-29.4K 97,431
-2.4% YoY
15,911
+2.9% YoY
33,374
+5.7% YoY
24%
Assets $1.1B
+2.9% YoY+0.2% QoQ
$-608.3M $1.7B
+0.9% YoY
$212.3M
+9.5% YoY
$561.6M
+9.7% YoY
Bottom 12.3% in tier
Loans $842.2M
+4.4% YoY+1.8% QoQ
$-392.3M $1.2B
+0.5% YoY
$149.4M
+8.7% YoY
$397.0M
+8.8% YoY
19%
Deposits $1.0B
+5.9% YoY-0.0% QoQ
$-454.0M $1.5B
+0.9% YoY
$185.2M
+10.6% YoY
$477.3M
+9.7% YoY
19%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.6%
+4.6% YoY-3.0% QoQ
-0.1% 0.7%
+20.9% YoY
0.7%
+53.7% YoY
0.7%
+15.9% YoY
39%
NIM 4.1%
+12.2% YoY+3.5% QoQ
+0.9% 3.3%
+9.2% YoY
3.8%
+3.0% YoY
3.8%
+5.1% YoY
Top 7.6% in tier
Efficiency Ratio 81.2%
+0.7% YoY+1.0% QoQ
+7.1% 74.1%
-9.5% YoY
77.6%
-5.0% YoY
79.7%
-3.3% YoY
79%
Delinquency Rate 0.8%
+32.8% YoY+19.9% QoQ
-0.1 0.9%
+6.2% YoY
1.3%
+20.7% YoY
1.3%
-2.1% YoY
54%
Loan To Share 83.8%
-1.4% YoY+1.9% QoQ
-1.0% 84.8%
-0.8% YoY
71.1%
-4.0% YoY
67.4%
-1.7% YoY
39%
AMR $27,139
+6.5% YoY+1.1% QoQ
$-2K $29,428
+2.4% YoY
$16,896
+3.0% YoY
$19,687
+2.0% YoY
45%
CD Concentration 11.3%
-2.5% YoY-2.6% QoQ
-17.8% 29.0% 18.2% 19.8% Bottom 2.7% in tier
Indirect Auto % 15.1%
-2.0% YoY-0.8% QoQ
-3.2% 18.3% 10.0% 7.8% 48%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#86 of 123 • Top 69.7% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.53%
(Tier: 3.31%, National: 4.00%)
better than tier avg
123 of 378 Mid-Market CUs have this signature | 662 nationally
↑ Growing +38 CUs YoY | New qualifier

Concerns (6)

Efficiency Drag

risk
#32 of 90 • Bottom 34.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.17%
(Tier: 73.53%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.02% points
(Tier: 0.12% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): -1.28%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
90 of 378 Mid-Market CUs have this signature | 633 nationally
↓ Shrinking -36 CUs YoY | Rank improving

Credit Quality Pressure

risk
#78 of 211 • Bottom 36.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.20% points
(Tier: 0.06% points, National: 0.06% points)
worse than tier avg
211 of 378 Mid-Market CUs have this signature | 969 nationally
↓ Shrinking -59 CUs YoY | Rank improving

Credit Risk Growth

risk
#95 of 164 • Bottom 57.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 4.36%
(Tier: 6.38%, National: 111.96%)
worse than tier avg
Delinquency Change (YoY): 0.20% points
(Tier: 0.06% points, National: 0.06% points)
worse than tier avg
164 of 378 Mid-Market CUs have this signature | 665 nationally
→ No prior data (164 CUs now) | New qualifier

Membership Headwinds

decline
#71 of 85 • Bottom 83.3% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.28%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
85 of 378 Mid-Market CUs have this signature | 652 nationally
→ No prior data (85 CUs now) | New qualifier

Stagnation Risk

risk
#75 of 85 • Bottom 88.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature
Member Growth (YoY): -1.28%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): 4.36%
(Tier: 6.38%, National: 111.96%)
worse than tier avg
Delinquency Rate: 0.80%
(Tier: 0.89%, National: 1.28%)
but better than tier avg
85 of 378 Mid-Market CUs have this signature | 652 nationally
→ No prior data (85 CUs now) | New qualifier

Indirect Auto Dependency

risk
#183 of 196 • Bottom 93.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 2.93%
(Tier: 6.83%, National: 3.54%)
worse than tier avg
Indirect Auto %: 15.06%
(Tier: 18.31%, National: 7.78%)
but better than tier avg
Member Growth (YoY): -1.28%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
196 of 378 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -11 CUs YoY | Rank improving

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)

Comparing against 302 peers in tier

Top Strengths (4 metrics)

9
Share Certificate Concentration (%)
balance_sheet
Value: 11.29%
Peer Median: -
#9 of 302 Top 2.6% in 1B-3B tier
22
Fee Income Per Member
profitability
Value: $333.27
Peer Median: -
#22 of 302 Top 7.0% in 1B-3B tier
23
Net Interest Margin (NIM)
profitability
Value: 4.13%
Peer Median: -
#23 of 302 Top 7.3% in 1B-3B tier
70
AMR Growth Rate
growth
Value: 6.53%
Peer Median: -
#70 of 302 Top 22.8% in 1B-3B tier

Top Weaknesses (8 metrics)

293
Net Worth Ratio
risk
Value: 8.01%
Peer Median: -
#293 of 302 Bottom 3.3% in 1B-3B tier
277
Members Per Employee (MPE)
engagement
Value: 261.835
Peer Median: -
#277 of 302 Bottom 8.6% in 1B-3B tier
265
Total Assets
balance_sheet
Value: $1.12B
Peer Median: -
#265 of 302 Bottom 12.6% in 1B-3B tier
245
Total Loans
balance_sheet
Value: $842.16M
Peer Median: -
#245 of 302 Bottom 19.2% in 1B-3B tier
244
Total Deposits
balance_sheet
Value: $1.01B
Peer Median: -
#244 of 302 Bottom 19.5% in 1B-3B tier
239
Efficiency Ratio
profitability
Value: 81.17%
Peer Median: -
#239 of 302 Bottom 21.2% in 1B-3B tier
237
Member Growth Rate
growth
Value: -1.28%
Peer Median: -
#237 of 302 Bottom 21.9% in 1B-3B tier
229
Total Members
engagement
Value: 68,077
Peer Median: -
#229 of 302 Bottom 24.5% in 1B-3B tier
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