Sep, 30, 2025 — VANTAGE CREDIT UNION is a federally insured state chartered credit union headquartered in SAINT CHARLES, MO with 14 branch locations and about $1.11 billion in total assets. Opened 69 years ago in 1957, VANTAGE CREDIT UNION has about 68,312 members and employs 252 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | VANTAGE CREDIT UNION |
|---|---|
| Address: (Main Office) | 19 Research Park Ct SAINT CHARLES, MO 63304-5616 |
| Phone: | (314) 298-0055 |
| Fax: | |
| Website: | https://www.vcu.com |
| Branches: | 14 branch locations |
| Members: | 68,312 |
| 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, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $1,112,459,731 |
| CEO/Manager: | Eric Acree |
| Chairperson: | Jerry R Eichholz |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 85,648,981 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 404,990,939 |
| Unsecured Loans | 66,349,839 |
| Other Loans | 355,723,485 |
| TOTAL LOANS | 827,127,586 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -8,684,840 |
| Land And Building | 40,046,470 |
| Other Fixed Assets | 7,235,533 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 9,086,727 |
| All Other Assets | 81,173 |
| TOTAL ASSETS | 1,112,459,731 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 21,804,381 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 247,839,489 |
| Regular shares | 386,059,701 |
| All Other Shares & Deposits | 371,865,141 |
| TOTAL SHARES & DEPOSITS | 1,005,764,331 |
| TOTAL LIABILITIES | 1,027,568,712 |
| Regular Reserve | 0 |
| Other Reserves | -2,785,607 |
| Undivided Earnings | 87,676,626 |
| TOTAL EQUITY | 84,891,019 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 1,112,459,731 |
| INCOME & EXPENSE | |
| Loan Income | 38,697,399 |
| Investment Income | 3,483,439 |
| Other Income | 5,022,212 |
| Total Employee Compensation & Benefits | 20,850,037 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 20,586,207 |
| Non-operating Income & (Expense) | 14,123 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 5,259,472 |
| Cost of Funds | 8,842,508 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 4,852,116 |
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