BlastPoint's Credit Union Scorecard
VANTAGE WEST
Charter #68558 · AZ
VANTAGE WEST has 3 strengths but faces 5 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 1.00% above tier average
- + Strong member growth: 7.1% YoY
- + Efficiency Ratio: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 69.2% in tier
- - Shrinking Wallet Share: Bottom 79.2% in tier
- - ROA 0.08% below tier average
- - Delinquency rate 0.10% above tier average
- - Net Charge-Off Rate: Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
214,956
+7.1% YoY+1.3% QoQ
|
-5.5K |
220,435
-7.6% YoY
|
61,699
+4.0% YoY
|
33,913
+5.7% YoY
|
54% |
| Assets |
$3.3B
+3.2% YoY-1.5% QoQ
|
$-616.5M |
$3.9B
-1.5% YoY
|
$1.1B
+9.9% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$2.5B
+6.7% YoY+1.9% QoQ
|
$-429.1M |
$2.9B
-1.1% YoY
|
$678.0M
+10.6% YoY
|
$402.4M
+8.7% YoY
|
20% |
| Deposits |
$2.8B
+6.4% YoY-0.2% QoQ
|
$-456.7M |
$3.3B
-2.5% YoY
|
$945.2M
+9.4% YoY
|
$494.3M
+9.1% YoY
|
24% |
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| ROA |
0.7%
+17.5% QoQ
|
-0.1% |
0.7%
+10.6% YoY
|
0.7%
+1.0% YoY
|
0.4%
-39.2% YoY
|
40% |
| NIM |
4.2%
+2.9% YoY+5.9% QoQ
|
+1.0% |
3.2%
+4.6% YoY
|
3.9%
+0.5% YoY
|
3.8%
+4.1% YoY
|
Top 6.4% in tier |
| Efficiency Ratio |
60.4%
-11.6% YoY-5.7% QoQ
|
-10.9% |
71.3%
-2.6% YoY
|
76.9%
-1.0% YoY
|
84.6%
+2.8% YoY
|
Top 9.0% in tier |
| Delinquency Rate |
0.8%
-10.0% YoY-20.1% QoQ
|
+0.1 |
0.7%
+9.2% YoY
|
0.8%
+8.3% YoY
|
1.2%
+3.4% YoY
|
70% |
| Loan To Share |
86.7%
+0.2% YoY+2.1% QoQ
|
-1.3% |
88.0%
+0.9% YoY
|
68.3%
-2.8% YoY
|
65.6%
-1.4% YoY
|
33% |
| AMR |
$24,681
-0.5% YoY-0.6% QoQ
|
$-6K |
$30,672
+5.5% YoY
|
$19,742
+4.3% YoY
|
$19,920
+1.6% YoY
|
23% |
| CD Concentration |
23.6%
-11.0% YoY-5.9% QoQ
|
-5.3% | 28.8% | 17.3% | 19.8% | 26% |
| Indirect Auto % |
31.2%
-2.4% YoY-0.6% QoQ
|
+13.1% | 18.1% | 21.9% | 7.7% | 79% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)