# VANTAGE TRUST
WILKES BARRE, PA · NCUA charter 5867 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/vantage-trust-5867

Who the members are: federal charter, multiple common bond, organized 1948, low-income designated. 5,048 members of 175,934 potential (2.9% of the field); checking penetration 31% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $48.0M |
| Members | 5,048 (-4.9% YoY) |
| Full-time staff | 8 |
| Net worth | $3.5M |
| Net worth ratio | 7.2% (p3 of band) |
| ROA (annualized) | -0.08% (p22 of band) |
| Total delinquency | 1.13% (p65 of band) |
| Net charge-offs (annualized) | 0.45% (p74 of band) |
| Loans / shares | 35% (p18 of band) |
| Cash / assets | 30.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.19% (p24 of band) |
| Operating expense / assets | 3.89% (p57 of band) |
| Vehicles % of loans | 47% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 19% |
| Third-party paper % of net worth | 208% (p99 of band) |
| Vehicle delinquency | 0.55% (p53 of band) |
| Vehicle NCO | 0.65% (p83 of band) |
| Repossessed % of vehicle book | 0.30% (p95 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 89% |
| Certificates % of member funds | 1% |
| Average share balance | $9,057 |
| Participations bought / yr | $8.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $7.1M |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $8,574 |
| Loans granted, annualized | $9.3M |

## Participation posture (from the same filings)

Bought $8.3M and sold $0 in the latest annualized quarter; $7.1M outstanding purchased (205.5% of net worth), $0 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares -1.8% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, losing money, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 3 |  | charge-offs p90 |
| 2016-09 | 2 |  | losing money |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | members leaving |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | members leaving |
| 2018-06 | 4 | net worth falling, losing money |  |
| 2018-09 | 6 | assets shrinking, members leaving |  |
| 2018-12 | 5 |  | net worth falling |
| 2019-03 | 4 |  | losing money |
| 2019-06 | 4 |  |  |
| 2019-09 | 5 | losing money |  |
| 2019-12 | 5 |  |  |
| 2020-03 | 6 | delinquency rising |  |
| 2020-06 | 5 | net worth falling | assets shrinking, delinquency rising |
| 2020-09 | 7 | capital below 7% |  |
| 2020-12 | 7 |  |  |
| 2021-03 | 6 |  | losing money |
| 2021-06 | 6 | losing money | members leaving |
| 2021-09 | 6 |  |  |
| 2021-12 | 7 | charge-offs p90 |  |
| 2022-03 | 8 | loan book shrinking, 3rd-party paper>100% NW | charge-offs p90 |
| 2022-06 | 9 | members leaving |  |
| 2022-09 | 9 | expense trap | members leaving |
| 2022-12 | 7 |  | net worth falling, loan book shrinking |
| 2023-03 | 5 |  | losing money, expense trap |
| 2023-06 | 6 | assets shrinking |  |
| 2023-09 | 6 |  |  |
| 2023-12 | 6 |  |  |
| 2024-03 | 5 | loan book shrinking | capital below 7% |
| 2024-06 | 8 | losing money, repo signal, members leaving |  |
| 2024-09 | 8 |  |  |
| 2024-12 | 6 |  | losing money, repo signal |
| 2025-03 | 6 | net worth falling, losing money | assets shrinking, loan book shrinking |
| 2025-06 | 4 |  | delinquency 2x band, net worth falling |
| 2025-09 | 4 | delinquency 2x band | losing money |
| 2025-12 | 3 |  | delinquency 2x band |
| 2026-03 | 5 | losing money, loan book shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2015-06-14 [Credit union branches on VA land targeted for closure - The Citizens' Voice](https://news.google.com/rss/articles/CBMimwFBVV95cUxOMHIxcVlLa2hCbzBBTXNkYmJsZTh2dFJwenlZUFF4ZTVBMzlOUG5NaXZRY1BzYlZqYjlMSVE3ZXdpWUN0anBHMUczeG50MDhwN1FobUZfV0Z5dUxDOUJqQ0hJaUhZYUl4d1ljY3N2cGd0dzBfNkxycE5ZZE02YkN0cjRoV3NyYktHOHBnY29qMUlpNmtlTXRuOFFWdw?oc=5) · The Citizens' Voice
- 2017-08-01 [Two Wilkes-Barre AFGE union officers charged with stealing $50K - Times Leader](https://news.google.com/rss/articles/CBMipAFBVV95cUxNSGd1MXNYdkRrbUppSmlCUW85SUtIRXFELXQzQk02S3dDRDhrRkc5bmw3SG1yYTV5YkpPLVdBQ1dDLXhwQ2ltWno0UGdxNkRtYVlRT1dxWk5ZRUZuM2ZXR29GRlA5eFctNmJlMy12UWNOS3VaZUYxNzAzOWNuYTBucTluNHpraURGbnl4TUdVcVV2SW5zVjh0UHpGcWZjZGNrdHdtWA?oc=5) · Times Leader
- 2012-03-05 [After rectory fire, pastor’s faith unshaken - The Citizens' Voice](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNODZ6T1MzMVB2ZmJYeUxuNGVhWUxKVzI2NXQzM3lZbUVsY1N2LWw2TmxSTEtDN19od2Y4Nlk2Q1h4MWlhT1I3V1NMWTNGa2lIdmhmQVNweHl1c19jM2tkemYwR3ZNbUxzWVk3WEJvLUFHSjh1b01lMGtlb1lDek5nNmQySzQwd2JxREd3?oc=5) · The Citizens' Voice

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5867 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/43.json (key "5867", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=5867
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide