Credit Union Safety Analysis
Is Vision One Credit Union Safe? Sacramento, California
Based on its Q2 2026 NCUA 5300 call report, Vision One Credit Union has a net worth ratio of 16.06%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.21%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Vision One Credit Union's net worth ratio is 16.06%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.06%
- Delinquency ratio (60+ days) (Q2 2026): 0.21%
- Return on assets (Q2 2026): 0.71%
- Loan-to-share ratio (Q2 2026): 102.84%
Vision One Credit Union (NCUA charter 63137, established 1951) reported $92.0M in assets and 1,512 members for Q2 2026 from Sacramento, California. It ranks 154 of 238 credit unions in California by total assets. Total assets grew 2.3% from $90.0M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 15.95% for Q1 2026; 16.06% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.18% for Q1 2026 .
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.50% for Q1 2026; 0.26% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 104.18% for Q1 2026; 103.19% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $71.6M
- Other secured non-real estate loans and lines of credit: $7.2M
- 1- to 4-family residential and other consumer real estate loans: $38K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $92.0M | 16.06% | 0.21% | 0.71% | 102.84% |
| March 31, 2026 | $91.6M | 15.95% | 0.18% | 0.50% | 104.18% |
| December 31, 2025 | $87.4M | 16.58% | 0.76% | 0.00% | 105.58% |
| September 30, 2025 | $89.9M | 16.13% | 0.14% | 0.26% | 100.45% |
| June 30, 2025 | $90.0M | 16.06% | — | 0.26% | 103.19% |
| March 31, 2025 | $92.3M | 15.59% | — | 0.15% | 101.93% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Vision One Credit Union profile
Regulator records: NCUA credit union profile (charter 63137) · FFIEC NIC profile (RSSD 353890)
Frequently asked questions
Is Vision One Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Vision One Credit Union's net worth ratio is 16.06%, above the 7% NCUA threshold for well capitalized.
Is Vision One Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Vision One Credit Union is a federally insured credit union (NCUA charter 63137): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Vision One Credit Union's key safety ratios?
For Q2 2026, Vision One Credit Union reports net worth 16.06%, delinquency 0.21%, ROA 0.71%, loan-to-share 102.84%.
What happens to my money if Vision One Credit Union fails?
For Q2 2026, Vision One Credit Union held $76.6M in shares and deposits for 1,512 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.