BlastPoint's Credit Union Scorecard

VANTAGE

Charter #67804 · MO

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 3 in MO

View Mid-Market leaderboard →

VANTAGE has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 27.6% in tier
+ Net Interest Margin 0.70% above tier average
+ Share Certificate Concentration (%): Top 2.9% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 3.9% in tier
- Credit Quality Pressure: Bottom 26.1% in tier
- Credit Risk Growth: Bottom 48.9% in tier
- Stagnation Risk: Bottom 76.6% in tier
- Membership Headwinds: Bottom 76.6% in tier
- ROA 0.72% below tier average
- Efficiency ratio 15.98% above tier (higher cost structure)
- Net Worth Ratio: Bottom 2.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	68,069 -0.5% YoY-0.0% QoQ	-28.0K	96,048 -2.7% YoY	15,395 -0.3% YoY	33,913 +5.7% YoY	25%
Assets	$1.1B +3.4% YoY+2.7% QoQ	$-574.4M	$1.7B +0.4% YoY	$217.9M +8.5% YoY	$578.3M +9.0% YoY	16%
Loans	$842.0M +6.0% YoY-0.0% QoQ	$-371.7M	$1.2B +0.2% YoY	$149.6M +7.9% YoY	$402.4M +8.7% YoY	20%
Deposits	$1.0B +4.2% YoY+3.3% QoQ	$-427.0M	$1.5B +0.5% YoY	$190.9M +9.2% YoY	$494.3M +9.1% YoY	23%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.0% -95.7% YoY-100.9% QoQ	-0.7%	0.7% +27.6% YoY	-0.4% -263.3% YoY	0.4% -39.2% YoY	Bottom 3.6% in tier
NIM	4.1% +5.7% YoY-1.6% QoQ	+0.7%	3.4% +6.2% YoY	3.9% +2.8% YoY	3.8% +4.1% YoY	Top 8.5% in tier
Efficiency Ratio	90.6% -2.3% YoY+11.6% QoQ	+16.0%	74.6% -3.0% YoY	82.5% -4.9% YoY	84.6% +2.8% YoY	Bottom 3.9% in tier
Delinquency Rate	0.7% +27.7% YoY-17.9% QoQ	-0.1	0.8% +6.9% YoY	1.1% +7.9% YoY	1.2% +3.4% YoY	53%
Loan To Share	81.1% +1.7% YoY-3.2% QoQ	-2.1%	83.2% -0.4% YoY	68.7% -4.0% YoY	65.6% -1.4% YoY	37%
AMR	$27,626 +5.6% YoY+1.8% QoQ	$-2K	$29,652 +2.3% YoY	$17,151 +1.8% YoY	$19,920 +1.6% YoY	47%
CD Concentration	11.2% -4.4% YoY-0.7% QoQ	-17.6%	28.8%	18.1%	19.8%	Bottom 2.9% in tier
Indirect Auto %	14.8% +0.3% YoY-1.9% QoQ	-3.3%	18.1%	9.8%	7.7%	48%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#105 of 125 • Top 27.6% in tier

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

Why This Signature

AMR Growth (YoY): 5.55%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (5)

Efficiency Drag

risk

#5 of 100 • Bottom 3.9% in tier

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

Why This Signature

Efficiency Ratio: 90.61%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.11% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.52%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY

Credit Quality Pressure

risk

#99 of 225 • Bottom 26.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.14% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Credit Risk Growth

risk

#90 of 183 • Bottom 48.9% in tier

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

Why This Signature

Loan Growth (YoY): 6.01%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.14% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Stagnation Risk

risk

#83 of 91 • Bottom 76.6% 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): -0.52%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 6.01%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.66%

(Tier: 0.75%, National: 1.19%)

but better than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Membership Headwinds

decline

#90 of 91 • Bottom 76.6% in tier

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

Why This Signature

Member Growth (YoY): -0.52%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (3 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 11.21%

Peer Median: 27.93%

#10 of 306 Top 2.9% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.06%

Peer Median: 3.37%

#26 of 306 Top 8.2% in 1B-3B tier

Fee Income Per Member

profitability

Value: $250.67

Peer Median: $191.54

#66 of 306 Top 21.2% in 1B-3B tier

Top Weaknesses (7 metrics)

300

Net Worth Ratio

risk

Value: 7.94%

Peer Median: 10.85%

#300 of 306 Bottom 2.3% in 1B-3B tier

295

Return on Assets (ROA)

profitability

Value: -0.00%

Peer Median: 0.66%

#295 of 306 Bottom 3.9% in 1B-3B tier

295

Efficiency Ratio

profitability

Value: 90.61%

Peer Median: 75.16%

#295 of 306 Bottom 3.9% in 1B-3B tier

281

Members Per Employee (MPE)

engagement

Value: 261.804

Peer Median: 345.077

#281 of 306 Bottom 8.5% in 1B-3B tier

256

Total Assets

balance_sheet

Value: $1.15B

Peer Median: $1.51B

#256 of 306 Bottom 16.7% in 1B-3B tier

244

Total Loans

balance_sheet

Value: $841.98M

Peer Median: $1.11B

#244 of 306 Bottom 20.6% in 1B-3B tier

235

Total Deposits

balance_sheet

Value: $1.04B

Peer Median: $1.31B

#235 of 306 Bottom 23.5% in 1B-3B tier