BlastPoint's Credit Union Scorecard
VANTAGE
Charter #67804 · MO
VANTAGE has 4 strengths but faces 10 concerns
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How does MO stack up?
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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| 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
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)