VANTAGE
Charter #67804 · Saint Charles, MO · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.94% sits at the 7th percentile of structural peers — worth a closer look.
- Return on average assets of -0.00% sits at the 3rd percentile of structural peers — worth a closer look.
- Net interest margin of 4.11% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 90.61% sits at the 93rd percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | VANTAGE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.15B | 11th pct | 51th pct |
| Members | 68,069 | 16th pct | 51th pct |
| Net worth ratio | 7.94% | 2th pct | 7th pct |
| Return on average assets | -0.00% | 3th pct | 3th pct |
| Net interest margin | 4.11% | 91th pct | 90th pct |
| Cost of funds | 1.00% | 20th pct | 23th pct |
| Loan-to-share | 81.08% | 35th pct | 34th pct |
| Delinquency 60+ days | 0.66% | 53th pct | 44th pct |
| Net charge-off ratio | 0.72% | 67th pct | 72th pct |
| Loan growth YoY | 1.80% | 50th pct | 59th pct |
| Share growth YoY | 3.25% | 34th pct | 39th pct |
| Efficiency ratio | 90.61% | 97th pct | 93th pct |
structural peer set hash: f41ce8d5ad807835f767953220af0b3c… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.