Vision One

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$87.4M

37^th percentile

Members

1,518

0^th percentile

Total loans

$76.2M

62^th percentile

Total shares

$72.2M

34^th percentile

Profitability

Return on assets

0.17%

7^th percentile

Net interest margin

3.01%

18^th percentile

Efficiency ratio

64.50%

44^th percentile

Non-interest income ratio

12.12%

25^th percentile

Capital & Risk

Net worth ratio

16.58%

85^th percentile

Delinquency rate

0.76%

47^th percentile

Net charge-off rate

0.21%

64^th percentile

Loan-to-share

105.58%

98^th percentile

Growth

Member growth YoY

-6.41%

7^th percentile

Asset growth YoY

-5.88%

2^th percentile

Loan growth YoY

-2.80%

27^th percentile

Share growth YoY

-7.14%

1^th percentile

Operations

Members / branch

1,518

9^th percentile

Assets / member

$57,607

99^th percentile

Field of membership penetration

1.45%

23^th percentile

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