PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Vantage West

Tucson, AZ · Charter 68558

NCUA · 18 branches

Q2 2026

$3.3BAssets
$2.5BLoans
$2.8BShares
$344.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.78%, up 33 bps year over year; NIM at 4.23%.
  • Asset quality: problem loans at 0.84% of loans (+3 bps YoY).
  • Capital: net worth / assets of 10.32%, up 20 bps from a year ago.
  • Funding: loans stand at 89.42% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.78%+33 bps YoY

Net Interest Margin (YTD, annualized)

4.23%+17 bps YoY

Efficiency Ratio (YTD, annualized)

60.79%-434 bps YoY

Net Worth / Assets

10.32%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.50%0.04%0.45%0.54%0.56%0.65%0.78%+33 bps
Return on Equity8.78%4.91%0.37%4.41%5.44%5.63%6.41%7.52%+311 bps
Net Interest Margin3.64%3.76%4.03%4.06%3.94%3.97%4.20%4.23%+17 bps
Efficiency Ratio61.24%64.63%68.27%65.13%64.46%64.04%60.39%60.79%-434 bps
Growth
Asset Growth (YoY)12.87%7.51%5.84%5.71%6.71%7.72%3.19%4.03%-169 bps
Loan Growth (YoY)8.48%11.52%10.84%9.52%8.70%7.63%6.67%7.23%-228 bps
Share Growth (YoY)8.20%8.50%8.61%8.18%9.77%9.82%6.42%5.79%-239 bps
Asset Quality
Delinquent Loans / Loans0.75%0.89%0.94%0.81%0.92%1.06%0.85%0.84%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.45%10.21%9.94%10.12%9.87%9.89%10.21%10.32%+20 bps
Net Worth / Assets10.45%10.21%9.94%10.12%9.87%9.89%10.21%10.32%+20 bps
Liquidity & Funding
Loans / Shares85.50%86.68%86.52%88.21%84.67%84.95%86.72%89.42%+120 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps