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National Credit Union Service Organization

VANTAGE CREDIT UNION

Dec, 31, 2021 — VANTAGE CREDIT UNION is a federally insured state chartered credit union headquartered in SAINT CHARLES, MO with 15 branch locations and about $1.11 billion in total assets. Opened 65 years ago in 1957, VANTAGE CREDIT UNION has about 72,199 members and employs 249 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 281081479
Name:VANTAGE CREDIT UNION
Address:
(Main Office)
19 Research Park Ct
SAINT CHARLES, MO 63304-5616
Phone:(314) 298-0055
Fax:
Website:http://www.vcu.com
Branches:15 branch locations
Members:72,199
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:67804
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1957
Last Audited:Dec 01, 2020
FHLB Member:Yes
Low Income Designation:No
Assets:$1,109,974,903
CEO/Manager:Eric Acree
Chairperson:Jerry R Eichholz

Call Report

  • First Time Homebuyer Program

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 199,453,520
TOTAL INVESTMENTS 182,716,448
Loans Held for Sale 0
 
 Real Estate Loans 223,108,832
 Unsecured Loans 45,916,925
 Other Loans 391,483,906
 TOTAL LOANS 660,540,421
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -3,037,508
 Land And Building 36,889,567
 Other Fixed Assets 7,864,624
 NCUSIF Deposit 9,758,997
 All Other Assets 15,788,834
  TOTAL ASSETS 1,109,974,903
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 24,431,706
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 236,795,056
 Regular shares 431,164,452
 All Other Shares & Deposits 346,435,021
  TOTAL SHARES & DEPOSITS 1,014,394,529
  TOTAL LIABILITIES 1,038,826,235
 Regular Reserve 4,728,794
 Other Reserves -8,537,406
 Undivided Earnings 74,957,280
  TOTAL EQUITY 71,148,668
  TOTAL LIABILITIES, SHARES, & EQUITY 1,109,974,903
INCOME & EXPENSE  
 Loan Income 26,972,781
 Investment Income 2,327,972
 Other Income 7,295,069
 Total Employee Compensation & Benefits 26,765,223
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 22,439,776
 Non-operating Income & (Expense) 29,044
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 859,676
 Cost of Funds 2,803,625
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -641,659
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