Federal credit union · Durham, North Carolina · NCUA charter #13492

Vision Financial

Health score 80/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

80
Health / 100
$59.2M
Total assets
6,087
Members
15.6%
Net-worth ratio

Vision Financial - Share Insurance Coverage

Charter #13492's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.

NCUSIF coverage gauge for Vision Financial Share insurance under NCUSIF covers up to $250,000 per share owner. Vision Financial holds approximately $49.2M in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 15.6 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 15.6% · $49.2M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Vision Financial - Five Health Pillars

Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.

  • Capital (net worth ratio) 15.56% 30% weight
  • Asset quality (delinquency) 0.02% 25% weight
  • Earnings (ROA) 1.18% 15% weight
  • Member growth -5.20% 15% weight
  • Liquidity (loan-to-share) 43% 15% weight

Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

At 15.56%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.

$59.2M
Total Assets
6,087
Members
$21.2M
Total Loans
$49.2M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 15.56% 30%
Delinquency Rate 0.02% 25%
Return on Assets 1.18% 15%
Member Growth -5.20% 15%
Loan-to-Share Ratio 43.09% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $59.2M 6,087
2024Q4 $56.6M 6,421
2023Q4 $57.5M 6,675

Credit Union Details

Charter Number
13492
Type
Federal
Field of Membership
Community
Peer Group
$50M–$100M
State
North Carolina
City
Durham
Data Quarter
2025Q4

What This Data Says About Vision Financial

6,087 members and $59.2M in total assets sit behind Vision Financial, a federal credit union in Durham, North Carolina, which posts a health score of 80/100 (Excellent) on the five-factor composite, with $21.2M in outstanding loans as of Q4 2025 and a net worth ratio of 15.56% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #13492 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.

0.02% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Deposit deployment is captured by the 43.09% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.18% on net income of $698K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.

Year-over-year membership changed by -5.20%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.

Nearby Credit Unions in North Carolina

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Compare Vision Financial vs ACCLAIM

Sources & disclaimer

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

Frequently Asked Questions

Is Vision Financial financially healthy?

A 15.56% net worth ratio and a 0.02% delinquency rate feed into Vision Financial's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.

How does Vision Financial compare to other credit unions?

On PlainCU's health composite, Vision Financial lands at 80/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).

What is a credit union health score?

A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.

How can I join Vision Financial?

Vision Financial operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Vision Financial directly for the exact boundaries and application steps.

Is my money safe at Vision Financial?

Federal credit unions like Vision Financial are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Vision Financial's net worth ratio of 15.56% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Vision Financial offer compared to banks?

Credit unions like Vision Financial are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Vision Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.