BlastPoint's Credit Union Scorecard
VISION FINANCIAL
Charter #13492 · NC
VISION FINANCIAL has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.50% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.2% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,087
-5.2% YoY-2.4% QoQ
|
+3.5K |
2,615
-1.9% YoY
|
91,719
+6.9% YoY
|
33,374
+5.7% YoY
|
Top 8.8% in tier |
| Assets |
$59.2M
+4.6% YoY-0.6% QoQ
|
+$29.1M |
$30.1M
+2.1% YoY
|
$1.6B
+12.6% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$21.2M
+2.5% YoY-0.5% QoQ
|
+$5.4M |
$15.8M
-1.3% YoY
|
$1.1B
+9.8% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$49.2M
+4.2% YoY-1.0% QoQ
|
+$23.5M |
$25.7M
+1.4% YoY
|
$1.4B
+12.2% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
1.1%
-8.3% YoY+0.1% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.2%
-40.7% YoY
|
0.7%
+15.9% YoY
|
71% |
| NIM |
3.8%
-4.1% YoY-0.5% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
4.1%
+4.6% YoY
|
3.8%
+5.1% YoY
|
47% |
| Efficiency Ratio |
76.9%
+4.7% YoY-0.6% QoQ
|
-5.7% |
82.6%
-2.3% YoY
|
80.6%
-3.1% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
0.0%
+3.4% YoY-89.8% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
2.1%
-15.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 14.1% in tier |
| Loan To Share |
43.1%
-1.7% YoY+0.5% QoQ
|
-17.5% |
60.6%
-3.1% YoY
|
75.9%
+1.0% YoY
|
67.4%
-1.7% YoY
|
23% |
| AMR |
$11,565
+9.4% YoY+1.6% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$17,588
+4.6% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
13.7%
+23.6% YoY-8.9% QoQ
|
-10.8% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)