Vision One
Sacramento, CA · Charter 63137 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 1 branch
Q2 2026
$92.0MAssets
$78.8MLoans
$76.6MShares
$14.8MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 90% of credit unions under $1B in assets in CA (rank 6 of 63).
- Widest gap: net interest margin trails 86% of credit unions under $1B in assets in CA (rank 54 of 63).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.60%
Rank 31 of 63
Net Interest Margin
3.00%
Rank 54 of 63
Efficiency Ratio
81.36%
Rank 33 of 63
Equity / Assets
16.06%
Rank 6 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.60% | 0.17% | 0.56% | 1.17% | Beats 51% | 31 / 63 | |
| Return on Equity | 3.74% | 1.81% | 4.79% | 8.64% | Beats 41% | 37 / 63 | |
| Net Interest Margin | 3.00% | 3.18% | 3.49% | 3.98% | Beats 14% | 54 / 63 | |
| Efficiency Ratio | 81.36% | 70.58% | 81.25% | 89.21% | Beats 49% | 33 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.21% | 0.17% | 0.42% | 0.85% | Beats 71% | 19 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.06% | 8.61% | 10.56% | 14.01% | Beats 90% | 6 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.06% | 8.61% | 10.56% | 14.01% | Beats 90% | 6 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 102.84% | 53.46% | 72.75% | 85.33% | 95th pctl | 3 / 62 | |
| Loans / Assets | 85.64% | 46.35% | 58.08% | 72.17% | 94th pctl | 4 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |