VISION ONE
Charter #63137 | CA
<100M
(2596 CUs)
Micro
($0-$500M)
92 <100M in CA
VISION ONE has 9 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.0% in tier
- + Total Loans: Top 0.2% in tier
- + Fee Income Per Member: Top 1.3% in tier
- + Loan-to-Share Ratio: Top 3.7% in tier
- + Total Assets: Top 3.7% in tier
- + Total Deposits: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Efficiency ratio 12.19% above tier (higher cost structure)
- - Member decline: -6.7% YoY
- - Share Certificate Concentration (%): Bottom 7.6% in tier
- - Members Per Employee (MPE): Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,532
-6.7% YoY-1.1% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
41st in tier |
| Assets |
$89.9M
+0.8% YoY-0.1% QoQ
|
+$60.1M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Top 3.8% in tier |
| Loans |
$74.9M
-4.3% YoY-3.2% QoQ
|
+$59.1M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 0.2% in tier |
| Deposits |
$74.6M
+0.7% YoY-0.5% QoQ
|
+$49.1M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Top 4.9% in tier |
| ROA |
0.2%
-28.6% YoY+10.0% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 24.9% in tier |
| NIM |
2.9%
-0.3% YoY+2.2% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 15.6% in tier |
| Efficiency Ratio |
93.6%
+8.6% YoY-0.5% QoQ
|
+12.2% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 18.1% in tier |
| Delinquency Rate | 0.1% | -1.4 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 23.5% in tier |
| Loan To Share |
100.5%
-5.0% YoY-2.7% QoQ
|
+39.2% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 3.9% in tier |
| AMR |
$97,576
+5.2% YoY-0.8% QoQ
|
+$83K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 0.1% in tier |
| CD Concentration |
39.3%
-0.5% YoY-5.6% QoQ
|
+14.9% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
2
Average Member Relationship (AMR)
engagement
Value:
$97,576
Peer Avg: $14,627
#2 of 2596
Top 0.0% in <100M tier
2
Loan-to-Member Ratio (LMR)
engagement
Value:
$48,898
Peer Avg: $5,488
#2 of 2596
Top 0.0% in <100M tier
6
Total Loans
balance_sheet
Value:
$74.91M
Peer Avg: $15.77M
#6 of 2596
Top 0.2% in <100M tier
36
Fee Income Per Member
profitability
Value:
$362.27
Peer Avg: $182.96
#36 of 2596
Top 1.3% in <100M tier
98
Loan-to-Share Ratio
balance_sheet
Value:
100.45%
Peer Avg: 61.23%
#98 of 2596
Top 3.7% in <100M tier
98
Total Assets
balance_sheet
Value:
$89.92M
Peer Avg: $29.86M
#98 of 2596
Top 3.7% in <100M tier
127
Total Deposits
balance_sheet
Value:
$74.57M
Peer Avg: $25.45M
#127 of 2596
Top 4.9% in <100M tier
612
Total Delinquency Rate (60+ days)
risk
Value:
0.14%
Peer Avg: 1.51%
#612 of 2596
Top 23.5% in <100M tier
Top Weaknesses (6 metrics)
2399
Share Certificate Concentration (%)
balance_sheet
Value:
39.34%
Peer Avg: 15.37%
#2399 of 2596
Bottom 7.6% in <100M tier
2338
Members Per Employee (MPE)
engagement
Value:
153.200
Peer Avg: 365.701
#2338 of 2596
Bottom 10.0% in <100M tier
2316
Member Growth Rate
growth
Value:
-6.70%
Peer Avg: 14.92%
#2316 of 2596
Bottom 10.8% in <100M tier
2191
Net Interest Margin (NIM)
profitability
Value:
2.91%
Peer Avg: 3.93%
#2191 of 2596
Bottom 15.6% in <100M tier
2126
Efficiency Ratio
profitability
Value:
93.59%
Peer Avg: 81.39%
#2126 of 2596
Bottom 18.1% in <100M tier
1950
Return on Assets (ROA)
profitability
Value:
0.23%
Peer Avg: 0.68%
#1950 of 2596
Bottom 24.9% in <100M tier