Visions Federal Credit Union
Total assets
$5.25B
▼ -1.0% YoY
Shares & deposits
$4.62B
▲ +2.2% YoY
Loans
$3.46B
▲ +1.9% YoY
Members
251,746
▲ +0.5% YoY
ROA (annualized)
0.58%
peers 0.71%
ROE (annualized)
5.60%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.0% | +5.1% | -6.2 pts |
| Share growth (YoY) | +2.2% | +4.9% | -2.6 pts |
| Loan growth (YoY) | +1.9% | +5.4% | -3.6 pts |
| ROA | 0.58% | 0.71% | -0.1 pts |
| ROE | 5.6% | 6.3% | -0.7 pts |
ROA ranks in the 39th percentile of its peer group · Q1 2026
Profile
- Established
- 1966
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 24 Mckinley Ave, Endicott, NY, 13760
- NCUA charter #
- 17429
- RSSD ID
- 562786
- 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 | $5.25B | $4.62B | $3.46B | $544.3M | $7.6M | 0.58% | 3.05% | 0.64% | 251,746 |
| Q4 2025 | $5.29B | $4.57B | $3.46B | $536.7M | $19.7M | 0.37% | 2.89% | 0.68% | 251,872 |
| Q3 2025 | $5.20B | $4.47B | $3.42B | $533.4M | $15.6M | 0.40% | 2.90% | 0.69% | 252,760 |
| Q2 2025 | $5.28B | $4.53B | $3.38B | $527.2M | $9.4M | 0.36% | 2.80% | 0.73% | 251,928 |
| Q1 2025 | $5.31B | $4.52B | $3.39B | $523.9M | $6.1M | 0.46% | 2.72% | 0.64% | 250,557 |
| Q4 2024 | $5.23B | $4.46B | $3.45B | $517.8M | $5.5M | 0.11% | 2.68% | 0.52% | 249,544 |
| Q3 2024 | $5.26B | $4.42B | $3.51B | $518.1M | $5.0M | 0.13% | 2.65% | 0.54% | 258,519 |
| Q2 2024 | $5.42B | $4.49B | $3.60B | $514.9M | $1.8M | 0.07% | 2.54% | 0.68% | 259,512 |
Loan mix (Q1 2026): real estate $1.97B · commercial $558.0M · consumer $647.4M · securities $1.02B
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.71% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 6.3% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.32% | 33th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.6% | 73.0% | 68th | |
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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