Federal credit union · Durham, North Carolina · NCUA charter #13492
Vision Financial
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $59.2M
- Total assets
- 6,087
- Members
- 16.3%
- Net-worth ratio
Vision Financial scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $59.2M; members 6,087; net-worth ratio 16.25%; health rank #2,704 of 4,374; healthier than 36th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,704 of 4,374 health · 2025Q4Vision Financial · health 80/100 · $59.2M · 2025Q4
- PHOTO 80/100
- BOOK 16.3%
- CHARTER 0.02%
- NCUSIF 1.18%
- CAMELS $59.2M
- HEALTH 6,087
- NW #2,704/4,374
- DELQ Saratoga's Community
- ROA 13492
Call Report peers
Vision Financial in the assets neighbourhood
Vision Financial's $59.2M assets sit next to Saratoga's Community ($59.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Vision Financial vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Peer-gap read for Vision Financial
- Strongest edge vs 584 $50M–$100M peers is Net Worth Ratio: +2.63 pp (16.25% vs 13.62%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -19.51 pp (43.09% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Vision Financial in North Carolina
- Health composite ranks #30 of 57 among scored North Carolina credit unions.
- By total assets, Vision Financial is #33 of 57 in North Carolina.
- North Carolina membership ordinal: #31 of 57.
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Vision Financial's 5300 filing moved
Vision Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $59.2M (2025Q4) to $60.3M (2026Q1).
- Net-worth ratio shifted -0.05 pp (16.30% → 16.25%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 16.25%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.25% | +2.63 pp |
| Delinquency Rate | 0.02% | -0.94 pp |
| Return on Assets | 1.18% | +0.52 pp |
| Member Growth | -5.20% | - |
| Loan-to-Share Ratio | 43.09% | -19.51 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Vision Financial filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $60.3M | - |
| 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
Branch Locations (3)
Per its most recent NCUA branch filing, Vision Financial runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Main office (Main Office) | Durham, NC |
| Natal Street Office | Fayetteville, NC |
| Roxboro Office | Roxboro, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
Other federally-insured credit unions in North Carolina, closest first by peer group and asset size.
Other-state peers near Vision Financial
Cross-state asset and health neighbours for Vision Financial - kept outside North Carolina; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($59.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Vision Financial ranks #2,704 of 4,374 nationally on financial health and #30 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ACCLAIM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ACCLAIM
- Rates and health both vary by institution, not just by state -- see how North Carolina credit unions compare overall before assuming this one is typical. North Carolina state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Vision Financial financially healthy?
A 16.25% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,704 of 4,374; by total assets it ranks #2,271 of 4,374 nationally (same basis as /rankings/largest); and #33 of 57 within North Carolina. 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 16.25% 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.