Vantage Credit Union (NCUA charter #67804) is based in Saint Charles, Missouri. Its Q2 2026 call report shows $1.2B in total assets and $1.1B in member shares and deposits and 15 offices.
Vantage Credit Union has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 454 credit unions with $1 billion – $10 billion. Among 87 credit unions headquartered in Missouri, it ranks 68th. Problem-loan coverage contributes the most (89/100, 5.6%); capital cushion contributes the least (30/100, 8.03%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (54 → 57), mostly because the loan quality component improved by 5 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 54 |
| Q3 2024 | 57 |
| Q4 2024 | 57 |
| Q1 2025 | 53 |
| Q2 2025 | 54 |
| Q3 2025 | 58 |
| Q4 2025 | 56 |
| Q1 2026 | 53 |
| Q2 2026 | 57 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 7.08% |
| Q3 2024 | 7.46% |
| Q4 2024 | 7.68% |
| Q1 2025 | 7.55% |
| Q2 2025 | 7.70% |
| Q3 2025 | 7.97% |
| Q4 2025 | 8.01% |
| Q1 2026 | 7.94% |
| Q2 2026 | 8.03% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.61% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.74% |
| Q3 2025 | 0.67% |
| Q4 2025 | 0.80% |
| Q1 2026 | 0.66% |
| Q2 2026 | 0.59% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.44% |
| Q3 2024 | 0.65% |
| Q4 2024 | 0.55% |
| Q1 2025 | -0.11% |
| Q2 2025 | 0.35% |
| Q3 2025 | 0.58% |
| Q4 2025 | 0.56% |
| Q1 2026 | -0.00% |
| Q2 2026 | 0.35% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $1.2B | 8.03% | 0.59% | 0.35% | 80.3% |
| Q1 2026 | 53 | $1.1B | 7.94% | 0.66% | -0.00% | 81.1% |
| Q4 2025 | 56 | $1.1B | 8.01% | 0.80% | 0.56% | 83.8% |
| Q3 2025 | 58 | $1.1B | 7.97% | 0.67% | 0.58% | 82.2% |
| Q2 2025 | 54 | $1.1B | 7.70% | 0.74% | 0.35% | 79.1% |
| Q1 2025 | 53 | $1.1B | 7.55% | 0.52% | -0.11% | 79.7% |
| Q4 2024 | 57 | $1.1B | 7.68% | 0.61% | 0.55% | 85.0% |
| Q3 2024 | 57 | $1.1B | 7.46% | 0.60% | 0.65% | 85.2% |
| Q2 2024 | 54 | $1.1B | 7.08% | 0.63% | 0.44% | 83.0% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Multipli Federal Credit UnionCredit union Jefferson City, MO | 76 out of 100, Strong | $1.5B | 10.6% | 0.31% | vs |
| Together Credit UnionCredit union Saint Louis, MO | 64 out of 100, Moderate | $2.7B | 9.7% | 0.54% | vs |
| First Community Credit UnionCredit union Chesterfield, MO | 65 out of 100, Moderate | $5.0B | 8.6% | 0.54% | vs |
Deposit insurance
Is my money safe at Vantage Credit Union?
Yes. Vantage Credit Union is a federally insured credit union (NCUA charter #67804). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 4.5% of shares and deposits ($47.6M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 8.03%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
15 locations
Branches
Vantage Credit Union lists 15 offices in 12 cities. Most locations:
- Florissant, MO (2)
- O Fallon, MO (2)
- Saint Louis, MO (2)
- Ballwin, MO (1)
- Bridgeton, MO (1)
- Creve Coeur, MO (1)
- Ellisville, MO (1)
- Eureka, MO (1)
- Festus, MO (1)
- Saint Charles, MO (1)
- Saint Peters, MO (1)
- Wentzville, MO (1)
HMDA 2025
Mortgage lending
In 2025, Vantage Credit Union reported 1,020 home-loan applications under HMDA (LEI 549300E06ZGS1I3URI95): 723 originated ($102,565,000 total), 256 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 25.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| Mastercard Platinum | 12.49% – 19.49% | $0 | — | 1.0% |
Identity & history
Profile
- Legal name
- Vantage Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67804
- RSSD ID
- 442691
- Primary regulator
- State + NCUA
- Established
- 1957
- Headquarters
- 19 Research Park CT, Saint Charles, MO 63304
- Employees
- 262
Quick answers
Vantage Credit Union: common questions
Is Vantage Credit Union NCUA insured?
Yes. Vantage Credit Union is a federally insured credit union (NCUA charter #67804). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Vantage Credit Union's TellerScore?
57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Vantage Credit Union have?
15 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Saint Charles
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Edward Jones Trust CompanyBank Saint Louis, MO | 94 out of 100, Very strong | $160.5M | 98.2% | 0.00% | vs |
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| Co - Lib Credit UnionCredit union Saint Louis, MO | 91 out of 100, Very strong | $1.4M | 15.5% | 0.82% | vs |
| Bank of KampsvilleBank Kampsville, IL | 91 out of 100, Very strong | $134.1M | 17.4% | 0.01% | vs |
| Legends BankBank Linn, MO | 90 out of 100, Very strong | $635.5M | 18.3% | 0.51% | vs |
| Division #6 Highway Credit UnionCredit union Chesterfield, MO | 88 out of 100, Very strong | $15.7M | 17.9% | 0.24% | vs |