Vantage
Saint Charles, MO · Charter 67804 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 14 branches
Q2 2026
$1.2BAssets
$846.1MLoans
$1.1BShares
$91.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 91% of credit unions $1B-$10B in assets (rank 39 of 435).
- Widest gap: equity / assets trails 98% of credit unions $1B-$10B in assets (rank 427 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.35%
Rank 382 of 435
Net Interest Margin
4.10%
Rank 39 of 435
Efficiency Ratio
85.38%
Rank 407 of 435
Equity / Assets
7.83%
Rank 427 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.35% | 0.55% | 0.81% | 1.14% | Beats 12% | 382 / 435 | |
| Return on Equity | 4.42% | 5.12% | 7.41% | 9.70% | Beats 20% | 349 / 435 | |
| Net Interest Margin | 4.10% | 3.01% | 3.39% | 3.75% | Beats 91% | 39 / 435 | |
| Efficiency Ratio | 85.38% | 65.25% | 71.39% | 77.86% | Beats 7% | 407 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.45% | 0.69% | 1.05% | Beats 62% | 168 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.83% | 9.81% | 10.84% | 12.63% | Beats 2% | 427 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.83% | 9.81% | 10.84% | 12.63% | Beats 2% | 427 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 80.28% | 78.33% | 88.38% | 95.61% | 30th pctl | 304 / 435 | |
| Loans / Assets | 72.69% | 67.69% | 74.58% | 80.80% | 42nd pctl | 253 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |