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VANTAGE WEST CREDIT UNION

TUCSON, AZ · EIN 860120482 · Form 990 · FY2022 · Very Large (>$50M) · www.vantagewest.org
revenue
$128.1M
expenses
$105.9M
net assets
$229.1M
employees
611
volunteers
14
mission · from form 990

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.

profile · synthesized from sources

VANTAGE WEST CREDIT UNION is a credit union based in Arizona that provides a full range of financial services, including personal and business banking, loans, and mortgages. It operates on a member-owner model, returning financial gains to its members and focusing on community development and local decision-making.

named programs · 11 · from sources

what they call their work

Auto Loans
Finances new and used vehicles, including cars, RVs, motorcycles, and ATVs, with options for refinancing existing auto loans.
AutoSMART Auto Search
A customizable auto search engine to find and compare vehicles, dealerships, and features.
Business Banking
Offers business checking, savings, working-capital loans, credit cards, merchant services, commercial real estate lending, and payroll solutions for businesses of all sizes.
Community Development Financial Institution (CDFI) Partnership
Partners with nonprofits to provide low-fee accounts, accessible lending, and guidance for purpose-driven work.
Credit Cards
Provides credit card options for everyday spending and credit building.
Financial Education Resources
Provides resources and guidance for financial goals, from opening accounts to getting loans.
Home Equity Loans & Lines of Credit
Provides Home Equity Lines of Credit (HELOC) and Home Equity Loans for accessing home equity.
Mortgage Loans
Offers various mortgage options including Fixed-Rate, Adjustable-Rate (ARM), Jumbo, Community Heroes, Doctor, Government (FHA/VA), Extended Term, and First-Time Homebuyer loans.
Online Mortgage Center
An online platform to compare loans, review rates, and start mortgage applications.
Personal Loans
Offers various borrowing options for personal needs.
Personal Savings Accounts
Includes various savings accounts like Basic Savings, Money Market, and Certificates of Deposit (CDs).
activities · 10 groups

what they do

  • Vehicle and Personal Loan Financing 6 activities
    • Auto lending
      Offers auto loans that finance up to 100% of the vehicle cost, including taxes and fees, with APRs as low as 5.55%. Also provides pre-qualification consultations to help members understand financing options and budgeting.
    • Auto lending
      Offers auto loans that finance up to 100% of the vehicle cost, including taxes and fees, with APRs as low as 5.55%. Also provides pre-qualification consultations to help members assess budget and financing options.
    • Auto lending
      Offers auto loans that finance up to 100% of the vehicle cost, including taxes, fees, and add-ons, with APRs as low as 5.55%. Also includes refinancing options and pre-qualification consultations to help members assess budget and financing.
    • Personal lending and credit products
      Provides a range of personal lending options including loans for RVs, motorcycles, ATVs, and refinancing, as well as credit cards for everyday spending and credit building.
    • Personal lending and credit products
      Provides a range of personal lending options including loans for RVs, motorcycles, ATVs, and credit cards designed for everyday spending and credit building. Offers flexible borrowing solutions tailored to individual needs.
    • Personal lending and credit products
      Provides a range of personal lending options including loans for RVs, motorcycles, ATVs, and refinancing, as well as credit cards for everyday spending and credit building.
  • Credit Union Financial Services 5 activities
    • Business banking services
      Provides business checking, startup banking, working-capital loans, credit cards, merchant services, commercial real estate lending, and customized payroll and cash management solutions to support entrepreneurs and established businesses in launching, scaling, and modernizing operations.
    • Business banking services
      Provides business checking, startup banking, working-capital loans, credit cards, merchant services, commercial real estate lending, and customized payroll and cash management solutions to support entrepreneurs and established businesses.
    • Business banking services
      Provides business checking accounts, flexible startup banking, working-capital loans, credit cards, merchant services, commercial real estate lending, and customized payroll and cash management solutions. Supports entrepreneurs and established businesses in launching, scaling, and modernizing operations.
    • Provide business banking services
      Offers business checking, flexible startup banking services, working-capital loans, credit cards, merchant services, commercial real-estate lending, and customized payroll solutions to support businesses of all sizes.
    • Provide personal banking services
      Offers personal savings and lending products, including auto loans, credit cards, and various borrowing options. This includes online and mobile banking for managing accounts and making payments, and access to a network of surcharge-free ATMs.
  • CDFI Financial Services & Support 4 activities
    • Community development financial institution (CDFI) services
      As a certified CDFI, offers low-fee accounts, accessible lending, and specialized banking guidance to impact-driven organizations, with a focus on underserved communities and equitable financial access.
    • Community development financial services
      As a designated CDFI, offers low-fee accounts, accessible lending, and specialized banking guidance to impact-driven organizations, supporting economic development in underserved communities.
    • Community development financial services
      As a designated CDFI, offers low-fee accounts, accessible lending, and specialized banking guidance to impact-driven organizations, supporting economic development in underserved communities.
    • Support community organizations
      Contributes time, funding, and volunteer effort to community organizations and, as a CDFI, provides low-fee accounts, accessible lending, and specialized banking guidance to impact-driven organizations.
  • Homeownership Down Payment Assistance 4 activities
    • Mortgage and home equity lending
      Offers tailored mortgage options including FHA and VA loans, low- or no-down-payment programs for essential workers and first-time buyers in Pima and Maricopa counties, and home equity lines of credit (HELOCs) with up to 90% access to equity. Also provides instant home value estimates using real-time data.
    • Mortgage lending
      Offers tailored mortgage options including FHA and VA loans, low- or no-down-payment programs for essential workers and first-time homebuyers in Pima and Maricopa counties, and specialized products for licensed professionals with high student debt. Also provides HELOCs with up to 90% equity access and real-time home value estimates to support borrowing or selling decisions.
    • Mortgage lending
      Offers tailored mortgage options including FHA and VA loans, low- or no-down-payment programs for eligible members, and specialized products for physicians and licensed professionals with high student debt. Includes no-down-payment, no-mortgage-insurance options in Pima and Maricopa counties for qualifying first-time or budget-conscious homebuyers.
    • Offer mortgage and home equity loans
      Provides tailored mortgage options with flexible terms, including FHA and VA loans, low down payment options for essential community workers and first-time buyers, and home equity lines of credit (HELOCs). Also offers tools for estimating home market value.
  • Parenting Education and Skill-Building Programs 3 activities
    • ATM access network
      Provides members access to surcharge-free ATMs across all 50 states and in 10 countries, enhancing convenience and reducing banking costs.
    • Surcharge-free ATM access
      Provides members with access to a nationwide and international network of surcharge-free ATMs across all 50 states and 10 countries.
    • Surcharge-free ATM access
      Provides members access to a nationwide and international network of surcharge-free ATMs across all 50 states and 10 countries.
  • Community Engagement & Volunteer Mobilization 3 activities
    • Community engagement and support
      Supports local community organizations through long-term contributions of funding, volunteerism, and time, emphasizing personal relationships and local economic growth.
    • Community engagement and support
      Supports community organizations through sustained contributions of funding, volunteerism, and time, emphasizing personal relationships and local impact.
    • Community engagement and support
      Supports local community organizations through sustained contributions of funding, volunteerism, and time, emphasizing personal relationships and local impact.
  • Multi-Channel Utility Payment Processing 3 activities
    • Loan payment processing
      Offers multiple loan payment options including free transfers from internal or linked external accounts via online banking, one-time ACH or debit card payments for a $10 fee, and phone-based payments through automated systems or live representatives.
    • Loan payment processing
      Offers multiple loan payment options including online banking, mobile app, phone-based systems (automated or live representative), and one-time ACH or debit card payments for a $10 fee. Payments can be made from internal or linked external accounts with no fee when processed through online banking.
    • Loan payment processing
      Offers multiple loan payment options including online banking (no fee), one-time ACH or debit card payments ($10 fee), and phone-based payments via automated systems or live representatives. Payments can be made from internal or linked external accounts.
  • Digital Banking and Payment Services 2 activities
    • Online and mobile banking services
      Provides online banking and mobile app platforms that allow members to check balances, transfer money, and make loan payments securely. These digital tools support a range of self-service financial management functions.
    • Online and mobile banking services
      Provides online banking and mobile app platforms that allow members to check balances, transfer money, and make loan payments securely. These digital tools support a range of self-service financial management functions.
  • Home Equity Lending Services 1 activity
    • Home equity financing
      Provides home equity lines of credit (HELOCs) allowing members to access up to 90% of their home equity, featuring a 10-year draw period and interest-only payment options during the draw phase.
  • Homebuyer Market Education and Tools 1 activity
    • Home value estimation tool
      Offers an instant home market value estimator using real-time data to help homeowners track equity growth and evaluate borrowing or selling opportunities.
financials · form 990 · fy2022
revenue
Total revenue$128.14M
Contributions & grants$2.32M2%
Program service revenue$110.29M86%
Investment income$13.03M10%
Other revenue$2.50M
expenses
Total expenses$105.91M
Program expenses
Admin / overhead
Fundraising
Salaries & benefits$51.22M
Grants paid out$69K
Largest expense lineCompensation
balance sheet
Total assets$2.68B
Cash$133.00M
Investments$571.68M
Liabilities$2.45B
Net assets$229.08M
Liquid reserves79.8 mo
2 years on record · 2020–2022 · YoY revenue +16.4%
leadership · form 990 part vii · fy2022

who runs it

paid leadership · 22
NameTitleHours/wkCompensation
SAGEHORN-ELLIOTT SANDRA PRESIDENT/CEO 40 $2.39M
HOYLE ROBERT CHIEF INFORMATION OFFICER 40 $657K
PINARD JEREMY CHIEF LENDING OFFICER 40 $585K
ODOM SCOTT EVP/CFO 40 $580K
GRIEGER SHARON D CHIEF RISK OFFICER 40 $548K
PAPOCCIA MARK CHIEF MBR EXPERIENCE OFFICER 40 $524K
DOWNIN ANDREW CHIEF MARKETING & DIGITAL OFFICER 40 $512K
ZIMMERMAN DOUGLAS BOARD CHAIRPERSON 5 $31K
PEARY STEPHEN BOARD MEMBER 5 $27K
SCHAU HOPE BOARD TREASURER 5 $27K
RINCON JOSE BOARD SECRETARY 5 $27K
LUCERO MANUEL BOARD VICE CHAIRPERSON 5 $27K
LOGAN ROBERT BOARD MEMBER 5 $27K
MEZA MARICELA BOARD MEMBER 5 $27K
RILEY KARA BOARD MEMBER 5 $27K
GUERRERO NAOMI BOARD MEMBER 5 $19K
ORTEGA KATHLEEN SUPERVISORY COMMITTEE CHAIRPERSON 5 $16K
SPINK-COHEN STACEY SUPERVISORY COMMITTEE MEMBER 5 $9K
ZATARSKI JOHN SUPERVISORY COMMITTEE MEMBER 5 $7K
GINSBERG MATTHEW SUPERVISORY COMMITTEE MEMBER 5 $6K
LIZARDI OSCAR BOARD MEMBER 5 $5K
BROTHERTON JANICE SUPERVISORY COMMITTEE MEMBER 5 $4K
relationships · 5

who they work with

  • Association of Fundraising Professionals Southern Arizona Chapter Government — Recognized by the organization as the 2025 Outstanding Corporate Philanthropist.
  • AutoSMART Partner — Partnered to provide a customizable auto search engine for members to find and compare vehicles.
  • Co-op Credit Union Partner — Partners with Co-op Credit Union to provide surcharge-free ATM access.
  • Community Development Financial Institution Government — Designated as a CDFI, indicating federal recognition for community development finance work.
  • Local First Arizona Partner — Donates on behalf of individuals who join Vantage West and participate in Local First Arizona.