# VISIONS
ENDICOTT, NY · NCUA charter 17429 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/visions-17429

Who the members are: federal charter, community charter, organized 1966, low-income designated. 251,746 members of 4,119,176 potential (6.1% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 60.

**Verdict on the desk:** this could be *ordinary*. 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 | $5.25B |
| Members | 251,746 (0.5% YoY) |
| Full-time staff | 805 |
| Net worth | $544.3M |
| Net worth ratio | 10.4% (p41 of band) |
| ROA (annualized) | 0.58% (p39 of band) |
| Total delinquency | 0.64% (p52 of band) |
| Net charge-offs (annualized) | 0.38% (p33 of band) |
| Loans / shares | 75% (p22 of band) |
| Cash / assets | 9.0% |
| Borrowings / assets | 0.95% |
| Net interest margin | 3.05% (p34 of band) |
| Operating expense / assets | 3.12% (p44 of band) |
| Vehicles % of loans | 10% (p11 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 25% |
| Third-party paper % of net worth | 203% (p68 of band) |
| Vehicle delinquency | 0.45% (p33 of band) |
| Vehicle NCO | 0.69% (p30 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 103% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 27% |
| Average share balance | $8,208 |
| Participations bought / yr | $104.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $205.3M |
| Loans outstanding per 100 members | 60% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $22,845 |
| Loans granted, annualized | $663.8M |

## Participation posture (from the same filings)

Bought $104.1M and sold $0 in the latest annualized quarter; $205.3M outstanding purchased (37.7% of net worth), $147,134 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 2.2% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | net worth falling, leaning on borrowings |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | charge-offs p90, 3rd-party paper>100% NW | delinquency 2x band |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 | delinquency 2x band | charge-offs p90 |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 4 | delinquency rising |  |
| 2020-03 | 6 | net worth falling, losing money |  |
| 2020-06 | 5 |  | losing money |
| 2020-09 | 5 |  |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 4 |  | delinquency rising |
| 2021-06 | 4 |  |  |
| 2021-09 | 5 | charge-offs p90 |  |
| 2021-12 | 4 |  | delinquency 2x band |
| 2022-03 | 2 |  | net worth falling, charge-offs p90 |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | net worth falling |  |
| 2023-06 | 2 |  | net worth falling |
| 2023-09 | 3 | losing money |  |
| 2023-12 | 3 | delinquency rising | losing money |
| 2024-03 | 3 | assets shrinking | delinquency rising |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 | members leaving | leaning on borrowings |
| 2025-03 | 3 |  |  |
| 2025-06 | 1 |  | assets shrinking, members leaving |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-05-13 [Visions Federal Credit Union Expands Partnership with Syracuse University, Opens New Branch on Marshall Street - Syracuse University Athletics](https://news.google.com/rss/articles/CBMi4wFBVV95cUxPWFRoQnRtQ2ZLQ2hRdkdVbUpIUlBWcWlfTGt5dzNfWlNIbVFuXzA2NGp2YzYtRlRFQ2w2WWdoUUxBTkIzRk1Zbld5Mk13bnl2STZTZHoyeVZta0ZLazBHTDN1eVp3aWJCTFhhU05hbmJrNzNpRUFGZnRuT3c5ZVJjZTctY2doaVU0MlA2U0xBcUo3b3hGZ25vbThicy1TeEE3dGpnNlhuZ291dGl5cHpzd3F0cjBUVWxmekFBb1J2QTdiZXV1bEd4ZDQzbm9XWlVpREdhTkpHZ2xVQTBPNld5ajMtTQ?oc=5) · Syracuse University Athletics
- 2026-08-13 [Ithaca College and SUNY Cortland announce four-year Cortaca Jug partnership with Visions Federal Credit Union - Ithaca College](https://news.google.com/rss/articles/CBMizAFBVV95cUxQQkJDaVhsM0ZEOGpMQmJ1VjkzMjdzeGhteXdaVmJJcmo1cFRidDBvWWlmMS1hZFI2SkJVT1NzS3FEQnBXWVNUWlNVT1FicjdhVlVNSXlXU0NZak13S3Y1Sm5GTXVOLTJzYjEwcmRhZ1d5bGQxMmo5clBoOUt4WEM2TEppZkdJWHN3NF9PN21VYmpHQTczNl9vLVBsdGszVDNLYVc2YVZSVXVqZ3BCWThCOFNMczNnZWtYank1Mnd2RkFqQjBPR0o4MlhuZ3Y?oc=5) · Ithaca College
- 2026-05-06 [Visions Federal Credit Union celebrates 60th anniversary - WBNG](https://news.google.com/rss/articles/CBMikwFBVV95cUxPZVZCRGgtODN4WnBLTUFoejVxYVNxbmZ5Y3Z4dEpMVS16LS0zU0NrSklJbEN0RzRDNmhRdEg5YXhhVWFmNG5FYXAxdmV5ekJMQ01XOVZ4b2dYMWtSQzlFOVVHQnh1SjhzMTNYeFQ4OFp4WmpucS1RTkFPZFpzbDdoZDU4STY5eHNkanh6cDJ4WFR0MTDSAacBQVVfeXFMUDByZ3JpWFNOcENfWWhRS2dZcTM2VVlRbEgybHNjMFB6VkF6eHhaSVJDaEhIaWw2NWZzd2hicUwxVVZiTXJRam10ZmdCcmlFMGxhVUR1dVZBOTktUDAyQV9XTzQ4aXZLQTdORWM3dWU4Y0h1T1hHYl9jVUNQLWwyZ21oRkNNLVl1YVpOMVp4ZFpaMkdaSEptMG12a2ZCY0tDNkt1eWpyYTA?oc=5) · WBNG
- 2025-10-20 [Whitman, Athletics and Visions Federal Credit Union Team Up for Student Financial Success - Syracuse University Today](https://news.google.com/rss/articles/CBMivgFBVV95cUxPeEVpTGd3UFNweDE4MGlYbXlkM2NtYzBCT1ZJRTBYdm16aXhrbVNDODdpUi1tY1MzdGpOVmlOTEdyVTAwU0JaV3BwelU3UlhWTW5VX19ZZzJCcVk4b0JWNDJGU0U5TlZydi1jUGJxZzFiMWJmb3BOUjZoaTdqSzNCMndUdlh0azdRQ2RwU0ljTHNSdzl0cTBZVHZadS1KYVRfZnlyNGRjbll0ZWNxLTE1enVCRldpMmNKX194eXNR?oc=5) · Syracuse University Today
- 2026-07-03 [Visions host eighth annual Fourth on Four - WIVT - News 34](https://news.google.com/rss/articles/CBMimgFBVV95cUxORXZNZ0ZfMHhKZ3lwc3hYU2tfTVdyekRiWEt1dEtVOTA5MjhuMUV4cXVGMVE1ZjdJeEdFWVo2MkpfOG5VclpPNVp6Q2ktY19IWFdsUlpMdEtsX2xDMTBSRHFfUFNlY0lLUlhWd0ZRaFY4SzlCeXI1MTNoUmo4UmdQb1k1SnNWdnZKOXlUWld5dW5TTHRNQmRCZjV30gGfAUFVX3lxTE1pVkF1S0UtQVBKcWdPVmwtLTZvZ0IwOEZCUWEwTmlaN29xYzM2bXhIbXNtSEpvemg2S0ZmZlppdC1sOHNaNktHVlc4VlVlN2Ewbkh1MmkyZF91WjdmYlJHbUE0S3ZRclRfdkRtZklNVUJld3VfYkRWSzhrM204dFp0RnBqaVcyUWZQaVF3MkR1RkkyWUdTdTdQVDhpenM4QQ?oc=5) · WIVT - News 34
- 2025-12-29 [‘Stronger roots in this community’: Visions Federal Credit Union opens new Allentown branch - WFMZ.com](https://news.google.com/rss/articles/CBMi_AFBVV95cUxQSnQ2Q3NBWndPbTQ2QmktNzg0S2RaZm1jSlMzcm5WUWZkUXVCbzM3aVVHYWVyX1BPN251ZWxmVE55azdiZ2tVN0xxQmtTcGNTbG9CcmdLNHE1Z25CTlU0aTVqLUdISk5VaDFfNEpuWXNjMGctWkM4OC1YQnY3VEpLYmtvMERBcFJPUnR0VHRGYnY0LTdGaUsyUnZMckdCNWVmTnI5MTBCRkhtTDU5UzV6NGlHZ1M0TnBiWlRFcnZJbVp1ZW0xZlNVa3FLZVcwaVBYTUFHOTJKTm5MM2ZvbUE1OVp1d3BjaWdjLURHQUVmZ2djbWt4UHlxVEFMZGw?oc=5) · WFMZ.com
- 2026-08-14 [IC, SUNY Cortland announce Cortaca Jug naming sponsorship with Visions Federal Credit Union - 607 News Now](https://news.google.com/rss/articles/CBMixAFBVV95cUxNdW1JcVN4M3p3T2NzUzdTMmJnY0hzYXM0N3RTVlRWVFNWZHA0cDl2Qk9sQjVLM281N2lOZUJOa3BNUHl2MFE3cXEzQ05BUUJ1enczbHBuVGx1RGlNTzNfb3FyM1VfeFVhdlJEY2x4OUtHOW5lSG5UQzh3bURuZjhKRzBVRTl6aV9jc1BBRmRiUmRFQlI3SE5zMW1UQXNsNjhFSWpxaEowcGNIMWxHWmlLSkJtZnBwY2hkZzRiRlBYMWFGcWo5?oc=5) · 607 News Now
- 2026-06-25 [Lender files foreclosure action on Rochester ice rink - rbj.net](https://news.google.com/rss/articles/CBMikAFBVV95cUxObFJQNV9COGVxcUdESUFGSWJIdV9IRUlzVkFrMk9oRnA5MkE1NUNLUHQ2aXo4X2IzTjdZWmx2enB4U284M3RUUlE2RFJBMTZWREVzZWZwcExNaHBJTzR2ZXpaRXQ5QTZtbFEyYjRvc2JtRWFvemgtNGxHWGhWdzJhekNVVk1kcTM1a2tId05ibi0?oc=5) · rbj.net

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17429 (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/21.json (key "17429", 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=17429
- 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