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Overview / Commentary
4020 Fee Fee Rd
Bridgeton, MO 63044

Vantage Credit Union is headquartered in Bridgeton and is the 4th largest credit union in the state of Missouri. It is also the 309th largest credit union in the nation. It was established in 1957 and as of March of 2014, it had grown to 282 employees and 102,418 members. Vantage Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be an employee of an educational institution in any of the following counties: Crawford, Dent, Franklin, Gasconade, Iron, Jefferson, Lincoln, Maries, Montgomery, Osage, Phelps, Pulaski, St. Charles, St. Francois, St. Louis, Warren or Washington in Missouri or Madison, Jerseyville or Southwestern Illinois. Also open to employees of several select employee groups. - See Details

Reviews (5)

Pretty Good

Vantage Credit Union is very flexible. We have our car payment with them. They have excellent customer service and great deals for new customers. We haven't had any difficulties with them yet and recommend them to friends.

Lower End of the Credit Union Spectrum

Vantage is not one of the best credit unions to work with although they appear to offer the same dealings as other credit unions. Their customer service leaves a lot to be desired as the tellers can often be very rude and demeaning. Although it is understandable that a lot of volume does go through this bank, they are beginning to charge service fees for a lot of services that used to be free, and this is putting them on the same platform as a bank rather than a credit union. Their loan products are sub par, the products they offer are becoming more outdated, although they are attempting to keep with the times, and I do not like the numerous restrictions that are on the account options that they offer.

Commendable Credit Union

I have been a member of this credit union for a number of years, although they have ceased to serve a purpose for me in more recent times. While they do offer the same products that other credit unions offer, their customer service is lacking, and the representatives at the branches are not always the nicest of people. One tends to feel ignored when coming into the branch, and the friendliness of the company leaves a lot to be desired.


worst bank ever!!!!! warning .... got a car loan from them they charged me a hi risk insurance policy be cause i did not show proof of insurance right away. $$$$600 after my insurance company called them and explained that there was no gap in my insurance they said it was too late and made me still pay. so i decided to refinance with a better bank and now they are making me jump through all kinda hoops to get a pay off and copy of title. they just put you on hold or when you get some one on the phone they tell you that they cant send it or some crap. i would like to mention how i got stuck with them in the first place, i bought a car from frank Leta Acura and they wouldn't use the bank i recommend . almost 8% interest on a used car when i have 780 credit???? i recommend Scott credit union 2.3% interest on same car... also the people at vantage are non educated on there policy and the law... warning don't get involved with them.. thanks scott .

Poor Communication

"Forget" vantage credit union. I lost a job because of them; they blocked my card, and didn't say anything. I couldn't get gas for my car or food for my child. They could have called or left me a message online in my inbox or something.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Vantage Credit Union had $3.21 million in non-current loans and owned real-estate with $65.29 million in equity and loan loss allowances on hand to cover it. This gives Vantage Credit Union a Texas Ratio of 4.92% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Vantage Credit Union decreased slightly from 5.97% as of March 31, 2013 to 4.92% as of March 31, 2014, resulting in a positive change of 17.65%.This indicates that the balance sheet and financial strength for Vantage Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Vantage Credit Union has increased its total deposits by $9.99 million, resulting in 1.54% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Vantage Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Vantage Credit Union has $737.08 million in assets with $65.29 million in equity, resulting in a capitalization level of 8.86%, which is average.

Institution Statistics

NCUA #67804
Year Chartered1957
Primary Regulator
Assets and Liabilities
Assets$737.08 million
Loans$514.10 million
Deposits$659.18 million
Equity Capital$59.44 million
Loan Loss Allowance$5.85 million
Unbacked Noncurrent Loans$3.03 million
Real Estate Owned$181,000
Historic Data - March 2013
Assets$718.37 million
Equity Capital$59.27 million
Loan Loss Allowance$6.37 million
Unbacked Noncurrent Loans$3.03 million
Real Estate Owned$94,000
Profit Margin - Quarterly
Net Interest Margin1.33%
Return on Assets0.36%
Return on Equity4.47%
Interest Income$7.54 million

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Vantage Credit Union has 15 locations. Click to view all Vantage Credit Union locations.