BlastPoint's Credit Union Scorecard
VANTAGE WEST
Charter #68558 · AZ
VANTAGE WEST has 2 strengths but faces 6 concerns
How does the industry compare?
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How does AZ stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.83% above tier average
- + Strong member growth: 8.1% YoY
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 22.8% in tier
- - Indirect Auto Dependency: Bottom 31.7% in tier
- - Credit Risk Growth: Bottom 34.9% in tier
- - ROA 0.16% below tier average
- - Delinquency rate 0.18% above tier average
- - Net Charge-Off Rate: Bottom 5.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
212,123
+8.1% YoY+1.3% QoQ
|
-18.2K |
230,353
-2.9% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$3.4B
+7.7% YoY-0.0% QoQ
|
$-590.5M |
$3.9B
+0.3% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$2.4B
+7.6% YoY+1.7% QoQ
|
$-516.2M |
$2.9B
-0.2% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
17% |
| Deposits |
$2.8B
+9.8% YoY+1.4% QoQ
|
$-463.3M |
$3.3B
-0.3% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
0.6%
+11.7% YoY+1.5% QoQ
|
-0.2% |
0.7%
+16.8% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
4.0%
+6.1% YoY-1.5% QoQ
|
+0.8% |
3.1%
+9.8% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
Top 7.9% in tier |
| Efficiency Ratio |
64.0%
-0.9% YoY-0.7% QoQ
|
-7.4% |
71.4%
-1.4% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate |
1.1%
+19.5% YoY+15.7% QoQ
|
+0.2 |
0.9%
+5.8% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
85.0%
-2.0% YoY+0.3% QoQ
|
-4.0% |
88.9%
-0.2% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$24,827
+0.6% YoY+0.2% QoQ
|
$-5K |
$29,682
+1.5% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
25% |
| CD Concentration |
25.0%
-9.9% YoY-2.4% QoQ
|
-4.0% | 29.0% | 17.2% | 19.8% | 34% |
| Indirect Auto % |
31.4%
-4.0% YoY+1.5% QoQ
|
+13.1% | 18.3% | 22.5% | 7.8% | 79% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)