State credit union · TUCSON, Arizona · NCUA charter #68558
Vantage West
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $3.35B
- Total assets
- 212,123
- Members
- 10.2%
- Net-worth ratio
Vantage West scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.35B; members 212,123; net-worth ratio 10.21%; health rank #538 of 4,374; healthier than 87th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#538 of 4,374 health · 2025Q4Vantage West · health 94/100 · $3.35B · 2025Q4
- NW 94/100
- DELQ 10.2%
- ROA 1.06%
- ASSETS 0.47%
- MEM $3.35B
- RANK 212,123
- PHOTO #538/4,374
- BOOK SOUND
- CHARTER 68558
Call Report peers
Vantage West in the assets neighbourhood
Vantage West's $3.35B assets sit next to SOUND ($3.34B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Vantage West vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Vantage West - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #68558. See our deposit-insurance coverage note.
Vantage West vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 84.95% here, 83.90% peer average (+1.05 pp).
- Net Worth Ratio trails the peer set - 10.21% here, 11.18% peer average (-0.97 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Vantage West in Arizona
- In Arizona, health place is #9 of 33 on the same NCUA-ratio sort used nationally.
- Arizona assets place: #4 of 33.
- Arizona membership ordinal: #3 of 33.
In-state ordinals use the live credit_unions table for AZ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Vantage West: 2025Q4 → 2026Q1
Vantage West: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.5% from $3.35B (2025Q4) to $3.30B (2026Q1).
- Net-worth ratio shifted +0.32 pp (9.89% → 10.21%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.21% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.5 pts
- Return on Assets 14.5 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Vantage West vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.21% | -0.97 pp |
| Delinquency Rate | 1.06% | +0.19 pp |
| Return on Assets | 0.47% | -0.04 pp |
| Member Growth | 8.12% | - |
| Loan-to-Share Ratio | 84.95% | +1.05 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.30B | - |
| 2025Q4 | $3.35B | 212,123 |
| 2024Q4 | $3.11B | 196,195 |
| 2023Q4 | $2.89B | 183,655 |
Credit Union Details
- Charter Number
- 68558
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Arizona
- City
- TUCSON
- Data Quarter
- 2025Q4
Branch Locations (20)
The NCUA branch filing lists 20 physical offices for Vantage West, spread across 7 cities.
| Office | City |
|---|---|
| Corporate Headquarters (Main Office) | Tucson, AZ |
| Casa Grande Branch | Casa Grande, AZ |
| Cooper Square Branch | Gilbert, AZ |
| Peoria Branch | Glendale, AZ |
| Oro Valley | Oro Valley, AZ |
| Phoenix | Phoenix, AZ |
| Tombstone Branch | Tombstone, AZ |
| Broadway Branch | Tucson, AZ |
| Southwest Branch | Tucson, AZ |
| Northwest Branch | Tucson, AZ |
| Marana (Arizona Pavilions) Branch | Tucson, AZ |
| Rita Ranch | Tucson, AZ |
| University Branch | Tucson, AZ |
| Wilmot Branch | Tucson, AZ |
| Base Branch | Tucson, AZ |
| Tanque Verde Branch | Tucson, AZ |
| 1st/Wetmore Branch | Tucson, AZ |
| 22nd & Kolb | Tucson, AZ |
| Golder Ranch | Tucson, AZ |
| I-19 & Irvington | Tucson, AZ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arizona
More federally-insured credit unions based in Arizona, ordered by peer group match and asset size.
Cross-state Call Report peers for Vantage West
Cross-state asset and health neighbours for Vantage West - kept outside Arizona; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($3.35B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- Vantage West ranks #538 of 4,374 nationally on financial health and #9 of 33 in AZ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Arizona Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Arizona Financial
- Rates and health both vary by institution, not just by state -- see how Arizona credit unions compare overall before assuming this one is typical. Arizona state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Vantage West financially healthy?
Vantage West has a financial health score of 94/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #538 of 4,374; by total assets it ranks #148 of 4,374 nationally (same basis as /rankings/largest); and #4 of 33 within Arizona. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.21% and delinquency rate of 1.06%.
How does Vantage West compare to other credit unions?
Vantage West scores 94/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Vantage West?
Membership eligibility for Vantage West depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Vantage West directly for current membership requirements and application steps.
Is my money safe at Vantage West?
Federal credit unions like Vantage West are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Vantage West's net worth ratio of 10.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Vantage West offer compared to banks?
Credit unions like Vantage West are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Vantage West directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.