Federal credit union · ENDICOTT, New York · NCUA charter #17429
VISIONS
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $5.29B
- Total assets
- 251,872
- Members
- 10.4%
- Net-worth ratio
VISIONS scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $5.29B; members 251,872; net-worth ratio 10.37%; health rank #1,690 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,690 of 4,374 health · 2025Q4VISIONS · health 87/100 · $5.29B · 2025Q4
Call Report peers
VISIONS in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
VISIONS vs every NCUA-scored credit union
VISIONS sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
Where VISIONS diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.19 pp (0.68% vs 0.87%).
- Loan-to-Share Ratio trails the peer set - 75.82% here, 83.90% peer average (-8.08 pp).
VISIONS: in-state Call Report ranks
- In New York, health place is #98 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, VISIONS is #7 of 272 in New York.
- Membership ranks #9 of 272 among New York CUs with a reported count (251,872 members).
- One place up in New York, Olean Teachers' and Postal (#97) ties at 87/100; one place down, QUORUM (#99) ties at 87/100.
VISIONS Call Report trajectory
VISIONS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.7% from $5.29B (2025Q4) to $5.25B (2026Q1).
- Net-worth ratio shifted +0.22 pp (10.15% → 10.37%).
At 10.37%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
VISIONS gives up 13 points in total. Return on Assets costs the most, 5.9 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.2 pts
- Return on Assets 9.1 pts
- Member Growth 10.1 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.37% | -0.81 pp |
| Delinquency Rate | 0.68% | -0.19 pp |
| Return on Assets | 0.10% | -0.40 pp |
| Member Growth | 0.93% | - |
| Loan-to-Share Ratio | 75.82% | -8.08 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - VISIONS
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $5.25B | - |
| 2025Q4 | $5.29B | 251,872 |
| 2024Q4 | $5.23B | 249,544 |
| 2023Q4 | $5.68B | 257,713 |
Credit Union Details
- Charter Number
- 17429
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New York
- City
- ENDICOTT
- Data Quarter
- 2025Q4
Branch Locations (61)
VISIONS operates 61 offices across 47 cities, spanning 3 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Credit Union Center (Main Office) | Endwell, NY |
| Allentown | Allentown, PA |
| Apalachin | Apalachin, NY |
| Augusta | Augusta, NJ |
| Bethlehem | Bethlehem, PA |
| SUNY Broome | Binghamton, NY |
| Binghamton University | Binghamton, NY |
| BOCES | Binghamton, NY |
| Binghamton HS | Binghamton, NY |
| Seton Catholic HS | Binghamton, NY |
| Binghamton East | Binghamton, NY |
| Binghamton North | Binghamton, NY |
| Metro Center | Binghamton, NY |
| Cicero | Cicero, NY |
| Cortland | Cortland, NY |
| Dumont | Dumont, NJ |
| Elmira | Elmira, NY |
| Union-Endicott HS | Endicott, NY |
| McKinley | Endicott, NY |
| ME High School | Endwell, NY |
| Englewood Cliffs | Englewood Cliffs, NJ |
| Fairfield | Fairfield, NJ |
| Hackettstown | Hackettstown, NJ |
| Manchester Regional HS | Haledon, NJ |
| Harpursville HS | Harpursville, NY |
| Horseheads | Horseheads, NY |
| Ithaca | Ithaca, NY |
| JC Pavilion | Johnson City, NY |
| Leonia HS | Leonia, NJ |
| Mahwah | Mahwah, NJ |
| Montrose Branch | Montrose, PA |
| Morris Plains | Morris Plains, NJ |
| Newark Valley HS | Newark Valley, NY |
| Newark Valley | Newark Valley, NY |
| Norwich | Norwich, NY |
| Jefferson Township HS | Oak Ridge, NJ |
| Oakland | Oakland, NJ |
| Oneonta | Oneonta, NY |
| Owego | Owego, NY |
| Lockheed Martin | Owego, NY |
| Randolph | Randolph, NJ |
| Exeter | Reading, PA |
| Reading HS | Reading, PA |
| Downtown Reading | reading, PA |
| Ridgewood | Ridgewood, NJ |
| Rochester | Rochester, NY |
| Saddle Brook | Saddle Brook, NJ |
| Sayre | Sayre, PA |
| Shillington | Shillington, PA |
| Spencer | Spencer, NY |
| Syracuse | Syracuse, NY |
| Muhlenberg | Temple, PA |
| Wysox | Towanda, PA |
| Vestal HS | Vestal, NY |
| Town Square | Vestal, NY |
| University Center | Vestal, NY |
| Washington Township | Washington, NJ |
| Watkins Glen | Watkins Glen, NY |
| West Lawn | West Lawn, PA |
| Westwood | Westwood, NJ |
| Windsor HS | Windsor, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- VISIONS ranks #1,690 of 4,374 nationally on financial health and #98 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MUNICIPAL is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MUNICIPAL
Frequently Asked Questions
Is VISIONS financially healthy?
VISIONS has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,690 of 4,374 nationally on health and #98 of 272 in New York. Its net worth ratio is 10.37% and its delinquency rate 0.68%.
How does VISIONS compare to other credit unions?
VISIONS scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.68% vs 0.87%). Its widest shortfall is loan-to-share ratio (75.82% vs 83.90%).
How can I join VISIONS?
VISIONS 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 VISIONS directly for the exact boundaries and application steps.
Is my money safe at VISIONS?
VISIONS is a federal credit union; its shares are federally 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. VISIONS's net worth ratio of 10.37% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.