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
Call Report peers
Vantage West in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Vantage West sits in 90-94 with 747 others.
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 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).
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.
- One place up in Arizona, EM (#8) ties at 94/100; one place down, TRUWEST (#10) scores 92/100, 2 points lower.
Vantage West: 2025Q4 → 2026Q1
Vantage West: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.5% from $3.35B (2025Q4) to $3.30B (2026Q1).
- Net-worth ratio shifted +0.32 pp (9.89% → 10.21%).
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
Vantage West gives up 6 points in total. Delinquency Rate costs the most, 5.5 of its 25; Net Worth Ratio and Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Vantage West financially healthy?
On its 2025Q4 NCUA 5300 filing, Vantage West scores 94/100 (Excellent), with a 10.21% net worth ratio and 1.06% of loans delinquent. It ranks #538 of 4,374 nationally on health and #9 of 33 in Arizona.
How does Vantage West compare to other credit unions?
Vantage West scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (84.95% vs 83.90%). Its widest shortfall is net worth ratio (10.21% vs 11.18%).
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?
Vantage West is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.