VANTAGE WEST
Charter #68558 · TUCSON, AZ · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.17% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.57% sits at the 93rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 60.39% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
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 WEST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.30B | 68th pct | 64th pct |
| Members | 214,956 | 74th pct | 64th pct |
| Net worth ratio | 10.21% | 37th pct | 38th pct |
| Return on average assets | 0.65% | 45th pct | 51th pct |
| Net interest margin | 4.17% | 92th pct | 87th pct |
| Cost of funds | 2.17% | 70th pct | 74th pct |
| Loan-to-share | 86.72% | 51th pct | 41th pct |
| Delinquency 60+ days | 0.85% | 71th pct | 69th pct |
| Net charge-off ratio | 1.57% | 97th pct | 93th pct |
| Loan growth YoY | 3.61% | 72th pct | 82th pct |
| Share growth YoY | 1.15% | 11th pct | 8th pct |
| Efficiency ratio | 60.39% | 12th pct | 3th pct |
structural peer set hash: 05a10ac69cb318b202083d781869f618… (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.