Visions
Endicott, NY · Charter 17429 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 61 branches
Q2 2026
$5.5BAssets
$3.5BLoans
$4.9BShares
$553.1MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 34% of credit unions $1B-$10B in assets (rank 289 of 435).
- Widest gap: net interest margin trails 78% of credit unions $1B-$10B in assets (rank 341 of 435).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.59%
Rank 311 of 435
Net Interest Margin
2.95%
Rank 341 of 435
Efficiency Ratio
77.86%
Rank 327 of 435
Equity / Assets
10.00%
Rank 304 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.59% | 0.55% | 0.81% | 1.14% | Beats 29% | 311 / 435 | |
| Return on Equity | 5.94% | 5.12% | 7.41% | 9.70% | Beats 34% | 289 / 435 | |
| Net Interest Margin | 2.95% | 3.01% | 3.39% | 3.75% | Beats 22% | 341 / 435 | |
| Efficiency Ratio | 77.86% | 65.25% | 71.39% | 77.86% | Beats 25% | 327 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.89% | 0.45% | 0.69% | 1.05% | Beats 34% | 286 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.00% | 9.81% | 10.84% | 12.63% | Beats 30% | 304 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.00% | 9.81% | 10.84% | 12.63% | Beats 30% | 304 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 71.48% | 78.33% | 88.38% | 95.61% | 15th pctl | 368 / 435 | |
| Loans / Assets | 63.63% | 67.69% | 74.58% | 80.80% | 17th pctl | 360 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |