Vision Financial
Durham, NC · Charter 13492 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$59.5MAssets
$20.2MLoans
$49.1MShares
$10.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 92% of credit unions under $1B in assets (rank 138 of 1682).
- Widest gap: net interest margin trails 48% of credit unions under $1B in assets (rank 800 of 1683).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.23%
Rank 383 of 1,683
Net Interest Margin
3.87%
Rank 800 of 1,683
Efficiency Ratio
74.19%
Rank 643 of 1,682
Equity / Assets
16.82%
Rank 399 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.23% | 0.35% | 0.74% | 1.18% | Beats 77% | 383 / 1,683 | | |
| Return on Equity | 7.34% | 2.67% | 5.89% | 8.74% | Beats 64% | 605 / 1,681 | | |
| Net Interest Margin | 3.87% | 3.31% | 3.82% | 4.32% | Beats 52% | 800 / 1,683 | | |
| Efficiency Ratio | 74.19% | 68.91% | 78.20% | 86.93% | Beats 62% | 643 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.26% | 0.65% | 1.29% | Beats 92% | 138 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.82% | 10.44% | 12.89% | 16.53% | Beats 76% | 399 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.82% | 10.44% | 12.89% | 16.53% | Beats 76% | 399 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 41.14% | 52.61% | 69.38% | 83.50% | 12th pctl | 1,479 / 1,683 | | |
| Loans / Assets | 33.95% | 44.71% | 59.18% | 70.72% | 11th pctl | 1,491 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |