Vantage West Credit Union
501(c)(14)
100% goes to programs Strong reserves Growing revenue
Vantage West Credit Union is a 501(c)(14) organization based in Tucson, Arizona, registered in 1970, with $225,564,630 in FY2024 revenue. CharityIndex grades it A+, and it directs about 100% of spending to programs.
2480 N Arcadia Ave, Tucson, AZ, 85712 EIN 86-0120482 Since 1970
Revenue (FY2024)
$225.6M
▲ 30.9% vs prior year
Expenses (FY2024)
$214.6M
Net assets
$262.9M
Employees
603
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
A+
A+Program efficiency40% of the rating100% to programs
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. For Vantage West Credit Union: 100% to programs earns a A+ on this criterion. See the exact thresholds →
AFinancial health25% of the rating15 mo reserves · +5% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For Vantage West Credit Union: 15 mo reserves · +5% margin earns a A on this criterion. See the exact thresholds →
A+Governance25% of the rating6 of 6 checks met
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. For Vantage West Credit Union: 6 of 6 checks met earns a A+ on this criterion. See the exact thresholds →
ATransparency10% of the rating4 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For Vantage West Credit Union: 4 of 5 disclosure signals earns a A on this criterion. See the exact thresholds →
Show this grade on your website
A live seal — it updates automatically when the grade changes and links donors to this verified profile.
Mission
Working together to meet our members' financial needs. vantage west is a full-service financial institution. we offer a wide array of personal and business accounts ranging from savings and checking accounts to loans, mortgages, merchant services, consumer credit cards, and much more.
Contact & location
Financial trends
Revenue grew from $76.1M (FY2013) to $225.6M (FY2024) across 12 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $2.8BNet assets $262.9M
Operating margin
4.9%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$3.1B
Total liabilities
$2.8B
Net assets
$262.9M
Salaries & benefits
$55.7M
26% of expenses
Board members
9
9 independent
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $225,564,630▲30.9% | $214,574,943▲31.2% | $262,910,390▲9.8% | $3,110,546,997▲7.5% | 990 |
| 2023 | $172,271,058▲34.4% | $163,589,055▲54.5% | $239,539,658▲4.6% | $2,893,332,767▲8.1% | 990 |
| 2022 | $128,137,248▲20.7% | $105,911,072▲22.3% | $229,078,662▼16.7% | $2,676,136,267▲5.5% | 990 |
| 2021 | $106,118,675▼3.6% | $86,606,552▼16.0% | $274,844,187▲3.7% | $2,536,511,128▲6.1% | 990 |
| 2020 | $110,088,288▼6.9% | $103,128,227▲3.4% | $265,020,565▲5.5% | $2,391,498,846▲18.7% | 990 |
| 2019 | $118,310,063▲12.4% | $99,783,947▲8.4% | $251,262,985▲8.7% | $2,015,563,365▲2.1% | 990 |
| 2018 | $105,231,949▲0.4% | $92,019,620▲10.2% | $231,246,803▲6.1% | $1,973,948,993▲3.1% | 990 |
| 2017 | $104,808,785▲8.7% | $83,489,938▲0.7% | $218,030,072▲10.8% | $1,915,424,663▲14.1% | 990 |
| 2016 | $96,439,644▲10.2% | $82,870,958▲10.2% | $196,717,321▲7.4% | $1,678,708,857▲6.0% | 990 |
| 2015 | $87,541,381▲7.3% | $75,227,309▲6.8% | $183,115,481▲7.5% | $1,583,734,298▲11.8% | 990 |
| 2014 | $81,588,229▲7.2% | $70,465,730▲11.7% | $170,284,795▲7.4% | $1,416,185,982▲11.7% | 990 |
| 2013 | $76,133,970 | $63,103,034▲5.3% | $158,492,966▲7.9% | $1,267,683,239▲8.0% | 990 |
| 2012 | — | $59,926,496▲1.0% | $146,882,899▲10.6% | $1,173,366,422▲5.2% | 990 |
| 2011 | — | $59,316,929▼5.3% | $132,826,563▲11.5% | $1,115,685,909▲3.9% | 990 |
| 2010 | — | $62,639,652 | $119,117,951 | $1,073,929,571 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Leadership & compensation (FY2024)
Highest-paid: Sagehorn-elliott Sandra — $1,308,001 (0.61% of total expenses)
| Name | Title | Hours/week | Compensation |
|---|---|---|---|
| Sagehorn-elliott Sandra | President/ceo | 40 | $1,308,001 |
| Grieger Sharon | Chief Risk Officer | 40 | $605,708 |
| Odom Scott | Evp/cfo | 40 | $462,721 |
| Hoyle Robert | Chief Information Officer | 40 | $459,520 |
| Pinard Jeremy | Chief Lending Officer | 40 | $440,249 |
| Papoccia Mark | Chief Mbr Experience Offic | 40 | $394,982 |
| Daniel Townsend | Svp Hr & Org Development | 40 | $350,697 |
| Zimmerman Douglas | Board Chairperson | 5 | $37,567 |
| Anthony Kitt | Board Member | 5 | $34,214 |
| Rincon Jose | Board Secretary | 5 | $32,245 |
| Meza Maricela | Board Member | 5 | $31,206 |
| Guerrero Naomi | Board Member | 5 | $30,550 |
| Logan Robert | Board Member | 5 | $30,550 |
| Lucero Manuel | Board Vice Chairperson | 5 | $30,550 |
| Riley Kara | Board Member | 5 | $30,550 |
| Schau Hope | Board Treasurer | 5 | $30,550 |
| Spink-cohen Stacey | Supervisory Committee Chair | 5 | $19,692 |
| Ginsberg Matthew | Supervisory Committee Member | 5 | $17,675 |
| Ortega Kathleen | Supervisory Committee Member | 5 | $11,479 |
| Mccabe Michelle Marie | Supervisory Committee Member | 5 | $7,436 |
Top vendors & contractors (FY2024)
| Contractor | Services | Paid |
|---|---|---|
| Upstart Network Inc | Third Party Loan Originating Partner | $6,139,792 |
| Pscu | Credit Card Processing | $4,672,898 |
| Alkami Technology Inc | E-services Software, Maintenance and Con | $3,733,780 |
| Dbsi | Construction Contractor | $3,637,008 |
| Diebold Incorporated | Atm and Cash Dispenser Vendor, Maintenan | $2,235,151 |
Grants made · $98K in FY2024
7 grants totaling $98K in FY2024. All grants made by Vantage West Credit Union →
| Recipient | Purpose | Amount |
|---|---|---|
| Family Housing Resources Inc | Housing support and financial education | $25,000 |
| Filene Research Institute Inc | Member voice sponsorship | $22,917 |
| Youth On Their Own | Program support | $10,000 |
| The Primavera Foundation | Housing support | $10,000 |
| Community Investment Corporation | Housing support | $10,000 |
| Habitat For Humanity Tucson Inc | Housing support | $10,000 |
| Gospel Rescue Mission Inc | Program support | $10,000 |
Frequently asked questions
- Is Vantage West Credit Union a legitimate nonprofit?
- Yes. Vantage West Credit Union is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 86-0120482, based in Tucson, Arizona.
- What is Vantage West Credit Union's EIN?
- Vantage West Credit Union's Employer Identification Number (EIN) is 86-0120482.
- How much revenue does Vantage West Credit Union report?
- Vantage West Credit Union reported $225,564,630 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- How much of Vantage West Credit Union's spending goes to programs?
- Vantage West Credit Union spends about 100% of its total expenses on programs, based on its latest IRS Form 990.
- What financial grade does Vantage West Credit Union have?
- CharityIndex grades Vantage West Credit Union A+, based on program efficiency and fundraising cost.
- How much does Vantage West Credit Union's highest-paid employee make?
- The highest reported compensation on Vantage West Credit Union's latest Form 990 is $1,308,001, paid to Sagehorn-elliott Sandra (President/ceo).
More nonprofits in Tucson
Explore more
Data for Vantage West Credit Union (EIN 86-0120482) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.