Vantage Credit Union is headquartered in Saint Charles and is the 3rd largest credit union in the state of Missouri. It is also the 419th largest credit union in the nation. It was established in 1957 and as of March of 2025, it had grown to 260 employees and 68,425 members at 14 locations. Vantage Credit Union has a B+ health rating.
Field of Membership Restrictions
Membership in Vantage Credit Union is open to individuals and their immediate family members who live or work in the Missouri counties of Cape Girardeau, Franklin, Jefferson, St. Charles, St. Louis, or Warren, or St. Louis City; the Missouri Zip Codes of 63627, 63628, or 63670; or the Illinois counties of Madison or St. Clair.
Individual or their immediate family members who currently work for, are retired from, or are associated with (including students and parents who are members of a PTA/PTO) any public or private school, college, university, or other educational institution in the Missouri counties of Crawford, Dent, Franklin, Gasconade, Iron, Jefferson, Lincoln, Maries, Miller, Montgomery, Osage, Phelps, Pulaski, St. Charles, St. Francois, St. Louis, Warren, or Washington qualify for membership, as do the Bakersfield R-IV Schools (Ozark County) or Centerville R-I Schools (Reynolds County); or Jerseyville (Jersey County), Madison (Districts 1, 13, 14, 15 and Region III), Springfield, IL Catholic Diocese Schools (Sangamon County), Southwestern (Jersey County) in Illinois.
See current membership details
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 67804 |
| Year Chartered | 1957 |
| Employees | 260 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -0.11% |
| Return on Equity - YTD | -1.6% |
| Annual Interest Income | $13.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $1.11B$1.18B |
| Loans | Q1 2025vs Q1 2024 | $794.2MM$807.7MM |
| Deposits | Q1 2025vs Q1 2024 | $996.6MM$980.3MM |
| Equity Capital | Q1 2025vs Q1 2024 | $78.5MM$71.5MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $7.5MM$5.8MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $4.1MM$4.9MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $40K$0 |
