BlastPoint's Credit Union Scorecard
VANTAGE
Charter #67804 · MO
VANTAGE has 2 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does MO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.71% above tier average
- + Share Certificate Concentration (%): Top 3.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 8.3% in tier
- - ROA 0.47% below tier average
- - Efficiency ratio 12.36% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 3.0% in tier
- - Members Per Employee (MPE): Bottom 8.3% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 3 that size in Missouri.
- Shares and deposits +4.0% year over year ($1.05B in shares and deposits).
- Membership: 68,026 members, -0.2% vs a year ago.
- Delinquency rate 0.59%.
- Return on assets 0.35%.
- Efficiency ratio 85.38% vs a 73.02% peer average.
- Loan-to-share ratio 80.28% vs a 84.71% 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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
68,026
-0.2% YoY-0.1% QoQ
|
-28.8K |
96,861
-1.9% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
23% |
| Assets |
$1.2B
+4.2% YoY+1.6% QoQ
|
$-560.4M |
$1.7B
+0.4% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
18% |
| Loans |
$846.1M
+5.5% YoY+0.5% QoQ
|
$-388.2M |
$1.2B
+0.7% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
20% |
| Deposits |
$1.1B
+4.0% YoY+1.5% QoQ
|
$-409.5M |
$1.5B
+0.5% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
26% |
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| ROA |
0.3%
+0.4% YoY
|
-0.5% |
0.8%
+27.6% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
Bottom 14.0% in tier |
| NIM |
4.1%
+6.5% YoY+1.9% QoQ
|
+0.7% |
3.4%
+6.6% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
Top 8.0% in tier |
| Efficiency Ratio |
85.4%
+0.2% YoY-5.8% QoQ
|
+12.4% |
73.0%
-2.7% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
Bottom 9.0% in tier |
| Delinquency Rate |
0.6%
-20.2% YoY-11.2% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
37% |
| Loan To Share |
80.3%
+1.5% YoY-1.0% QoQ
|
-4.4% |
84.7%
+0.1% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
32% |
| AMR |
$27,929
+4.9% YoY+1.1% QoQ
|
$-2K |
$29,575
+1.5% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
49% |
| CD Concentration |
11.9%
-2.8% YoY+6.1% QoQ
|
-17.2% | 29.1% | 18.3% | 20.0% | Bottom 3.5% in tier |
| Indirect Auto % |
14.1%
-0.5% YoY-4.3% QoQ
|
-3.9% | 18.1% | 9.9% | 7.7% | 45% |
Signature Analysis
Strengths (0)
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)