# VANTAGE
Saint Charles, MO · NCUA charter 67804 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/vantage-67804

Who the members are: state charter, organized 1957. 68,069 members of 2,800,000 potential (2.4% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 118.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.15B |
| Members | 68,069 (-0.5% YoY) |
| Full-time staff | 259 |
| Net worth | $89.1M |
| Net worth ratio | 7.8% (p2 of band) |
| ROA (annualized) | 0.00% (p4 of band) |
| Total delinquency | 0.66% (p54 of band) |
| Net charge-offs (annualized) | 0.72% (p69 of band) |
| Loans / shares | 81% (p35 of band) |
| Cash / assets | 11.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.06% (p92 of band) |
| Operating expense / assets | 5.03% (p99 of band) |
| Vehicles % of loans | 26% (p47 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 58% |
| Third-party paper % of net worth | 287% (p83 of band) |
| Vehicle delinquency | 0.84% (p69 of band) |
| Vehicle NCO | 0.89% (p46 of band) |
| Repossessed % of vehicle book | 0.01% (p26 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 11% |
| Average share balance | $7,411 |
| Participations bought / yr | $2,352 |
| Participations sold / yr | $0 |
| Participations outstanding | $28.4M |
| Loans outstanding per 100 members | 118% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $10,494 |
| Loans granted, annualized | $274.8M |

## Participation posture (from the same filings)

Bought $2,352 and sold $0 in the latest annualized quarter; $28.4M outstanding purchased (31.9% of net worth), $1,989 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 4.2% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | thin capital, losing money, expense trap, charge-offs p90, 3rd-party paper>100% NW |  |
| 2016-06 | 4 |  | losing money |
| 2016-09 | 4 |  |  |
| 2016-12 | 5 | net worth falling |  |
| 2017-03 | 8 | losing money, margin squeeze, members leaving |  |
| 2017-06 | 8 |  |  |
| 2017-09 | 5 |  | net worth falling, losing money, margin squeeze |
| 2017-12 | 5 |  |  |
| 2018-03 | 5 |  |  |
| 2018-06 | 5 |  |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 3 |  | thin capital, charge-offs p90 |
| 2019-03 | 4 | thin capital |  |
| 2019-06 | 4 | net worth falling | expense trap |
| 2019-09 | 2 |  | thin capital, net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | thin capital, expense trap |  |
| 2020-06 | 5 | net worth falling |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 6 | margin squeeze |  |
| 2021-06 | 5 |  | margin squeeze |
| 2021-09 | 5 |  |  |
| 2021-12 | 6 | losing money |  |
| 2022-03 | 5 |  | losing money |
| 2022-06 | 4 |  | net worth falling |
| 2022-09 | 8 | capital below 7%, losing money, delinquency rising |  |
| 2022-12 | 4 |  | capital below 7%, losing money, delinquency rising |
| 2023-03 | 4 | delinquency rising | members leaving |
| 2023-06 | 6 | losing money, leaning on borrowings |  |
| 2023-09 | 9 | capital below 7%, net worth falling |  |
| 2023-12 | 8 |  | delinquency rising |
| 2024-03 | 8 | delinquency rising | net worth falling |
| 2024-06 | 5 |  | losing money, capital below 7% |
| 2024-09 | 5 | assets shrinking | delinquency rising |
| 2024-12 | 4 |  | leaning on borrowings |
| 2025-03 | 5 | losing money |  |
| 2025-06 | 3 |  | assets shrinking, losing money |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 4 | losing money |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-12 [Sponsored: Vantage Credit Union opens new branch in west St. Louis County, offers $500 gift card giveaway - KSDK](https://news.google.com/rss/articles/CBMihAJBVV95cUxPdWZqQk16b3F0cWxDb3AxUDV4V3BiSWF3amhKRS1ETjZGclZQdWFRcGl5TV9ZcG1uUVk1MUFySk52TlhINFhURVpHWG9CLW12MU11S2RLT2FLdXVUOHBkSm44U0xFdzUxU1FoVTdjeWhta3BkU2VhLVF2blAwRk5IQUFXYzRKV3R0OHZVUEVYdklMaWg4aWE3ZFk5cGNLZ1NTYVlrMFBybkhZOC1uWHE3RUhsbTF1bHFtY3dtQU1YSUUteHlqZXp6RFNUaDQ4QmZNaWs0VFQ2OEhjYW15b3VFeTFLZzNtd3JsenczVVZOOTRYUHl2amFDT2FCSUxEQy1yMVIwQQ?oc=5) · KSDK
- 2025-05-12 [Vantage Credit Union - Temenos](https://news.google.com/rss/articles/CBMifkFVX3lxTE0xd2poTTBMSFByZVhmWHQ4Q1FRRVlaWGZmWDhUd1psT3QwZHlMS0h1emlmVHF2LTczbzNVdTdadG91TDc2R3piY2hVYUNFSmxWQmh5NXRYZUNSMDNBeFNwcEdHUDhVaTVlcTdHNlVXNGlCcGNyUV9oenl0Y2xWZw?oc=5) · Temenos
- 2026-08-28 [Vantage Credit Union Prep Zone | August 28, 2026 - FOX 2](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOeHNZWFMwb2dLVEpVUzVLZVRva2I1RkFuSmFzblZkUWZ1aHlvS1FCdEdFeF9pVTdxZ2NmRlIyNzdrRXRYZHh0dVVUajhnS05KSU5nUTlyYUZtaGh0RVB2NXNtMXpaenk5R0Z4bGRobVJHdDhfUXFxNXlQYkRqUWFtdFU4Rjl3Mzkt?oc=5) · FOX 2
- 2017-07-12 [Longtime Vantage CU CEO Hoosman, a 'titan' of credit unions, dead at 60 - American Banker](https://news.google.com/rss/articles/CBMitwFBVV95cUxPTF9wSVU5R3FTeXNINmpLN0dMUkwxMnUyZ2t1YThuR3R5RE91RjJWcGx5UldhZlFHRzN1cWxFRDlyZ3Fvclg2RnRpR0ZxNjd6ZUlmT3BiTmVpZTI0TlNFVzh1ZnJ1YWowUVdDcGlvY01MS2pPQjRPY2ZfRGJSemRfcHRQZkk1Wl9oOVhxQW5ZbXBrZkJLdFo0am5iOGJBZXpLam5fbEtYdmZ6dE5XV1p1Nks4Z0UxT1E?oc=5) · American Banker
- 2023-11-08 [Sponsored: Vantage Credit Union's convenient Progress Point Branch - KSDK](https://news.google.com/rss/articles/CBMi_wFBVV95cUxQRG0zc2VFNnNHLU9XWVhkTzlxUFlFTU9lX1d5SWNIOUEzV3NERFhvXzlsR1h3NU5wblQ3QUdUU2xHRkZyS2Z4ZEs2bWFlWmtJenJrc3RYT0JjRExiVlczLTBRQ1djUTdKeld5NXU5aEVtRGJzSGFuV01ySXcwS3RGUXBuZEtWdzd6OThCX2loejloTkJUY214V1VvREdoRW93OEx6ZTNwaGc0UkdVWHdMSGxxOGJPSGh1SVZWWFVlSHI0Q3VGeTREdGpOeFVRVWtOTDhwMWlpRWtmNjJtQTZ4WGZVZFgxWW5jcXJ0anpkWE1YSnZHcjBFVXVycEVYcVE?oc=5) · KSDK
- 2026-09-05 [Vantage Credit Union Fox 2 Prep Zone | Sep. 4, 2026 - FOX 2](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNOUsxSWRhYVVxU2pndlRxNU1ubmE1Z3AzV1ZsSEFvYkJicFFucG1JcDVPLXVNUGVYWlZKclNXcU9WSzgzUVlLQWRqRXlHWmkyM096MlN1VW4zdTExRWVWbWRid3NZMF9hWFQ0aU1QSFB5S3E4R1ZDc2x0WnA4TFZFQ2M3WHRabU1zdjVR?oc=5) · FOX 2
- 2016-02-02 [Two arrested for robbery of Wood River Vantage Credit Union - RiverBender.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxQR1lnb191UmtocjdYZFNpUnQ3OF91MmhVcmQ3TGlidVlBY2k4X2hfM08yWndzWVpYb3lYNUhXc21aV05QNkJOZmdDSXVMVE16Ym5MV3Z5MkREcktYTFZsV0E2eF83aUtnUjgyYkF1cXV0T0ZReUo4WXpfdU9uYmVoNXd5R3JRV2s1RVU2QXhFRnFURl90M2lJRzA5YVE3ZlJ1cWFfU3ZRRUJleGoyeFhZ?oc=5) · RiverBender.com
- 2017-07-06 [Funeral for Hubert H. Hoosman Jr. set for Monday, July 10 - St. Louis American](https://news.google.com/rss/articles/CBMioAFBVV95cUxOeThYbnMzOHhTaVh4bkVXbDEyX01laDh4alduRWJGNV9JUFJmN01SbVZnZFhTSnJKUE1IalFPRW9ZUjVKbVpQV0gxUzhoR3pjVGZ3Qk1SZHZuLXZiOTJocHZMQ2R1Q0ZUdDhoLWhDMGdoWkswV0tha3BtaFNqZ25fb2RHQmdHek1XNGxqX0VkN3JSazZRcHdPbFprUy1fc214?oc=5) · St. Louis American

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67804 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/28.json (key "67804", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=67804
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide