State credit union · Saint Charles, Missouri · NCUA charter #67804
VANTAGE
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $1.12B
- Total assets
- 68,077
- Members
- 7.9%
- Net-worth ratio
VANTAGE scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.12B; members 68,077; net-worth ratio 7.94%; health rank #2,359 of 4,374; healthier than 46th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,359 of 4,374 health · 2025Q4VANTAGE · health 83/100 · $1.12B · 2025Q4
Call Report peers
VANTAGE in the assets neighbourhood
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VANTAGE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); VANTAGE sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
VANTAGE: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.80% here, 0.87% peer average (-0.07 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.24 pp (7.94% vs 11.18%).
VANTAGE: in-state Call Report ranks
- In Missouri, health place is #49 of 89 on the same NCUA-ratio sort used nationally.
- By total assets, VANTAGE is #4 of 89 in Missouri.
- Membership ranks #4 of 89 among Missouri CUs with a reported count (68,077 members).
- One place up in Missouri, Northeast Regional (#48) ties at 83/100; one place down, Burlington Northtown Community (#50) scores 82/100, 1 point lower.
VANTAGE: 2025Q4 → 2026Q1
VANTAGE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.7% from $1.12B (2025Q4) to $1.15B (2026Q1).
- Net-worth ratio shifted -0.07 pp (8.01% → 7.94%).
This credit union's 7.94% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
VANTAGE gives up 17 points in total. Member Growth costs the most, 8.3 of its 15; Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 24.9 pts
- Delinquency Rate 22.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 14.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.94% | -3.24 pp |
| Delinquency Rate | 0.80% | -0.07 pp |
| Return on Assets | 0.53% | +0.02 pp |
| Member Growth | -1.28% | - |
| Loan-to-Share Ratio | 83.77% | -0.13 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - VANTAGE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.15B | - |
| 2025Q4 | $1.12B | 68,077 |
| 2024Q4 | $1.08B | 68,963 |
| 2023Q4 | $1.20B | 70,872 |
Credit Union Details
- Charter Number
- 67804
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Missouri
- City
- Saint Charles
- Data Quarter
- 2025Q4
Branch Locations (15)
The NCUA branch filing lists 15 physical offices for VANTAGE, spread across 12 cities.
| Office | City |
|---|---|
| Administration (Main Office) | Saint Charles, MO |
| Ballwin | Ballwin, MO |
| Bridgeton | Bridgeton, MO |
| Creve Coeur | Creve Coeur, MO |
| West County | Ellisville, MO |
| Eureka | Eureka, MO |
| Twin Cities | Festus, MO |
| North County | Florissant, MO |
| Greenway Chase | Florissant, MO |
| OFallon | O Fallon, MO |
| Progress Point | O Fallon, MO |
| South County | Saint Louis, MO |
| Sunset Hills | Saint Louis, MO |
| Cave Springs | Saint Peters, MO |
| Wentzville | Wentzville, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
Cross-state Call Report peers for VANTAGE
Similar total assets
Using this data
- VANTAGE ranks #2,359 of 4,374 nationally on financial health and #49 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MULTIPLI is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MULTIPLI
Frequently Asked Questions
Is VANTAGE financially healthy?
On its 2025Q4 NCUA 5300 filing, VANTAGE scores 83/100 (Excellent), with a 7.94% net worth ratio and 0.80% of loans delinquent. It ranks #2,359 of 4,374 nationally on health and #49 of 89 in Missouri.
How does VANTAGE compare to other credit unions?
VANTAGE scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.80% vs 0.87%). Its widest shortfall is net worth ratio (7.94% vs 11.18%).
How can I join VANTAGE?
Membership eligibility for VANTAGE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact VANTAGE directly for current membership requirements and application steps.
Is my money safe at VANTAGE?
VANTAGE is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. VANTAGE's net worth ratio of 7.94% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.