Visions

ENDICOTT, NY · 1 · Charter #17429 · www.visionsfcu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$5.3B
87th percentile
Members
251,872
82th percentile
Total loans
$3.5B
83th percentile
Total shares
$4.5B
88th percentile

Profitability

Return on assets
0.58%
22th percentile
Net interest margin
2.89%
30th percentile
Efficiency ratio
57.66%
24th percentile
Non-interest income ratio
18.23%
48th percentile

Capital & Risk

Net worth ratio
10.15%
36th percentile
Delinquency rate
0.68%
55th percentile
Net charge-off rate
0.44%
58th percentile
Loan-to-share
76.31%
22th percentile

Growth

Member growth YoY
0.93%
34th percentile
Asset growth YoY
1.15%
17th percentile
Loan growth YoY
0.43%
22th percentile
Share growth YoY
2.64%
24th percentile

Operations

Members / branch
4,129
8th percentile
Assets / member
$20,989
73th percentile
Field of membership penetration
6.11%
52th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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