Vision One Credit Union Sacramento, California
Vision One Credit Union is a state-chartered credit union headquartered in Sacramento, CA, established in 1951 (NCUA charter 63137), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,512 members and total assets of $92.0M (up 2.3% from Q2 2025), the 154th largest of 238 credit unions headquartered in California. Its net worth ratio was 16.06% at Q2 2026, in the well capitalized band.
Also written as Vision One CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 63137
- Headquarters
- Sacramento, CA
- Established
- 1951
- Total assets, Q2 2026
- $92.0M
- Assets vs Q2 2025
- +2.3%
- Members, Q2 2026
- 1,512
- Net worth ratio, Q2 2026
- 16.06%
- Latest call report
- Q2 2026, NCUA 5300 · Vision One Credit Union call report
- Asset rank in state
- 154th of 238 in California
- Routing number
- 321175258
- Branches
- 1
It has 37 fewer members than on June 30, 2025 (-2.4%). Its net worth ratio was unchanged from June 30, 2025. Commercial loans are its largest loan category, $71.6M of $78.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.21% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 16.06% net worth ratio is above that band's 14.31% median.
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Frequently asked about Vision One Credit Union
How big is Vision One Credit Union?
At Q2 2026 it reported total assets of $92.0M and 1,512 members.
Where is Vision One Credit Union headquartered?
It is headquartered in Sacramento, CA, United States.
When was Vision One Credit Union founded?
It was established in 1951, per NCUA records.
Is Vision One Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 63137): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Vision One Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Vision One Credit Union well capitalized?
Its net worth ratio was 16.06% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Vision One Credit Union's delinquency ratio?
Its delinquency ratio was 0.21% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Vision One Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 102.84% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Sacramento, CA 95827
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1951
- NCUA Charter #
- 63137
- RSSD ID
- 353890
- Members
- 1,512
- Potential members
- 105,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 16.06% | 14.31% | 59th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.71% | 0.72% | 49th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 4.40% | 4.74% | 48th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.99% | 3.93% | 17th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 80.80% | 79.83% | 48th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.57% | 0.78% | 15th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.21% | 0.86% | 84th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.55% | 4.70% | 43rd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 102.84% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$92.0M total assets against $90.0M; $76.6M total shares and deposits against $75.0M; $78.8M total loans against $77.4M.
$14.8M net worth against $14.5M.
16.06% net worth ratio against 16.06%.
102.84% loan-to-share ratio against 103.19%.
0.21% delinquency ratio.
0.71% return on assets against 0.26%; 4.40% return on equity against 1.61%.
2.99% net interest margin against 2.86%.
1,512 members against 1,549.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.06% | 0.71% | 0.21% | 102.84% |
| March 31, 2026 | 15.95% | 0.50% | 0.18% | 104.18% |
| December 31, 2025 | 16.58% | 0.00% | 0.76% | 105.58% |
| September 30, 2025 | 16.13% | 0.26% | 0.14% | 100.45% |
| June 30, 2025 | 16.06% | 0.26% | — | 103.19% |
| March 31, 2025 | 15.59% | 0.15% | — | 101.93% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.