Vantage West
Tucson, AZ · Charter 68558 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 18 branches
Q2 2026
$3.3BAssets
$2.5BLoans
$2.8BShares
$344.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 94% of credit unions $1B-$10B in assets (rank 27 of 435).
- Widest gap: equity / assets trails 64% of credit unions $1B-$10B in assets (rank 277 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.78%
Rank 234 of 435
Net Interest Margin
4.23%
Rank 27 of 435
Efficiency Ratio
60.79%
Rank 69 of 435
Equity / Assets
10.32%
Rank 277 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 0.55% | 0.81% | 1.14% | Beats 46% | 234 / 435 | |
| Return on Equity | 7.52% | 5.12% | 7.41% | 9.70% | Beats 51% | 214 / 435 | |
| Net Interest Margin | 4.23% | 3.01% | 3.39% | 3.75% | Beats 94% | 27 / 435 | |
| Efficiency Ratio | 60.79% | 65.25% | 71.39% | 77.86% | Beats 84% | 69 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.45% | 0.69% | 1.05% | Beats 37% | 274 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.32% | 9.81% | 10.84% | 12.63% | Beats 36% | 277 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.32% | 9.81% | 10.84% | 12.63% | Beats 36% | 277 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 89.42% | 78.33% | 88.38% | 95.61% | 54th pctl | 200 / 435 | |
| Loans / Assets | 75.61% | 67.69% | 74.58% | 80.80% | 54th pctl | 199 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |