Civic Intelligence

Vantage Credit Union

EIN 43-0739854 • 501(c)14 • St Charles, MO

View Organization Page

Profile

Enhancing your life, strengthening our community

19 Research Park CourtSt Charles, MO 63304-5616

www.vcu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

86th percentile

0.93x

Higher debt load relative to assets than 86% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Liabilities / Revenue

11th percentile

12.24x

Higher debt load relative to revenue than 11% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Net Margin

34th percentile

7.2%

Higher net margin than 34% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Top Officer Pay

57th percentile

$1,398,202

Higher top officer pay than 57% of similar nonprofits.

Top officer pay equals 1.7% of source-year revenue.

$1B+ nonprofits • Source year 2024

Asset Growth

9th percentile

-3.6%

Faster asset growth than 9% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2022 to 2024

Revenue Growth

70th percentile

23%

Faster revenue growth than 70% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets86th percentile

Assets

Down

$1,083,343,707

Down $82,989,154 (-7.1%) from 2022

Liabilities

Down

$1,005,417,344

Down $85,923,032 (-7.9%) from 2022

Net Assets

Up

$77,926,363

Up $2,933,878 (+3.9%) from 2022

Operations
Liabilities / Revenue11th percentileNet Margin34th percentile

Revenue

Up

$82,141,065

Up $27,815,637 (+51%) from 2022

Expenses

Up

$76,231,067

Up $23,605,541 (+45%) from 2022

Net Income

Up

$5,909,998

Up $4,210,096 (+248%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth9th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$1.5B$1.0B$500M$0Assets 2011: $673,355,813Liabilities 2011: $613,023,225Net Assets 2011: $60,332,5882011Assets 2012: $701,925,466Liabilities 2012: $643,540,380Net Assets 2012: $58,385,0862012Assets 2013: $705,408,966Liabilities 2013: $646,520,608Net Assets 2013: $58,888,3582013Assets 2014: $735,795,509Liabilities 2014: $676,450,037Net Assets 2014: $59,345,4722014Assets 2015: $782,378,088Liabilities 2015: $723,148,344Net Assets 2015: $59,229,7442015Assets 2017: $838,359,819Liabilities 2017: $782,874,357Net Assets 2017: $55,485,4622017Assets 2018: $849,218,056Liabilities 2018: $780,666,591Net Assets 2018: $68,551,4652018Assets 2019: $876,362,450Liabilities 2019: $808,319,562Net Assets 2019: $68,042,8882019Assets 2020: $1,011,766,016Liabilities 2020: $947,831,340Net Assets 2020: $63,934,6762020Assets 2021: $1,110,070,441Liabilities 2021: $1,038,938,225Net Assets 2021: $71,132,2162021Assets 2022: $1,166,332,861Liabilities 2022: $1,091,340,376Net Assets 2022: $74,992,4852022Assets 2024: $1,083,343,707Liabilities 2024: $1,005,417,344Net Assets 2024: $77,926,3632024

Highlighted filing

2024

Assets$1,083,343,707
Liabilities$1,005,417,344
Net Assets$77,926,363
Open 2024 Filing

Operations Trend

Revenue Growth70th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$100M$50M$0-$50MExpenses 2011: $46,845,3912011Expenses 2012: $45,447,6022012Revenue 2013: $46,583,575Expenses 2013: $44,879,911Net Income 2013: $1,703,6642013Revenue 2014: $48,903,040Expenses 2014: $45,432,474Net Income 2014: $3,470,5662014Revenue 2015: $49,527,838Expenses 2015: $49,247,386Net Income 2015: $280,4522015Revenue 2017: $50,080,865Expenses 2017: $47,093,088Net Income 2017: $2,987,7772017Revenue 2018: $56,423,711Expenses 2018: $50,528,833Net Income 2018: $5,894,8782018Revenue 2019: $51,719,890Expenses 2019: $48,818,312Net Income 2019: $2,901,5782019Revenue 2020: $49,748,283Expenses 2020: $49,715,949Net Income 2020: $32,3342020Revenue 2021: $52,226,652Expenses 2021: $52,865,494Net Income 2021: -$638,8422021Revenue 2022: $54,325,428Expenses 2022: $52,625,526Net Income 2022: $1,699,9022022Revenue 2024: $82,141,065Expenses 2024: $76,231,067Net Income 2024: $5,909,9982024

Highlighted filing

2024

Revenue$82,141,065
Expenses$76,231,067
Net Income$5,909,998
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$1,083,343,707
Liabilities
$1,005,417,344
Net assets
$77,926,363
Revenue
$82,141,065
Expenses
$76,231,067
Net income
$5,909,998
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,083$1,005$77.9$82.1$76.2$5.91
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,166$1,091$75.0$54.3$52.6$1.70
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,110$1,039$71.1$52.2$52.9$0.64
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,012$948$63.9$49.7$49.7$0.03
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$876$808$68.0$51.7$48.8$2.90
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$849$781$68.6$56.4$50.5$5.89
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$838$783$55.5$50.1$47.1$2.99
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$782$723$59.2$49.5$49.2$0.28
2014Detailed filing. Detailed filing data is available for this year.$736$676$59.3$48.9$45.4$3.47
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$705$647$58.9$46.6$44.9$1.70
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$702$644$58.4$45.4
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$673$613$60.3$46.8
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 23, 2025
Return Version
2024v5.2
Gross Receipts
$116,752,758
Mission and Program Overview

Mission

Enhancing your life, strengthening our community

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$806,956,438$799,576,014▼ $7,380,424
Investments Other Securities$192,773,745$112,689,452▼ $80,084,293
Rtn Earn Endowment Incm Other Fnds$71,372,960$77,926,363▲ $6,553,403
Land, Buildings, and Equipment, Net$48,493,188$48,207,382▼ $285,806
Savings and Temporary Cash Investments$68,067,233$48,024,293▼ $20,042,940
Cash and Non-Interest-Bearing Accounts$30,112,067$35,284,350▲ $5,172,283
Prepaid Expenses and Deferred Charges$2,968,733$3,528,153▲ $559,420
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,198,376,782$1,083,343,707▼ $115,033,075
Other Assets Total$49,005,378$36,034,063▼ $12,971,315
Liabilities
Other Liabilities$983,076,278$948,595,088▼ $34,481,190
Mortgage Notes Payable Secured by Investment Property$115,289,954$35,052,943▼ $80,237,011
Accounts Payable and Accrued Expenses$27,730,665$20,601,341▼ $7,129,324
Escrow Account Liability$906,925$1,167,972▲ $261,047
Total Liabilities$1,127,003,822$1,005,417,344▼ $121,586,478
Net Assets / Fund Balance
Total Net Assets Fund Balance$71,372,960$77,926,363▲ $6,553,403
Total Liabilities and Net Assets / Fund Balance$1,198,376,782$1,083,343,707▼ $115,033,075

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$27,550,661$11,969,952$39,520,613
Equipment$6,501,845$18,735,303$25,237,148
Land$13,195,757-$13,195,757
Leasehold Improvements$885,742$1,930,365$2,816,107
Other Land Buildings$73,377$237,946$311,323
Other Securities$15,995,796--
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Eric AcreePresident & CEOFT$556,882$841,320$1,398,202
Michael GatrellChief Growth & Rev OfficerFT$348,409$813,463$1,161,872
Kelly HuffDirector - Investment ServicesFT$98,632$590,216$688,848
John HopkinsChief Risk OfficerFT$269,049$284,985$554,034
Douglas RuckmanChief Financial OfficerFT$288,062$102,287$390,349
Christopher SmithDirector - Mortgage SolutiFT$33,620$225,602$259,222
Amanda BarcliffSenior Financial ConsultanFT$12,261$220,403$232,664
Jonathan BroadfieldInformation Security OfficFT$167,381$45,188$212,569
Hans SmithSenior Financial ConsultanFT$14,630$177,775$192,405
Terry RabyVP - DcitFT$153,898$32,701$186,599
Daniel DolanSecretary Treasurer-$10,339-$10,339
Dr Barbara Evans-cunninghamDirector-$1,858-$1,858
Mark RudolphVice Chairman-$1,793-$1,793

Board Members and Trustees

NameTitle
Dr Jerry EichholzChairman
Bob KlugeDirector
Linda CeriottiDirector
Toni MartinDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Ncr AtleosAtm Management14181 COLLECTIONS CENTER DR, Chicago, IL 60693$1,420,762
Jack Henry & Associates INCFinancial TechnologyPO BOX 609, Monett, MO 65708$998,990
Allied Solutions LLCRisk Management And Insurance350 VETERANS WAY, Carmel, IN 46032$862,372
Shi International CorpIt Procurement And LicensingPO BOX 952121, Dallas, TX 75395$822,093
Strategic Resource ManagementWorkforce Optimization5100 POPLAR AVE, Memphis, TN 38137$692,367
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$70,958,870
Investment Income
$5,903,713
Other Revenue
$5,278,482
Change in Net Assets
$5,909,998

Audited Revenue Reconciliation

Revenue per Audited Statements
$82,141,065
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$82,141,065
Total Revenue per Form 990
$82,141,065
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$49,327,732
Salaries, Compensation, and Employee Benefits$26,893,335
Grants and Similar Amounts Paid$10,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$17,970,385
Information Technology---$5,224,512
Interest---$4,053,452
Current Officers, Directors, Trustees, and Key Employees---$3,734,668
Office Expenses---$3,495,843
Depreciation Depletion---$3,484,019
Other Employee Benefits---$3,234,222
Occupancy---$2,546,849
Advertising---$1,649,474
Fees for Services Other---$1,577,431
Payroll Taxes---$1,311,474
Other Expenses---$1,061,115
Pension Plan Contributions---$642,586
Insurance---$345,974
Fees for Services Legal---$273,461
Fees for Services Accounting---$234,898
Travel---$139,307
Conferences and Meetings---$132,396
Grants to Domestic Individuals---$10,000
Total Functional Expenses$0$0$0$76,231,067

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$76,231,067
Total Expenses per Audited Statements$76,231,067
Total Expenses per Form 990$76,231,067
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$4,575
Total Exempt Function Spending$4,575

Section 527 Organizations

OrganizationLocationAmount
43-1310069Jefferson City, MO$4,575
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$948,595,088
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is mutually owned by members.”

Form 990, Part VI, Section A, Line 7A

“The board of directors are elected by the credit union members.”

Form 990, Part VI, Section A, Line 7B

“Certain significant changes are subject to approval by the credit union members; however, no such changes were made during the year.”

Form 990, Part VI, Section B, Line 11B

“Credit union management provides an outside accounting firm the data needed to prepare the form 990, and senior management reviews it prior to filing.”

Form 990, Part VI, Section B, Line 12C

“On an annual basis, the president and all directors, committee members, and key employees are required to review the conflict of interest policy, disclose any interests that could give rise to conflicts, and submit a signed statement to that effect. These statements are maintained on file at the credit union.”

Form 990, Part VI, Section B, Line 15

“The compensation committee of the board of directors reviews the president's performance and determines compensation with the assistance of an independent consultant and pursuant to a signed employment contract. All other management compensation is determined by the president and is presented as part of the budget package to the board of directors for approval. The board's deliberations and decisions are documented in the minutes.”

Form 990, Part VI, Section C, Line 19

“Financial statements are presented at the annual meeting and are available upon request. In addition, the ncua website posts financial information as part of the quarterly call reports. Other documents, policies, and procedures are available upon request.”

Filing and Contact Details

Filer

Filer Name
Vantage Credit Union
EIN
43-0739854
Phone
3142980055
Address
19 RESEARCH PARK COURT, ST CHARLES, MO 63304-5616

Signing Officer

Name
Douglas Ruckman
Title
Chief Financial Officer
Phone
3142980055
Signed
2025-10-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Eric Acree
Formed
1957
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
314
Volunteers
12

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061-6454
Preparer
Gerald Tenbrink
Phone
9138946214
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Minimum pension liability adjustment -2,710,676.”

Financial Statement Notes

PART IV, LINE 2B:

“The credit union maintains escrow accounts for insurance and property taxes related to member real estate loans. In addition, in coordination with greenpath financial wellness, the credit union provides members with free financial education and counseling on the website.”

PART X, LINE 2:

“The credit union is exempt by statute from federal income taxes under the provisions of section 501 of the internal revenue code (irc) of 1954; however, the credit union's unrelated business income is subject to federal income taxes. There were no significant income taxes for the years ended december 31, 2024 and december 31, 2023. Accounting principles prescribe a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. The credit union had no unrecognized tax positions on december 31, 2024 and december 31, 2023. It is the credit union's policy to record any penalties or interest arising from federal or state taxes as a component of noninterest expense.”

Raw XML AppendixShowing 400 of 728 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1632701
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IRS990/Form990PartVIISectionAGrp/PersonNm1DANIEL DOLAN
IRS990/Form990PartVIISectionAGrp/PersonNm2MARK RUDOLPH
IRS990/Form990PartVIISectionAGrp/PersonNm3TONI MARTIN
IRS990/Form990PartVIISectionAGrp/PersonNm4LINDA CERIOTTI
IRS990/Form990PartVIISectionAGrp/PersonNm5DR BARBARA EVANS-CUNNINGHAM
IRS990/Form990PartVIISectionAGrp/PersonNm6BOB KLUGE
IRS990/Form990PartVIISectionAGrp/PersonNm7ERIC ACREE
IRS990/Form990PartVIISectionAGrp/PersonNm8DOUGLAS RUCKMAN
IRS990/Form990PartVIISectionAGrp/PersonNm9JOHN HOPKINS
IRS990/Form990PartVIISectionAGrp/PersonNm10MICHAEL GATRELL
IRS990/Form990PartVIISectionAGrp/PersonNm11JONATHAN BROADFIELD
IRS990/Form990PartVIISectionAGrp/PersonNm12CHRISTOPHER SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm13AMANDA BARCLIFF
IRS990/Form990PartVIISectionAGrp/PersonNm14HANS SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm15KELLY HUFF
IRS990/Form990PartVIISectionAGrp/PersonNm16TERRY RABY
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt9CHIEF RISK OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHIEF GROWTH & REV OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt11INFORMATION SECURITY OFFIC
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR - MORTGAGE SOLUTI
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IRS990/Form990PartVIISectionAGrp/TitleTxt14SENIOR FINANCIAL CONSULTAN
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR - INVESTMENT SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP - DCIT
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IRS990/OtherRevenueMiscGrp/Desc0GAIN ON DISSOLUTION OF DEFINED BE
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IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INSURANCE & WARRANTIES
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IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2024, THERE WERE 102,208 LOANS OUTSTANDING TOTALING $807,000,417.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $10,901,523 FOR THE YEAR.
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt077926363
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IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0431310069
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CUPAC OF MISSOURI
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IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt0223 MADISON STREET
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0JEFFERSON CITY
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IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd065101
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0CONTRIBUTIONS TO A CREDIT UNION PAC
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I-A, LINE B
IRS990ScheduleC/TotalExemptFunctionExpendAmt04575
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IRS990ScheduleD/FootnoteTextInd0X

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