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
- BOOK 87/100
- CHARTER 10.4%
- NCUSIF 0.68%
- CAMELS 0.10%
- HEALTH $5.29B
- NW 251,872
- DELQ #1,690/4,374
- ROA State Farm
- ASSETS 17429
Call Report peers
VISIONS in the assets neighbourhood
VISIONS's $5.29B assets sit next to State Farm ($5.30B) 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.
VISIONS 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
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
VISIONS - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #17429. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
VISIONS Call Report trajectory
VISIONS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.7% from $5.29B (2025Q4) to $5.25B (2026Q1).
- Net-worth ratio shifted +0.22 pp (10.15% → 10.37%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
VISIONS's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($5.29B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 VISIONS financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - VISIONS's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,690 of 4,374; by total assets it ranks #79 of 4,374 nationally (same basis as /rankings/largest); and #7 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.37% net worth ratio and 0.68% delinquency rate are the key drivers.
How does VISIONS compare to other credit unions?
87/100 is VISIONS's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like VISIONS 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. VISIONS's net worth ratio of 10.37% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does VISIONS offer compared to banks?
Credit unions like VISIONS 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 VISIONS 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.