Vantage Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.6 has resulted in Fair (4.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.8). Good current capitalization (5.3 on a scale of 0 to 10) based on a net capital to total assets of 7.6 and a net worth ratio of 7.9.
Asset Mix:
Home mtgs (27%), consumer loans (25%), securities (2%), other (47%)
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
Jefferson City, MO
Saint Louis, MO
Columbia, MO