VANTAGE WEST

Charter #68558 | AZ

3B-5B (76 CUs) Mid-Market (380 CUs)
3 3B-5B in AZ

VANTAGE WEST has 5 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 18.7% in tier
  • + Wallet Share Momentum: Top 30.3% in tier
  • + Relationship Depth Leader: Top 33.1% in tier
  • + Net Interest Margin 0.83% above tier average
  • + Strong member growth: 7.0% YoY

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 6.1% in tier
  • - Credit Quality Pressure: Bottom 10.6% in tier
  • - Indirect Auto Dependency: Bottom 15.1% in tier
  • - ROA 0.20% below tier average
  • - Delinquency rate 0.07% above tier average
  • - Net Charge-Off Rate: Bottom 6.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AZ) National Avg Tier Percentile
Members 209,351
+7.0% YoY+2.2% QoQ
 -29.1K 238,465
+0.6% YoY
 60,829
+5.9% YoY
 33,089
+6.1% YoY
 42nd in tier
Assets $3.4B
+6.7% YoY+4.5% QoQ
 $-618.8M $4.0B
-0.1% YoY
 $1.0B
+8.7% YoY
 $547.7M
+7.8% YoY
 Bottom 15.8% in tier
Loans $2.4B
+8.7% YoY+1.1% QoQ
 $-640.8M $3.0B
+3.3% YoY
 $651.1M
+13.2% YoY
 $388.7M
+8.6% YoY
 Bottom 11.8% in tier
Deposits $2.8B
+9.8% YoY+5.3% QoQ
 $-524.3M $3.3B
+1.1% YoY
 $883.8M
+10.9% YoY
 $464.6M
+9.3% YoY
 Bottom 14.5% in tier
ROA 0.5%
-41.2% YoY+22.9% QoQ
 -0.2% 0.7%
+5.3% YoY
 0.8%
+38.7% YoY
 0.7%
+273.4% YoY
 26th in tier
NIM 4.0%
+8.8% YoY-0.9% QoQ
 +0.8% 3.2%
+13.7% YoY
 4.0%
+6.6% YoY
 3.7%
+5.0% YoY
 Top 11.8% in tier
Efficiency Ratio 64.5%
+5.3% YoY-1.0% QoQ
 -6.8% 71.3%
-0.6% YoY
 75.3%
-3.3% YoY
 79.1%
-3.3% YoY
 26th in tier
Delinquency Rate 0.9%
+22.4% YoY+12.4% QoQ
 +0.1 0.8%
+15.9% YoY
 0.9%
+2.1% YoY
 1.2%
-0.9% YoY
 71st in tier
Loan To Share 84.7%
-1.0% YoY-4.0% QoQ
 -6.2% 90.8%
+2.0% YoY
 71.1%
-3.6% YoY
 68.0%
-1.7% YoY
 Bottom 23.7% in tier
AMR $24,777
+2.1% YoY+1.2% QoQ
 $-4K $29,088
+0.1% YoY
 $19,058
+3.8% YoY
 $19,418
+1.3% YoY
 29th in tier
CD Concentration 25.7%
-10.1% YoY-0.4% QoQ
 -3.3% 29.0%
+0.8% YoY
 16.8%
+14.1% YoY
 19.6%
+6.2% YoY
 36th in tier
Indirect Auto % 30.9%
-9.0% YoY-1.8% QoQ
 +12.1% 18.8%
-2.8% YoY
 23.2%
-8.0% YoY
 7.9%
-2.9% YoY
 Top 22.7% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#136 of 246 • Top 18.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.00%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.55%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 30.90%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#220 of 264 • Top 30.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.13%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#240 of 264 • Top 33.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.13%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.4K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (3)

Growth-at-Risk

risk
#35 of 161 • Bottom 6.1% in tier

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

Why This Signature
Loan Growth (YoY): 8.70%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.17% 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

Credit Quality Pressure

risk
#82 of 217 • Bottom 10.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.17% 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

Indirect Auto Dependency

risk
#94 of 202 • Bottom 15.1% in tier

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

Why This Signature
Asset Growth (YoY): 6.71%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 30.90%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 7.00%
(Tier: 3.18%, National: 9.37%)
but better 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)

Comparing against 76 peers in tier

Top Strengths (3 metrics)

9
Net Interest Margin (NIM)
profitability
Value: 4.03%
Peer Avg: 3.20%
#9 of 76 Top 10.5% in 3B-5B tier
14
Member Growth Rate
growth
Value: 7.00%
Peer Avg: 7.02%
#14 of 76 Top 17.1% in 3B-5B tier
17
Deposit Growth Rate
growth
Value: 9.77%
Peer Avg: 8.84%
#17 of 76 Top 21.1% in 3B-5B tier

Top Weaknesses (5 metrics)

72
Net Charge-Off Rate
risk
Value: 1.43%
Peer Avg: 0.64%
#72 of 76 Bottom 6.6% in 3B-5B tier
67
Total Loans
balance_sheet
Value: $2.38B
Peer Avg: $3.02B
#67 of 76 Bottom 13.2% in 3B-5B tier
65
Total Deposits
balance_sheet
Value: $2.81B
Peer Avg: $3.33B
#65 of 76 Bottom 15.8% in 3B-5B tier
64
Total Assets
balance_sheet
Value: $3.35B
Peer Avg: $3.97B
#64 of 76 Bottom 17.1% in 3B-5B tier
58
Loan-to-Share Ratio
balance_sheet
Value: 84.67%
Peer Avg: 90.85%
#58 of 76 Bottom 25.0% in 3B-5B tier