Vantage Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.8 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.1, driven by a liquidity ratio of 14.8 percent and a “hot money” ratio of 3.1 percent. Fair current capitalization (3.5 on a scale of 0 to 10) based on a net capital to total assets of 5.8 and a net worth ratio of 6.6.
Asset Mix:
Consumer loans (25%), home mtgs (22%), securities (2%), other (51%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
19 Research Park Court
Saint Charles, MO 63304
Saint Charles, MO 63304
Phone Number
(314) 298-0055
NCUA Charter Number
Website
Largest Competitors
Chesterfield, MO
Saint Louis, MO
Columbia, MO
Jefferson City, MO
Saint Louis, MO