BlastPoint's Credit Union Scorecard

VANTAGE

Charter #67804 · MO

Mid-Market 1B-3B

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

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VANTAGE has 4 strengths but faces 10 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 81.7% 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
- Credit Risk Growth: 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	24%
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	17%
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	19%

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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	0.6% -9.1% YoY+67.1% QoQ	-0.1%	0.7% +13.4% YoY	0.6% +117.2% YoY	0.7% +273.4% YoY	41%
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	75%
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	49%
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	34%
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	46%
CD Concentration	11.6% +2.3% YoY-5.3% QoQ	-17.4%	29.0% +0.7% 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% -3.0% YoY	10.3% -9.1% YoY	7.9% -2.9% YoY	48%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#95 of 116 • Top 81.7% in tier

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

Why This Signature

AMR Growth (YoY): 5.71%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

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: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.06% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -1.84%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

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 declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.84%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 1.81%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.67%

(Tier: 0.83%, National: 1.23%)

but better than tier avg

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)

worse than tier avg

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%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | Rank worsening

Credit Risk Growth

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%)

worse than tier avg

Delinquency Change (YoY): 0.07% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

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%)

worse than tier avg

Indirect Auto %: 15.18%

(Tier: 18.77%, National: 7.90%)

but better than tier avg

Member Growth (YoY): -1.84%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (4 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 11.58%

Peer Avg: -

#10 of 304 Top 3.0% in 1B-3B tier

Fee Income Per Member

profitability

Value: $355.42

Peer Avg: -

#15 of 304 Top 4.6% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.99%

Peer Avg: -

#34 of 304 Top 10.9% in 1B-3B tier

AMR Growth Rate

growth

Value: 5.71%

Peer Avg: -

#77 of 304 Top 25.0% in 1B-3B tier

Top Weaknesses (8 metrics)

297

Net Worth Ratio

risk

Value: 7.97%

Peer Avg: -

#297 of 304 Bottom 2.6% in 1B-3B tier

275

Members Per Employee (MPE)

engagement

Value: 271.079

Peer Avg: -

#275 of 304 Bottom 9.9% in 1B-3B tier

266

Total Assets

balance_sheet

Value: $1.11B

Peer Avg: -

#266 of 304 Bottom 12.8% in 1B-3B tier

253

Member Growth Rate

growth

Value: -1.84%

Peer Avg: -

#253 of 304 Bottom 17.1% in 1B-3B tier

252

Total Loans

balance_sheet

Value: $827.13M

Peer Avg: -

#252 of 304 Bottom 17.4% in 1B-3B tier

249

Asset Growth Rate

growth

Value: -0.07%

Peer Avg: -

#249 of 304 Bottom 18.4% in 1B-3B tier

245

Total Deposits

balance_sheet

Value: $1.01B

Peer Avg: -

#245 of 304 Bottom 19.7% in 1B-3B tier

230

Total Members

engagement

Value: 68,312

Peer Avg: -

#230 of 304 Bottom 24.7% in 1B-3B tier