State credit union · Sacramento, California · NCUA charter #63137
Vision One
Health score 72/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $87.4M
- Total assets
- 1,518
- Members
- 16.6%
- Net-worth ratio
Vision One - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #63137, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Vision One - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)89
- Earnings (ROA)77
- Member growth0
- Liquidity (loan-to-share)56
Weighted composite: 72/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 16.58% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 16.58% | 30% |
| Delinquency Rate | 0.76% | 25% |
| Return on Assets | 0.27% | 15% |
| Member Growth | -6.41% | 15% |
| Loan-to-Share Ratio | 105.58% | 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 | $87.4M | 1,518 |
| 2024Q4 | $92.9M | 1,622 |
| 2023Q4 | $94.7M | 1,755 |
Credit Union Details
- Charter Number
- 63137
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- California
- City
- Sacramento
- Data Quarter
- 2025Q4
What This Data Says About Vision One
The five-factor composite scores Vision One at 72/100 (Very Good), reflecting a net worth ratio of 16.58% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Sacramento, California, reports 1,518 members, $87.4M in total assets, and $76.2M in outstanding loans as of Q4 2025 under charter #63137 (peer group $50M–$100M, a cohort of 584 similarly-sized institutions).
Deposits deployed into lending sit at a 105.58% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.76% of the book 60+ days past due - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Return on assets stands at 0.27% on net income of $239K 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 -6.41%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
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 One financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Vision One carries a financial health score of 72/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.58% net worth ratio and a 0.76% delinquency rate.
How does Vision One compare to other credit unions?
Five weighted metrics from NCUA filings produce Vision One's 72/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 One?
Membership eligibility for Vision One depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Vision One directly for current membership requirements and application steps.
Is my money safe at Vision One?
Federal credit unions like Vision One 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 One's net worth ratio of 16.58% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Vision One offer compared to banks?
Credit unions like Vision One 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 One directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.