Vision Financial Federal Credit Union
Total assets
$60.3M
▲ +5.4% YoY
Shares & deposits
$50.1M
▲ +5.1% YoY
Loans
$20.9M
▲ +1.1% YoY
Members
6,064
▼ -5.3% YoY
ROA (annualized)
0.99%
peers 0.60%
ROE (annualized)
6.07%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +1.3% | +4.1 pts |
| Share growth (YoY) | +5.1% | +0.7% | +4.5 pts |
| Loan growth (YoY) | +1.1% | -2.4% | +3.5 pts |
| ROA | 0.99% | 0.60% | +0.4 pts |
| ROE | 6.1% | 4.1% | +2.0 pts |
ROA ranks in the 68th percentile of its peer group · Q1 2026
Profile
- Established
- 1960
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 4
- Address
- Po Box 15818, Durham, NC, 27704
- NCUA charter #
- 13492
- RSSD ID
- 972983
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $60.3M | $50.1M | $20.9M | $9.8M | $149K | 0.99% | 3.76% | 0.04% | 6,064 |
| Q4 2025 | $59.2M | $49.2M | $21.2M | $9.6M | $665K | 1.12% | 3.83% | 0.02% | 6,087 |
| Q3 2025 | $59.6M | $49.7M | $21.3M | $9.5M | $495K | 1.11% | 3.80% | 0.22% | 6,234 |
| Q2 2025 | $58.4M | $48.7M | $19.5M | $9.3M | $357K | 1.22% | 3.88% | 0.17% | 6,395 |
| Q1 2025 | $57.2M | $47.7M | $20.6M | $9.2M | $162K | 1.14% | 3.93% | 0.14% | 6,400 |
| Q4 2024 | $56.6M | $47.2M | $20.7M | $9.0M | $698K | 1.23% | 4.02% | 0.02% | 6,421 |
| Q3 2024 | $57.6M | $48.4M | $20.7M | $8.8M | $522K | 1.21% | 3.96% | 0.05% | 6,544 |
| Q2 2024 | $57.2M | $47.9M | $20.0M | $8.6M | $337K | 1.18% | 3.96% | 0.13% | 6,594 |
Loan mix (Q1 2026): real estate $5.2M · commercial $0 · consumer $15.2M · securities $30.6M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.60% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.83% | 47th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 81.5% | 42th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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