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Visions

Endicott, NY · Charter 17429

NCUA · 61 branches

Q2 2026

$5.5BAssets
$3.5BLoans
$4.9BShares
$553.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.59%, up 24 bps year over year; NIM at 2.95%.
  • Asset quality: problem loans at 0.89% of loans (+16 bps YoY).
  • Capital: net worth / assets of 10.00%, up 1 bps from a year ago.
  • Funding: loans stand at 71.48% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.59%+24 bps YoY

Net Interest Margin (YTD, annualized)

2.95%+15 bps YoY

Efficiency Ratio (YTD, annualized)

77.86%-360 bps YoY

Net Worth / Assets

10.00%+1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.36%0.40%0.37%0.58%0.59%+24 bps
Return on Equity3.56%3.90%3.67%5.60%5.94%+238 bps
Net Interest Margin2.80%2.90%2.89%3.05%2.95%+15 bps
Efficiency Ratio81.46%81.43%80.55%77.64%77.86%-360 bps
Growth
Asset Growth (YoY)-2.62%-1.19%1.15%-1.04%4.86%+748 bps
Loan Growth (YoY)-6.01%-2.80%0.43%1.88%4.07%+1,008 bps
Share Growth (YoY)0.86%1.01%2.28%2.24%8.65%+778 bps
Asset Quality
Delinquent Loans / Loans0.73%0.69%0.68%0.64%0.89%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.99%10.26%10.15%10.37%10.00%+1 bps
Net Worth / Assets9.99%10.26%10.15%10.37%10.00%+1 bps
Liquidity & Funding
Loans / Shares74.62%76.51%75.82%74.75%71.48%-314 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps