Vantage West Credit Union
Total assets
$3.30B
▲ +3.2% YoY
Shares & deposits
$2.84B
▲ +6.4% YoY
Loans
$2.46B
▲ +6.7% YoY
Members
214,956
▲ +7.1% YoY
ROA (annualized)
0.65%
peers 0.71%
ROE (annualized)
6.41%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +5.1% | -1.9 pts |
| Share growth (YoY) | +6.4% | +4.9% | +1.6 pts |
| Loan growth (YoY) | +6.7% | +5.4% | +1.2 pts |
| ROA | 0.65% | 0.71% | -0.1 pts |
| ROE | 6.4% | 6.3% | +0.1 pts |
ROA ranks in the 46th percentile of its peer group · Q1 2026
Profile
- Established
- 1955
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 2480 N. Arcadia Ave, Tucson, AZ, 85712
- NCUA charter #
- 68558
- RSSD ID
- 162980
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $3.30B | $2.84B | $2.46B | $336.9M | $5.4M | 0.65% | 4.20% | 0.85% | 214,956 |
| Q4 2025 | $3.35B | $2.85B | $2.42B | $331.5M | $18.7M | 0.56% | 3.97% | 1.06% | 212,123 |
| Q3 2025 | $3.35B | $2.81B | $2.38B | $331.0M | $13.5M | 0.54% | 3.94% | 0.92% | 209,351 |
| Q2 2025 | $3.21B | $2.67B | $2.35B | $324.6M | $7.2M | 0.45% | 4.06% | 0.81% | 204,935 |
| Q1 2025 | $3.20B | $2.67B | $2.31B | $317.8M | $295K | 0.04% | 4.03% | 0.94% | 200,666 |
| Q4 2024 | $3.11B | $2.59B | $2.25B | $317.5M | $15.6M | 0.50% | 3.76% | 0.89% | 196,195 |
| Q3 2024 | $3.14B | $2.56B | $2.19B | $328.4M | $21.6M | 0.92% | 3.64% | 0.75% | 195,659 |
| Q2 2024 | $3.03B | $2.47B | $2.15B | $323.1M | $16.3M | 1.08% | 3.59% | 0.72% | 191,229 |
Loan mix (Q1 2026): real estate $867.6M · commercial $237.3M · consumer $1.32B · securities $513.3M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.71% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 6.3% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.32% | 94th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.4% | 73.0% | 10th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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