2018 ANNUAL REPORT
Dr. Jerry R. Eichholz Chairman
REPORT FROM THE Board of Directors “What you do is your history. What you set in motion is your legacy.” – Leonard Sweet Legacy is about purpose. It can best be described as a journey through time—a process of harnessing the past to cultivate the future—and the wisdom, values and insight that come from years of ongoing development and experience. Legacy connects us to a sense of meaning beyond ourselves and is the driving force behind the imprint we leave on the world. Things that sustain are built on a solid foundation. For over six decades, Vantage Credit Union has continued to build upon a legacy of trust, leadership, and outstanding service. A lot has changed since 1957 when a group of teachers combined their resources to establish the Suburban Teachers Credit Union, but the same values and commitments that inspired our beginning remain true today. As we continue to embark on each stage of our journey, our foundation of purpose and shared values not only support our mission of innovation, growth, and sustainability, but are the building blocks that fuel viability and inspire the ambition to evolve. We are in a process of perpetual change and improvement, and continue to enhance programs and processes, elevate expectations of engagement, and drive accountability. By providing exceptional experiences every day—by being mindful of the decisions we make, pursuing wellness on every level, and consistently delivering to our performance standards—we enrich the lives of those we serve, scaling heights that never could have been imagined. As we celebrate over sixty years of success, we do so knowing that we are positioning ourselves and our legacy for a bright future. From home loans to life insurance and debt consolidation to wealth management, we continue to help our members grow and protect what’s important to them so they can spend less time worrying about their legacy and spend more time living it.

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Eric Acree President & Chief Executive Officer
REPORT FROM Management “2018 was the best year of financial performance in our 61-year history.” Becoming a legacy requires flexibility, consistency and innovation. A blueprint of ongoing development, legacies are in a constant state of flux and long-term viability requires continuous improvement—planning, implementation and accountability. I’m pleased to report that 2018 was the best year of financial performance in Vantage Credit Union’s 61-year history! This achievement was made possible by the active participation of our loyal member-owners—the heart of our legacy—and the dedicated support of our passionate staff and volunteers. During 2018, your credit union’s strong financial performance allowed us to return more value back to our members in the form of competitive pricing, fewer fees and new services. Members received nearly $4.1 million in dividends, up 45% from the previous year, while we charged 10% less in fees. In addition, we took our first steps toward enhancing the overall branch experience with the installation of personal teller machines (PTMs) and refreshed lobby design at our Bridgeton branch. We also broke ground at a new branch location in St. Peters which will open in the summer of 2019 and introduced a unique 0% down mortgage product for educators you can’t find elsewhere. Our legacy of weaving “good” into everything we do continued through giving tens of thousands of dollars to local charities and in college scholarships. Our commitment to exceed expectations of our members and the community has positioned us for success and longevity. Following in the footsteps of our founding leaders, we’ve continued building upon our legacy, evolving and embracing new technologies to meet the growing needs of our membership. We’ve reinforced our desire to ensure members receive the maximum benefit from their relationship with Vantage and continue to experience convenience and value. Moving into 2019, we’ll continue to push the boundaries of excellence and ingenuity. As caretakers of a great credit union history and shepherds of a promising future, we’re ensuring that Vantage Credit Union is here for you and your family for years to come. We’re building a legacy. One experience at a time.

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Mark Rudolph
REPORT FROM THE Secretary / Treasurer “The great use of life is to spend it for something that will outlast it.” – William James Building an established, long-term legacy requires strength, sustainability and consistency. Success is a result of its performance strategy—structure, implementation and resilience—and is achieved by perseverance and a genuine intention to leave value. At Vantage Credit Union, our legacy is one of discipline, stability and a commitment to member-focused service. These attributes have established a culture of ethical leadership, reflecting our values of always putting people first. As we continue to build and enhance our already solid financial foundation, our future growth will always be commensurate with meeting the needs of our membership, as together we help create a prosperous and sustainable local community. For nearly six decades, Vantage Credit Union has worked tirelessly to earn the trust of members, all while maintaining the highest standards of integrity and responsible financial management. All members can be proud of our strong financial and operating performance results. 2018 marked a new standard that we will continue to aim for through focused objectives that encourage sustainability and vitality.

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Diane Pisacreta Chairman
REPORT FROM THE Supervisory Committee “Coming together is a beginning; keeping together is progress; working together is success.” – Henry Ford Legacy is about creating something that leaves a lasting impression or impact. It’s an ongoing process, guided by a team of invested leaders who understand the framework of creating a vision, building alignment and championing execution. At Vantage Credit Union, we’re dedicated to the financial empowerment of our members and depend on the valuable experiences and intellectual capital of our high-performing talent to ensure sustained excellence in future years to come. The Supervisory Committee, appointed by the Board of Directors, is responsible for ensuring the effectiveness of the internal control structure within the credit union. They oversee the scope of our internal audit team which is made up of three highly-skilled professionals—John Hopkins, our Chief Risk Officer, Cheri Schneier, our Senior Auditor and Jessica Kovar, our Internal Auditor—to ensure the accuracy of records, ensuring that member assets are adequately safeguarded, and that operations are in full compliance with all federal and state regulations. The comprehensive annual audit required by federal and state law was completed by Stephen Lang & Associates. After reviewing the results of our annual audit, Vantage continues to maintain the highest level of financial standards, receiving the best audit opinion possible—an Unqualified Opinion. The full report underscores the continued financial strength and viability of your credit union. We will remain vigilant in our efforts of ensuring the financial soundness of the credit union. Our commitment to continually strengthen the legacy of Vantage while fostering growth and innovation is what has positioned our legacy for success and longevity.

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Approved 2018 Budget
Income Interest on Loans Interest on Investments Other Income Total Income Expenses Interest Expense Employee Expense Operating Expense Total Expenses Surplus  25,571,066 8,108,331 19,630,024 $53,309,421 5,054,120 21,266,261 24,292,826 $50,613,207 $2,696,214
Statement of Financial Condition For Fiscal Years Ending: 2016, 2017, 2018

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Statement of Income & Expenses For Fiscal Years Ending: 2016, 2017, 2018

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Shares, Assets & Net Loans For Fiscal Years Ending: 2016, 2017, 2018
Loan Statistics

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2018 Travel Expenses Board of Directors and Volunteers
Dr. William Solomon Hawaiian Islands CU Cruise Dr. Walter Owen Hawaiian Islands CU Cruise Dr. Paul Zielger Hawaiian Islands CU Cruise Dr. Jerry Eichholz NACUC October 2018 Lisa Kampmeinert Hawaiian Islands CU Cruise Diane Pisacreta Fintech Mark Rudolph NCUMA Summer Conference Dr. Paul Zielger New Year’s Cruise Total Travel Expenses Paid  October 2018 October 2018 October 2018 October 2018 October 2018 July 2018 July 2018 January 2018 $57,367.28

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REPORT FROM THE Nominating Committee The credit union’s 2019 Nominating Committee proudly recommends the following candidates to fill the vacancies on Vantage Credit Union’s Board of Directors. Each candidate is nominated for a three-year term. Dr. Barbara Evans-Cunningham Dr. Evans-Cunningham served in the United States Army, and upon retiring continued to serve veterans as a VA Claims Examiner. As a volunteer with government services, non-profit organizations and community outreach programs for over 20 years, she’s gained vast experience in evaluating financial policies and analysis, strategic planning and development, approving budgets, reviewing and understanding financial trends, and collaborating with diverse likeminded thinkers. Barbara has been a member of Vantage for over 20 years and currently serves as a member of the Supervisory Committee. She earned her CUNA VAP Volunteer and Regulatory Compliance pins and is currently enrolled in additional courses. She’s also a board director of the Zeta Charitable Foundation of St. Louis and executive board chair of Xi Zeta Chapter, St. Louis. 
Mr. Dan Dolan Mr. Dolan is the president of Westport Car Wash, a small business with three locations in the St. Louis area that he’s owned and operated for the past 15 years. Prior to becoming an entrepreneur, he worked for Centric Group, a subsidiary of Enterprise Rent-A-Car. Dan has also served on several boards over the years, most recently as a volunteer for the non-profit organization, Teachers For A Better Belize which offers teacher training and support in southern Belize. He handles various duties for TFABB, including fundraising, finances and organizational logistics. Mr. Dolan has been a member of the credit union for over 25 years. He is married with four children and resides in St. Louis County. Mr. Daniel Isom Mr. Isom is a retired Facilities Division Administrator from the Parkway School District, where he worked for nearly 25 years. While there, he received many awards and commendations for meritorious service. He’s also served and participated as a volunteer with various charitable organizations including the Parkway Education Foundation, Boy Scouts of America, St. Vincent DePaul, Holy Name Societies and his parish school board. Mr. Isom has served Vantage in various volunteer positions for more than 20 years and is currently a director on the board. He lives in Lake St. Louis with his wife of 57 years, and has three grown children and six grandchildren. His passions include working on old cars and playing golf.
This credit union is federally insured by the National Credit Union Administration.
Dr. Jerry R. Eichholz Chairman
REPORT FROM THE Board of Directors “What you do is your history. What you set in motion is your legacy.” – Leonard Sweet Legacy is about purpose. It can best be described as a journey through time—a process of harnessing the past to cultivate the future—and the wisdom, values and insight that come from years of ongoing development and experience. Legacy connects us to a sense of meaning beyond ourselves and is the driving force behind the imprint we leave on the world. Things that sustain are built on a solid foundation. For over six decades, Vantage Credit Union has continued to build upon a legacy of trust, leadership, and outstanding service. A lot has changed since 1957 when a group of teachers combined their resources to establish the Suburban Teachers Credit Union, but the same values and commitments that inspired our beginning remain true today. As we continue to embark on each stage of our journey, our foundation of purpose and shared values not only support our mission of innovation, growth, and sustainability, but are the building blocks that fuel viability and inspire the ambition to evolve. We are in a process of perpetual change and improvement, and continue to enhance programs and processes, elevate expectations of engagement, and drive accountability. By providing exceptional experiences every day—by being mindful of the decisions we make, pursuing wellness on every level, and consistently delivering to our performance standards—we enrich the lives of those we serve, scaling heights that never could have been imagined. As we celebrate over sixty years of success, we do so knowing that we are positioning ourselves and our legacy for a bright future. From home loans to life insurance and debt consolidation to wealth management, we continue to help our members grow and protect what’s important to them so they can spend less time worrying about their legacy and spend more time living it.
Eric Acree President & Chief Executive Officer
REPORT FROM Management “2018 was the best year of financial performance in our 61-year history.” Becoming a legacy requires flexibility, consistency and innovation. A blueprint of ongoing development, legacies are in a constant state of flux and long-term viability requires continuous improvement—planning, implementation and accountability. I’m pleased to report that 2018 was the best year of financial performance in Vantage Credit Union’s 61-year history! This achievement was made possible by the active participation of our loyal member-owners—the heart of our legacy—and the dedicated support of our passionate staff and volunteers. During 2018, your credit union’s strong financial performance allowed us to return more value back to our members in the form of competitive pricing, fewer fees and new services. Members received nearly $4.1 million in dividends, up 45% from the previous year, while we charged 10% less in fees. In addition, we took our first steps toward enhancing the overall branch experience with the installation of personal teller machines (PTMs) and refreshed lobby design at our Bridgeton branch. We also broke ground at a new branch location in St. Peters which will open in the summer of 2019 and introduced a unique 0% down mortgage product for educators you can’t find elsewhere. Our legacy of weaving “good” into everything we do continued through giving tens of thousands of dollars to local charities and in college scholarships. Our commitment to exceed expectations of our members and the community has positioned us for success and longevity. Following in the footsteps of our founding leaders, we’ve continued building upon our legacy, evolving and embracing new technologies to meet the growing needs of our membership. We’ve reinforced our desire to ensure members receive the maximum benefit from their relationship with Vantage and continue to experience convenience and value. Moving into 2019, we’ll continue to push the boundaries of excellence and ingenuity. As caretakers of a great credit union history and shepherds of a promising future, we’re ensuring that Vantage Credit Union is here for you and your family for years to come. We’re building a legacy. One experience at a time.
Mark Rudolph
REPORT FROM THE Secretary / Treasurer “The great use of life is to spend it for something that will outlast it.” – William James Building an established, long-term legacy requires strength, sustainability and consistency. Success is a result of its performance strategy—structure, implementation and resilience—and is achieved by perseverance and a genuine intention to leave value. At Vantage Credit Union, our legacy is one of discipline, stability and a commitment to member-focused service. These attributes have established a culture of ethical leadership, reflecting our values of always putting people first. As we continue to build and enhance our already solid financial foundation, our future growth will always be commensurate with meeting the needs of our membership, as together we help create a prosperous and sustainable local community. For nearly six decades, Vantage Credit Union has worked tirelessly to earn the trust of members, all while maintaining the highest standards of integrity and responsible financial management. All members can be proud of our strong financial and operating performance results. 2018 marked a new standard that we will continue to aim for through focused objectives that encourage sustainability and vitality.
Diane Pisacreta Chairman
REPORT FROM THE Supervisory Committee “Coming together is a beginning; keeping together is progress; working together is success.” – Henry Ford Legacy is about creating something that leaves a lasting impression or impact. It’s an ongoing process, guided by a team of invested leaders who understand the framework of creating a vision, building alignment and championing execution. At Vantage Credit Union, we’re dedicated to the financial empowerment of our members and depend on the valuable experiences and intellectual capital of our high-performing talent to ensure sustained excellence in future years to come. The Supervisory Committee, appointed by the Board of Directors, is responsible for ensuring the effectiveness of the internal control structure within the credit union. They oversee the scope of our internal audit team which is made up of three highly-skilled professionals—John Hopkins, our Chief Risk Officer, Cheri Schneier, our Senior Auditor and Jessica Kovar, our Internal Auditor—to ensure the accuracy of records, ensuring that member assets are adequately safeguarded, and that operations are in full compliance with all federal and state regulations. The comprehensive annual audit required by federal and state law was completed by Stephen Lang & Associates. After reviewing the results of our annual audit, Vantage continues to maintain the highest level of financial standards, receiving the best audit opinion possible—an Unqualified Opinion. The full report underscores the continued financial strength and viability of your credit union. We will remain vigilant in our efforts of ensuring the financial soundness of the credit union. Our commitment to continually strengthen the legacy of Vantage while fostering growth and innovation is what has positioned our legacy for success and longevity.
Approved 2018 Budget
Income Interest on Loans Interest on Investments Other Income Total Income Expenses Interest Expense Employee Expense Operating Expense Total Expenses Surplus  25,571,066 8,108,331 19,630,024 $53,309,421 5,054,120 21,266,261 24,292,826 $50,613,207 $2,696,214
Statement of Financial Condition For Fiscal Years Ending: 2016, 2017, 2018
Statement of Income & Expenses For Fiscal Years Ending: 2016, 2017, 2018
Shares, Assets & Net Loans For Fiscal Years Ending: 2016, 2017, 2018
Loan Statistics
2018 Travel Expenses Board of Directors and Volunteers
Dr. William Solomon Hawaiian Islands CU Cruise Dr. Walter Owen Hawaiian Islands CU Cruise Dr. Paul Zielger Hawaiian Islands CU Cruise Dr. Jerry Eichholz NACUC October 2018 Lisa Kampmeinert Hawaiian Islands CU Cruise Diane Pisacreta Fintech Mark Rudolph NCUMA Summer Conference Dr. Paul Zielger New Year’s Cruise Total Travel Expenses Paid  October 2018 October 2018 October 2018 October 2018 October 2018 July 2018 July 2018 January 2018 $57,367.28
REPORT FROM THE Nominating Committee The credit union’s 2019 Nominating Committee proudly recommends the following candidates to fill the vacancies on Vantage Credit Union’s Board of Directors. Each candidate is nominated for a three-year term. Dr. Barbara Evans-Cunningham Dr. Evans-Cunningham served in the United States Army, and upon retiring continued to serve veterans as a VA Claims Examiner. As a volunteer with government services, non-profit organizations and community outreach programs for over 20 years, she’s gained vast experience in evaluating financial policies and analysis, strategic planning and development, approving budgets, reviewing and understanding financial trends, and collaborating with diverse likeminded thinkers. Barbara has been a member of Vantage for over 20 years and currently serves as a member of the Supervisory Committee. She earned her CUNA VAP Volunteer and Regulatory Compliance pins and is currently enrolled in additional courses. She’s also a board director of the Zeta Charitable Foundation of St. Louis and executive board chair of Xi Zeta Chapter, St. Louis. 
Mr. Dan Dolan Mr. Dolan is the president of Westport Car Wash, a small business with three locations in the St. Louis area that he’s owned and operated for the past 15 years. Prior to becoming an entrepreneur, he worked for Centric Group, a subsidiary of Enterprise Rent-A-Car. Dan has also served on several boards over the years, most recently as a volunteer for the non-profit organization, Teachers For A Better Belize which offers teacher training and support in southern Belize. He handles various duties for TFABB, including fundraising, finances and organizational logistics. Mr. Dolan has been a member of the credit union for over 25 years. He is married with four children and resides in St. Louis County. Mr. Daniel Isom Mr. Isom is a retired Facilities Division Administrator from the Parkway School District, where he worked for nearly 25 years. While there, he received many awards and commendations for meritorious service. He’s also served and participated as a volunteer with various charitable organizations including the Parkway Education Foundation, Boy Scouts of America, St. Vincent DePaul, Holy Name Societies and his parish school board. Mr. Isom has served Vantage in various volunteer positions for more than 20 years and is currently a director on the board. He lives in Lake St. Louis with his wife of 57 years, and has three grown children and six grandchildren. His passions include working on old cars and playing golf.
2018 ANNUAL REPORT
This credit union is federally insured by the National Credit Union Administration.
Dr. Jerry R. Eichholz Chairman
REPORT FROM THE Board of Directors “What you do is your history. What you set in motion is your legacy.” – Leonard Sweet Legacy is about purpose. It can best be described as a journey through time—a process of harnessing the past to cultivate the future—and the wisdom, values and insight that come from years of ongoing development and experience. Legacy connects us to a sense of meaning beyond ourselves and is the driving force behind the imprint we leave on the world. Things that sustain are built on a solid foundation. For over six decades, Vantage Credit Union has continued to build upon a legacy of trust, leadership, and outstanding service. A lot has changed since 1957 when a group of teachers combined their resources to establish the Suburban Teachers Credit Union, but the same values and commitments that inspired our beginning remain true today. As we continue to embark on each stage of our journey, our foundation of purpose and shared values not only support our mission of innovation, growth, and sustainability, but are the building blocks that fuel viability and inspire the ambition to evolve. We are in a process of perpetual change and improvement, and continue to enhance programs and processes, elevate expectations of engagement, and drive accountability. By providing exceptional experiences every day—by being mindful of the decisions we make, pursuing wellness on every level, and consistently delivering to our performance standards—we enrich the lives of those we serve, scaling heights that never could have been imagined. As we celebrate over sixty years of success, we do so knowing that we are positioning ourselves and our legacy for a bright future. From home loans to life insurance and debt consolidation to wealth management, we continue to help our members grow and protect what’s important to them so they can spend less time worrying about their legacy and spend more time living it.
Eric Acree President & Chief Executive Officer
REPORT FROM Management “2018 was the best year of financial performance in our 61-year history.” Becoming a legacy requires flexibility, consistency and innovation. A blueprint of ongoing development, legacies are in a constant state of flux and long-term viability requires continuous improvement—planning, implementation and accountability. I’m pleased to report that 2018 was the best year of financial performance in Vantage Credit Union’s 61-year history! This achievement was made possible by the active participation of our loyal member-owners—the heart of our legacy—and the dedicated support of our passionate staff and volunteers. During 2018, your credit union’s strong financial performance allowed us to return more value back to our members in the form of competitive pricing, fewer fees and new services. Members received nearly $4.1 million in dividends, up 45% from the previous year, while we charged 10% less in fees. In addition, we took our first steps toward enhancing the overall branch experience with the installation of personal teller machines (PTMs) and refreshed lobby design at our Bridgeton branch. We also broke ground at a new branch location in St. Peters which will open in the summer of 2019 and introduced a unique 0% down mortgage product for educators you can’t find elsewhere. Our legacy of weaving “good” into everything we do continued through giving tens of thousands of dollars to local charities and in college scholarships. Our commitment to exceed expectations of our members and the community has positioned us for success and longevity. Following in the footsteps of our founding leaders, we’ve continued building upon our legacy, evolving and embracing new technologies to meet the growing needs of our membership. We’ve reinforced our desire to ensure members receive the maximum benefit from their relationship with Vantage and continue to experience convenience and value. Moving into 2019, we’ll continue to push the boundaries of excellence and ingenuity. As caretakers of a great credit union history and shepherds of a promising future, we’re ensuring that Vantage Credit Union is here for you and your family for years to come. We’re building a legacy. One experience at a time.
Mark Rudolph
REPORT FROM THE Secretary / Treasurer “The great use of life is to spend it for something that will outlast it.” – William James Building an established, long-term legacy requires strength, sustainability and consistency. Success is a result of its performance strategy—structure, implementation and resilience—and is achieved by perseverance and a genuine intention to leave value. At Vantage Credit Union, our legacy is one of discipline, stability and a commitment to member-focused service. These attributes have established a culture of ethical leadership, reflecting our values of always putting people first. As we continue to build and enhance our already solid financial foundation, our future growth will always be commensurate with meeting the needs of our membership, as together we help create a prosperous and sustainable local community. For nearly six decades, Vantage Credit Union has worked tirelessly to earn the trust of members, all while maintaining the highest standards of integrity and responsible financial management. All members can be proud of our strong financial and operating performance results. 2018 marked a new standard that we will continue to aim for through focused objectives that encourage sustainability and vitality.
Diane Pisacreta Chairman
REPORT FROM THE Supervisory Committee “Coming together is a beginning; keeping together is progress; working together is success.” – Henry Ford Legacy is about creating something that leaves a lasting impression or impact. It’s an ongoing process, guided by a team of invested leaders who understand the framework of creating a vision, building alignment and championing execution. At Vantage Credit Union, we’re dedicated to the financial empowerment of our members and depend on the valuable experiences and intellectual capital of our high-performing talent to ensure sustained excellence in future years to come. The Supervisory Committee, appointed by the Board of Directors, is responsible for ensuring the effectiveness of the internal control structure within the credit union. They oversee the scope of our internal audit team which is made up of three highly-skilled professionals—John Hopkins, our Chief Risk Officer, Cheri Schneier, our Senior Auditor and Jessica Kovar, our Internal Auditor—to ensure the accuracy of records, ensuring that member assets are adequately safeguarded, and that operations are in full compliance with all federal and state regulations. The comprehensive annual audit required by federal and state law was completed by Stephen Lang & Associates. After reviewing the results of our annual audit, Vantage continues to maintain the highest level of financial standards, receiving the best audit opinion possible—an Unqualified Opinion. The full report underscores the continued financial strength and viability of your credit union. We will remain vigilant in our efforts of ensuring the financial soundness of the credit union. Our commitment to continually strengthen the legacy of Vantage while fostering growth and innovation is what has positioned our legacy for success and longevity.
Approved 2018 Budget
Income Interest on Loans Interest on Investments Other Income Total Income Expenses Interest Expense Employee Expense Operating Expense Total Expenses Surplus  25,571,066 8,108,331 19,630,024 $53,309,421 5,054,120 21,266,261 24,292,826 $50,613,207 $2,696,214
Statement of Financial Condition For Fiscal Years Ending: 2016, 2017, 2018
Statement of Income & Expenses For Fiscal Years Ending: 2016, 2017, 2018
Shares, Assets & Net Loans For Fiscal Years Ending: 2016, 2017, 2018
Loan Statistics
2018 Travel Expenses Board of Directors and Volunteers
Dr. William Solomon Hawaiian Islands CU Cruise Dr. Walter Owen Hawaiian Islands CU Cruise Dr. Paul Zielger Hawaiian Islands CU Cruise Dr. Jerry Eichholz NACUC October 2018 Lisa Kampmeinert Hawaiian Islands CU Cruise Diane Pisacreta Fintech Mark Rudolph NCUMA Summer Conference Dr. Paul Zielger New Year’s Cruise Total Travel Expenses Paid  October 2018 October 2018 October 2018 October 2018 October 2018 July 2018 July 2018 January 2018 $57,367.28
REPORT FROM THE Nominating Committee The credit union’s 2019 Nominating Committee proudly recommends the following candidates to fill the vacancies on Vantage Credit Union’s Board of Directors. Each candidate is nominated for a three-year term. Dr. Barbara Evans-Cunningham Dr. Evans-Cunningham served in the United States Army, and upon retiring continued to serve veterans as a VA Claims Examiner. As a volunteer with government services, non-profit organizations and community outreach programs for over 20 years, she’s gained vast experience in evaluating financial policies and analysis, strategic planning and development, approving budgets, reviewing and understanding financial trends, and collaborating with diverse likeminded thinkers. Barbara has been a member of Vantage for over 20 years and currently serves as a member of the Supervisory Committee. She earned her CUNA VAP Volunteer and Regulatory Compliance pins and is currently enrolled in additional courses. She’s also a board director of the Zeta Charitable Foundation of St. Louis and executive board chair of Xi Zeta Chapter, St. Louis. 
Mr. Dan Dolan Mr. Dolan is the president of Westport Car Wash, a small business with three locations in the St. Louis area that he’s owned and operated for the past 15 years. Prior to becoming an entrepreneur, he worked for Centric Group, a subsidiary of Enterprise Rent-A-Car. Dan has also served on several boards over the years, most recently as a volunteer for the non-profit organization, Teachers For A Better Belize which offers teacher training and support in southern Belize. He handles various duties for TFABB, including fundraising, finances and organizational logistics. Mr. Dolan has been a member of the credit union for over 25 years. He is married with four children and resides in St. Louis County. Mr. Daniel Isom Mr. Isom is a retired Facilities Division Administrator from the Parkway School District, where he worked for nearly 25 years. While there, he received many awards and commendations for meritorious service. He’s also served and participated as a volunteer with various charitable organizations including the Parkway Education Foundation, Boy Scouts of America, St. Vincent DePaul, Holy Name Societies and his parish school board. Mr. Isom has served Vantage in various volunteer positions for more than 20 years and is currently a director on the board. He lives in Lake St. Louis with his wife of 57 years, and has three grown children and six grandchildren. His passions include working on old cars and playing golf.
2018 ANNUAL REPORT
This credit union is federally insured by the National Credit Union Administration.
  • Report from the Board of Directors
    ﷯Dr. Jerry R. Eichholz Chairman i “What you do is your history. What you set in motion is your legacy.” – Leonard Sweet Legacy is about purpose. It can best be described as a journey through time—a process of harnessing the past to cultivate the future—and the wisdom, values and insight that come from years of ongoing development and experience. Legacy connects us to a sense of meaning beyond ourselves and is the driving force behind the imprint we leave on the world. Things that sustain are built on a solid foundation. For over six decades, Vantage Credit Union has continued to build upon a legacy of trust, leadership, and outstanding service. A lot has changed since 1957 when a group of teachers combined their resources to establish the Suburban Teachers Credit Union, but the same values and commitments that inspired our beginning remain true today. As we continue to embark on each stage of our journey, our foundation of purpose and shared values not only support our mission of innovation, growth, and sustainability, but are the building blocks that fuel viability and inspire the ambition to evolve. We are in a process of perpetual change and improvement, and continue to enhance programs and processes, elevate expectations of engagement, and drive accountability. By providing exceptional experiences every day—by being mindful of the decisions we make, pursuing wellness on every level, and consistently delivering to our performance standards—we enrich the lives of those we serve, scaling heights that never could have been imagined. As we celebrate over sixty years of success, we do so knowing that we are positioning ourselves and our legacy for a bright future. From home loans to life insurance and debt consolidation to wealth management, we continue to help our members grow and protect what’s important to them so they can spend less time worrying about their legacy and spend more time living it.
  • Report from Management
    ﷯Eric Acree President & Chief Executive Officer “2018 was the best year of financial performance in our 61-year history.” Becoming a legacy requires flexibility, consistency and innovation. A blueprint of ongoing development, legacies are in a constant state of flux and long-term viability requires continuous improvement—planning, implementation and accountability. I’m pleased to report that 2018 was the best year of financial performance in Vantage Credit Union’s 61-year history! This achievement was made possible by the active participation of our loyal member-owners—the heart of our legacy—and the dedicated support of our passionate staff and volunteers. During 2018, your credit union’s strong financial performance allowed us to return more value back to our members in the form of competitive pricing, fewer fees and new services. Members received nearly $4.1 million in dividends, up 45% from the previous year, while we charged 10% less in fees. In addition, we took our first steps toward enhancing the overall branch experience with the installation of personal teller machines (PTMs) and refreshed lobby design at our Bridgeton branch. We also broke ground at a new branch location in St. Peters which will open in the summer of 2019 and introduced a unique 0% down mortgage product for educators you can’t find elsewhere. Our legacy of weaving “good” into everything we do continued through giving tens of thousands of dollars to local charities and in college scholarships. Our commitment to exceed expectations of our members and the community has positioned us for success and longevity. Following in the footsteps of our founding leaders, we’ve continued building upon our legacy, evolving and embracing new technologies to meet the growing needs of our membership. We’ve reinforced our desire to ensure members receive the maximum benefit from their relationship with Vantage and continue to experience convenience and value. Moving into 2019, we’ll continue to push the boundaries of excellence and ingenuity. As caretakers of a great credit union history and shepherds of a promising future, we’re ensuring that Vantage Credit Union is here for you and your family for years to come. We’re building a legacy. One experience at a time.
  • Report from the Secretary / Treasurer
    ﷯Mark Rudolph “The great use of life is to spend it for something that will outlast it.” – William James Building an established, long-term legacy requires strength, sustainability and consistency. Success is a result of its performance strategy—structure, implementation and resilience—and is achieved by perseverance and a genuine intention to leave value. At Vantage Credit Union, our legacy is one of discipline, stability and a commitment to member-focused service. These attributes have established a culture of ethical leadership, reflecting our values of always putting people first. As we continue to build and enhance our already solid financial foundation, our future growth will always be commensurate with meeting the needs of our membership, as together we help create a prosperous and sustainable local community. For nearly six decades, Vantage Credit Union has worked tirelessly to earn the trust of members, all while maintaining the highest standards of integrity and responsible financial management. All members can be proud of our strong financial and operating performance results. 2018 marked a new standard that we will continue to aim for through focused objectives that encourage sustainability and vitality.
  • Report from the Supervisory Committee
    ﷯Diane Pisacreta Chairman “Coming together is a beginning; keeping together is progress; working together is success.” – Henry Ford Legacy is about creating something that leaves a lasting impression or impact. It’s an ongoing process, guided by a team of invested leaders who understand the framework of creating a vision, building alignment and championing execution. At Vantage Credit Union, we’re dedicated to the financial empowerment of our members and depend on the valuable experiences and intellectual capital of our high-performing talent to ensure sustained excellence in future years to come. The Supervisory Committee, appointed by the Board of Directors, is responsible for ensuring the effectiveness of the internal control structure within the credit union. They oversee the scope of our internal audit team which is made up of three highly-skilled professionals—John Hopkins, our Chief Risk Officer, Cheri Schneier, our Senior Auditor and Jessica Kovar, our Internal Auditor—to ensure the accuracy of records, ensuring that member assets are adequately safeguarded, and that operations are in full compliance with all federal and state regulations. The comprehensive annual audit required by federal and state law was completed by Stephen Lang & Associates. After reviewing the results of our annual audit, Vantage continues to maintain the highest level of financial standards, receiving the best audit opinion possible—an Unqualified Opinion. The full report underscores the continued financial strength and viability of your credit union. We will remain vigilant in our efforts of ensuring the financial soundness of the credit union. Our commitment to continually strengthen the legacy of Vantage while fostering growth and innovation is what has positioned our legacy for success and longevity.
  • Budget
    Approved 2018 Budget
  • Financial Statements
    Statement of Financial Condition For Fiscal Years Ending: 2016, 2017, 2018
    Statement of Income & Expenses For Fiscal Years Ending: 2016, 2017, 2018
    Shares, Assets & Net Loans For Fiscal Years Ending: 2016, 2017, 2018
    Loan Statistics
  • 2018 Travel Expenses
    2018 Travel Expenses Board of Directors and Volunteers
    Dr. William Solomon Hawaiian Islands CU Cruise Dr. Walter Owen Hawaiian Islands CU Cruise Dr. Paul Zielger Hawaiian Islands CU Cruise Dr. Jerry Eichholz NACUC October 2018 Lisa Kampmeinert Hawaiian Islands CU Cruise Diane Pisacreta Fintech Mark Rudolph NCUMA Summer Conference Dr. Paul Zielger New Year’s Cruise Total Travel Expenses Paid October 2018 October 2018 October 2018 October 2018 October 2018 July 2018 July 2018 January 2018 $57,367.28
  • Report from the Nominating Committee
    REPORT FROM THE Nominating CommitteeThe credit union’s 2019 Nominating Committee proudly recommends the following candidates to fill the vacancies on Vantage Credit Union’s Board of Directors. Each candidate is nominated for a three-year term. Dr. Barbara Evans-Cunningham Dr. Evans-Cunningham served in the United States Army, and upon retiring continued to serve veterans as a VA Claims Examiner. As a volunteer with government services, non-profit organizations and community outreach programs for over 20 years, she’s gained vast experience in evaluating financial policies and analysis, strategic planning and development, approving budgets, reviewing and understanding financial trends, and collaborating with diverse likeminded thinkers. Barbara has been a member of Vantage for over 20 years and currently serves as a member of the Supervisory Committee. She earned her CUNA VAP Volunteer and Regulatory Compliance pins and is currently enrolled in additional courses. She’s also a board director of the Zeta Charitable Foundation of St. Louis and executive board chair of Xi Zeta Chapter, St. Louis. 
Mr. Dan Dolan Mr. Dolan is the president of Westport Car Wash, a small business with three locations in the St. Louis area that he’s owned and operated for the past 15 years. Prior to becoming an entrepreneur, he worked for Centric Group, a subsidiary of Enterprise Rent-A-Car. Dan has also served on several boards over the years, most recently as a volunteer for the non-profit organization, Teachers For A Better Belize which offers teacher training and support in southern Belize. He handles various duties for TFABB, including fundraising, finances and organizational logistics. Mr. Dolan has been a member of the credit union for over 25 years. He is married with four children and resides in St. Louis County. Mr. Daniel Isom Mr. Isom is a retired Facilities Division Administrator from the Parkway School District, where he worked for nearly 25 years. While there, he received many awards and commendations for meritorious service. He’s also served and participated as a volunteer with various charitable organizations including the Parkway Education Foundation, Boy Scouts of America, St. Vincent DePaul, Holy Name Societies and his parish school board. Mr. Isom has served Vantage in various volunteer positions for more than 20 years and is currently a director on the board. He lives in Lake St. Louis with his wife of 57 years, and has three grown children and six grandchildren. His passions include working on old cars and playing golf.
2018 ANNUAL REPORT
This credit union is federally insured by the National Credit Union Administration.
2018 Annual Report
This credit union is federally insured by the National Credit Union Administration.