VISIONS

Charter #17429 | NY

5B-7B (34 CUs) Large (64 CUs)
1 5B-7B in NY

VISIONS has 3 strengths but faces 14 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 31.6% in tier
  • + Emerging Performer: Top 33.3% in tier
  • + Wallet Share Momentum: Top 34.2% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 8.2% in tier
  • - Efficiency Drag: Bottom 9.5% in tier
  • - Membership Headwinds: Bottom 30.4% in tier
  • - Stagnation Risk: Bottom 39.1% in tier
  • - Institutional Decline: Bottom 44.4% in tier
  • - ROA 0.40% below tier average
  • - Efficiency ratio 13.30% above tier (higher cost structure)
  • - Delinquency rate 0.07% above tier average
  • - Member decline: -2.2% YoY
  • - Member Growth Rate: Bottom 8.8% in tier
  • - Asset Growth Rate: Bottom 8.8% in tier
  • - Loan Growth Rate: Bottom 8.8% in tier
  • - Deposit Growth Rate: Bottom 8.8% in tier
  • - Members Per Employee (MPE): Bottom 8.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 252,760
-2.2% YoY+0.3% QoQ
 -37.0K 289,724
-2.8% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 29th in tier
Assets $5.2B
-1.2% YoY-1.5% QoQ
 $-595.3M $5.8B
+0.2% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 Bottom 20.6% in tier
Loans $3.4B
-2.8% YoY+1.0% QoQ
 $-666.1M $4.1B
-3.1% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 14.7% in tier
Deposits $4.5B
+1.0% YoY-1.5% QoQ
 $-422.8M $4.9B
+2.2% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 26th in tier
ROA 0.4%
+219.8% YoY+12.0% QoQ
 -0.4% 0.8%
+15.5% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 Bottom 11.8% in tier
NIM 2.9%
+10.4% YoY+3.1% QoQ
 -0.0% 2.9%
+3.9% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 41st in tier
Efficiency Ratio 81.4%
-9.3% YoY-0.0% QoQ
 +13.3% 68.1%
-1.7% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 Top 8.8% in tier
Delinquency Rate 0.7%
+27.5% YoY-4.9% QoQ
 +0.1 0.6%
-2.2% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 62nd in tier
Loan To Share 76.5%
-3.8% YoY+2.5% QoQ
 -7.1% 83.6%
-5.7% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 Bottom 23.5% in tier
AMR $31,183
+1.6% YoY-0.8% QoQ
 $-3K $34,398
+4.0% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 44th in tier
CD Concentration 27.6%
+1.5% YoY+1.6% QoQ
 -1.2% 28.9%
-1.3% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 45th in tier
Indirect Auto % 2.9%
-27.2% YoY-6.3% QoQ
 -13.7% 16.6%
-10.3% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 Bottom 20.3% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#38 of 46 • Top 31.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.59%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.9K
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Emerging Performer

growth
#30 of 31 • Top 33.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.40%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -2.23%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY

Wallet Share Momentum

growth
#41 of 46 • Top 34.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.59%
(Tier: 2.82%, National: 4.19%)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk
#11 of 34 • Bottom 8.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.15% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 CUs YoY | Rank improving

Efficiency Drag

risk
#3 of 6 • Bottom 9.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.43%
(Tier: 66.07%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.27% points
(Tier: 0.13% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -2.23%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
6 of 64 Large CUs have this signature | 624 nationally
→ Stable (8→6 CUs) -2 CUs YoY

Membership Headwinds

decline
#8 of 10 • Bottom 30.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -2.23%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
10 of 64 Large CUs have this signature | 648 nationally
↑ Growing +7 CUs YoY | New qualifier

Stagnation Risk

risk
#10 of 10 • Bottom 39.1% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.40%
(Tier: 0.91%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.23%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $31.2K
(Tier: $34.1K, National: $19.4K)
worse than tier avg
CD Concentration: 27.62%
(Tier: 28.87%, National: 19.60%)
but better than tier avg
10 of 64 Large CUs have this signature | 648 nationally
↑ Growing +7 CUs YoY | New qualifier

Institutional Decline

decline
#5 of 5 • Bottom 44.4% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $5.20B
(Tier: $5.79B, National: $547.69M)
worse than tier avg
Member Growth (YoY): -2.23%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -2.80%
(Tier: 4.99%, National: 36.38%)
worse than tier avg
5 of 64 Large CUs have this signature | 293 nationally
→ Stable (1→5 CUs) +4 CUs YoY | New qualifier

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)

Comparing against 34 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

32
Efficiency Ratio
profitability
Value: 81.43%
Peer Avg: 68.13%
#32 of 34 Bottom 8.8% in 5B-7B tier
32
Member Growth Rate
growth
Value: -2.23%
Peer Avg: 3.26%
#32 of 34 Bottom 8.8% in 5B-7B tier
32
Asset Growth Rate
growth
Value: -1.19%
Peer Avg: 6.10%
#32 of 34 Bottom 8.8% in 5B-7B tier
32
Loan Growth Rate
growth
Value: -2.80%
Peer Avg: 5.95%
#32 of 34 Bottom 8.8% in 5B-7B tier
32
Deposit Growth Rate
growth
Value: 1.01%
Peer Avg: 8.13%
#32 of 34 Bottom 8.8% in 5B-7B tier
32
Members Per Employee (MPE)
engagement
Value: 291.198
Peer Avg: 430.688
#32 of 34 Bottom 8.8% in 5B-7B tier
30
Return on Assets (ROA)
profitability
Value: 0.40%
Peer Avg: 0.80%
#30 of 34 Bottom 14.7% in 5B-7B tier
29
Total Loans
balance_sheet
Value: $3.42B
Peer Avg: $4.08B
#29 of 34 Bottom 17.6% in 5B-7B tier
27
Total Assets
balance_sheet
Value: $5.20B
Peer Avg: $5.79B
#27 of 34 Bottom 23.5% in 5B-7B tier