Credit Union Safety Analysis
Is Visions Federal Credit Union Safe? Endicott, New York
Based on its Q2 2026 NCUA 5300 call report, Visions Federal Credit Union has a net worth ratio of 10.00%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.89%, 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, Visions Federal Credit Union's net worth ratio is 10.00%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.00%
- Delinquency ratio (60+ days) (Q2 2026): 0.89%
- Return on assets (Q2 2026): 0.64%
- Loan-to-share ratio (Q2 2026): 71.48%
Visions Federal Credit Union (NCUA charter 17429, established 1966) reported $5.53B in assets and 253,264 members for Q2 2026 from Endicott, New York. It ranks 7 of 267 credit unions in New York by total assets. Total assets grew 4.9% from $5.28B on June 30, 2025. It has 1,336 more members than on June 30, 2025 (+0.5%). Its net worth ratio was up 0.01 percentage points from 9.99% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $2.04B of $3.52B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.89% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.37% for Q1 2026; 9.99% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.64% for Q1 2026; 0.73% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.58% for Q1 2026; 0.25% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 74.75% for Q1 2026; 74.62% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $2.04B
- Commercial loans: $569.1M
- Other unsecured loans and lines of credit: $204.7M
- Used vehicle loans: $204.1M
- New vehicle loans: $130.2M
- Unsecured credit card loans: $94.8M
- Other secured non-real estate loans and lines of credit: $28.6M
- Non-federally guaranteed student loans: $10.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $5.53B | 10.00% | 0.89% | 0.64% | 71.48% |
| March 31, 2026 | $5.25B | 10.37% | 0.64% | 0.58% | 74.75% |
| December 31, 2025 | $5.29B | 10.15% | 0.68% | 0.31% | 75.82% |
| September 30, 2025 | $5.20B | 10.26% | 0.69% | 0.48% | 76.51% |
| June 30, 2025 | $5.28B | 9.99% | 0.73% | 0.25% | 74.62% |
| March 31, 2025 | $5.31B | 9.87% | 0.64% | 0.46% | 75.02% |
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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.
Visions Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 17429) · FFIEC NIC profile (RSSD 562786)
Frequently asked questions
Is Visions Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Visions Federal Credit Union's net worth ratio is 10.00%, above the 7% NCUA threshold for well capitalized.
Is Visions Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Visions Federal Credit Union is a federally insured credit union (NCUA charter 17429): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Visions Federal Credit Union's key safety ratios?
For Q2 2026, Visions Federal Credit Union reports net worth 10.00%, delinquency 0.89%, ROA 0.64%, loan-to-share 71.48%.
What happens to my money if Visions Federal Credit Union fails?
For Q2 2026, Visions Federal Credit Union held $4.92B in shares and deposits for 253,264 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.