Vantage Trust

WILKES BARRE, PA · 1 · Charter #5867 · WWW.VANTAGETRUSTFCU.ORG
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$47.2M
98th percentile
Members
5,133
98th percentile
Total loans
$15.0M
78th percentile
Total shares
$44.2M
100th percentile

Profitability

Return on assets
0.30%
27th percentile
Net interest margin
3.36%
29th percentile
Efficiency ratio
92.34%
11th percentile
Non-interest income ratio
21.80%
86th percentile

Capital & Risk

Net worth ratio
7.33%
3th percentile
Delinquency rate
1.35%
34th percentile
Net charge-off rate
0.65%
26th percentile
Loan-to-share
34.01%
15th percentile

Growth

Member growth YoY
-4.29%
22th percentile
Asset growth YoY
-0.84%
37th percentile
Loan growth YoY
-9.60%
25th percentile
Share growth YoY
-0.95%
40th percentile

Operations

Members / branch
1,711
71th percentile
Assets / member
$9,201
50th percentile
Field of membership penetration
2.92%
13th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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