# VISION FINANCIAL
Durham, NC · NCUA charter 13492 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/vision-financial-13492

Who the members are: federal charter, multiple common bond, organized 1960, low-income designated. 6,064 members of 325,718 potential (1.9% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *quiet fade*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $60.3M |
| Members | 6,064 (-5.3% YoY) |
| Full-time staff | 15 |
| Net worth | $9.8M |
| Net worth ratio | 16.3% (p77 of band) |
| ROA (annualized) | 0.99% (p65 of band) |
| Total delinquency | 0.04% (p5 of band) |
| Net charge-offs (annualized) | 0.24% (p49 of band) |
| Loans / shares | 42% (p16 of band) |
| Cash / assets | 61.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.76% (p54 of band) |
| Operating expense / assets | 3.80% (p59 of band) |
| Vehicles % of loans | 59% (p75 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.07% (p14 of band) |
| Vehicle NCO | 0.26% (p53 of band) |
| Repossessed % of vehicle book | 0.03% (p78 of band) |
| Real estate % of loans | 25% |
| Credit cards % of loans | 10% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 74% |
| Certificates % of member funds | 12% |
| Average share balance | $4,611 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $5,046 |
| Loans granted, annualized | $7.9M |

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | losing money, charge-offs p90, repo signal, auto monoline |  |
| 2016-06 | 5 | thin capital, delinquency 2x band | repo signal |
| 2016-09 | 7 | net worth falling, repo signal |  |
| 2016-12 | 6 |  | repo signal |
| 2017-03 | 11 | expense trap, margin squeeze, repo signal, assets shrinking, loan book shrinking |  |
| 2017-06 | 8 |  | delinquency 2x band, net worth falling, expense trap |
| 2017-09 | 9 | delinquency 2x band, members leaving | repo signal |
| 2017-12 | 6 |  | losing money, thin capital, members leaving |
| 2018-03 | 4 |  | margin squeeze, delinquency 2x band |
| 2018-06 | 4 | margin squeeze | assets shrinking |
| 2018-09 | 5 | delinquency 2x band |  |
| 2018-12 | 5 | members leaving | delinquency 2x band |
| 2019-03 | 3 |  | auto monoline, margin squeeze |
| 2019-06 | 3 | repo signal | loan book shrinking |
| 2019-09 | 2 |  | repo signal |
| 2019-12 | 1 |  | charge-offs p90 |
| 2020-03 | 1 |  |  |
| 2020-06 | 4 | net worth falling, margin squeeze, loan book shrinking |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | loan book shrinking |
| 2022-03 | 2 | net worth falling | margin squeeze |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | members leaving |
| 2024-03 | 3 | delinquency rising, members leaving |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | assets shrinking |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 3 | net worth falling, delinquency rising |  |
| 2025-12 | 1 |  | net worth falling, delinquency rising |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-07-23 [Gloria Jean Turner Gunter Obituary Jul 23, 2025 - Beam Funeral Service & Crematory](https://news.google.com/rss/articles/CBMia0FVX3lxTE9qR0ZXSUVOZ0ViMG0yV1FNazVhNzAxeW1LN24yZXpMd1JWTE9WaHFlQjBxLTBJTUFMUGZyNWZlVGN1NGdUU2xUX1RlbjQwSnkwWkRocEF5cmZEaVh2dDFKdmd5alI1aldIRGhJ?oc=5) · Beam Funeral Service & Crematory
- 2025-10-21 [Obituary information for Melvin Taaffe Culler Jr - Clements Funeral & Cremation Services](https://news.google.com/rss/articles/CBMikAFBVV95cUxOMVNPckk2c1JjbUp3ZEtsQUpyWm9GX1owWTlVcGRyTXdzcTEzam0tQzQ3d2Y5Zm5DLXgyMWNDQ19VbTVHWk5abXJzQUJTTEZfcnVkQVVhUHhuS3U2MG5ockNtTjFDU1dsd0FlVjdNWmlLNFdFN2hTSGdqNzlUZG80SDZPVF95T0paWFlDNGZZOEE?oc=5) · Clements Funeral & Cremation Services
- 2015-03-04 [James “Ray” Andrews, Sr. Obituary Mar 4, 2015 - Hudson Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE5tTG9vT0Jrc3BNS21xRG14UUZJUGUtcVNzdlRVeEVLSU9adXhKeEpWRmdWODVJWXl0cS12SEJJUFNSVWRucUZUSkxIbDFQVGMwaXlMQWhxQ3dWMjBkS1ROQlhYMmZ0WnZWZ3ZGRA?oc=5) · Hudson Funeral Home

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=13492 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/52.json (key "13492", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=13492
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide