VANTAGE TRUST
Charter #5867 · WILKES BARRE, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.19% sits at the 3rd percentile of structural peers — worth a closer look.
- Return on average assets of -0.08% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 3.22% sits at the 25th percentile of structural peers — worth a closer look.
- Cost of funds of 0.03% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 98.07% sits at the 87th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | VANTAGE TRUST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $48.04M | 98th pct | 62th pct |
| Members | 5,048 | 97th pct | 74th pct |
| Net worth ratio | 7.19% | 2th pct | 3th pct |
| Return on average assets | -0.08% | 16th pct | 13th pct |
| Net interest margin | 3.22% | 23th pct | 25th pct |
| Cost of funds | 0.03% | 2th pct | 2th pct |
| Loan-to-share | 34.59% | 14th pct | 21th pct |
| Delinquency 60+ days | 1.13% | 71th pct | 72th pct |
| Net charge-off ratio | 0.46% | 70th pct | 52th pct |
| Loan growth YoY | -5.46% | 27th pct | 23th pct |
| Share growth YoY | 0.79% | 33th pct | 18th pct |
| Efficiency ratio | 98.07% | 87th pct | 87th pct |
structural peer set hash: 7bab8f77f79e99109662dd190b1eabff… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.