Vision Financial Federal Credit Union (NCUA charter #13492) is based in Durham, North Carolina. Its Q2 2026 call report shows $59.5M in total assets and $49.1M in member shares and deposits and 2 offices.
Vision Financial Federal Credit Union has a TellerScore of 94 out of 100 (very strong) based on Q2 2026 data — higher than 95% of its 2,479 credit unions with under $100 million in assets. Among 57 credit unions headquartered in North Carolina, it ranks 2nd. Capital cushion contributes the most (100/100, 16.82%); earnings contributes the least (69/100, 1.23%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (92 → 94), mostly because the loan quality component improved by 6 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 92 |
| Q3 2024 | 93 |
| Q4 2024 | 94 |
| Q1 2025 | 92 |
| Q2 2025 | 92 |
| Q3 2025 | 91 |
| Q4 2025 | 93 |
| Q1 2026 | 92 |
| Q2 2026 | 94 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.09% |
| Q3 2024 | 15.31% |
| Q4 2024 | 15.90% |
| Q1 2025 | 16.01% |
| Q2 2025 | 16.00% |
| Q3 2025 | 15.91% |
| Q4 2025 | 16.30% |
| Q1 2026 | 16.25% |
| Q2 2026 | 16.82% |
Show as table
| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.05% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.14% |
| Q2 2025 | 0.17% |
| Q3 2025 | 0.22% |
| Q4 2025 | 0.02% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.18% |
| Q3 2024 | 1.21% |
| Q4 2024 | 1.23% |
| Q1 2025 | 1.14% |
| Q2 2025 | 1.22% |
| Q3 2025 | 1.11% |
| Q4 2025 | 1.12% |
| Q1 2026 | 0.99% |
| Q2 2026 | 1.23% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 94 | $59.5M | 16.82% | 0.00% | 1.23% | 41.1% |
| Q1 2026 | 92 | $60.3M | 16.25% | 0.04% | 0.99% | 41.6% |
| Q4 2025 | 93 | $59.2M | 16.30% | 0.02% | 1.12% | 43.1% |
| Q3 2025 | 91 | $59.6M | 15.91% | 0.22% | 1.11% | 42.9% |
| Q2 2025 | 92 | $58.4M | 16.00% | 0.17% | 1.22% | 40.2% |
| Q1 2025 | 92 | $57.2M | 16.01% | 0.14% | 1.14% | 43.3% |
| Q4 2024 | 94 | $56.6M | 15.90% | 0.02% | 1.23% | 43.8% |
| Q3 2024 | 93 | $57.6M | 15.31% | 0.05% | 1.21% | 42.8% |
| Q2 2024 | 92 | $57.2M | 15.09% | 0.13% | 1.18% | 41.7% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in North Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Acclaim Federal Credit UnionCredit union Greensboro, NC | 78 out of 100, Strong | $60.4M | 12.9% | 0.44% | vs |
| Charlotte Fire Department Credit UnionCredit union Charlotte, NC | 74 out of 100, Strong | $56.0M | 14.0% | 1.59% | vs |
| Lion'S Share Federal Credit UnionCredit union Salisbury, NC | 32 out of 100, Low | $64.7M | 3.2% | 1.26% | vs |
| Telco Credit UnionCredit union Tarboro, NC | 35 out of 100, Low | $51.3M | 12.5% | 6.00% | vs |
| Electel CooperativeCredit union Raleigh, NC | 72 out of 100, Strong | $68.2M | 12.7% | 0.37% | vs |
| Healthshare Credit UnionCredit union Greensboro, NC | 72 out of 100, Strong | $50.5M | 13.3% | 0.33% | vs |
Deposit insurance
Is my money safe at Vision Financial Federal Credit Union?
Yes. Vision Financial Federal Credit Union is a federally insured credit union (NCUA charter #13492). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 4.7% of shares and deposits ($2.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 16.82%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Vision Financial Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Durham, NC (1)
- Roxboro, NC (1)
Identity & history
Profile
- Legal name
- Vision Financial Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 13492
- RSSD ID
- 972983
- Primary regulator
- NCUA
- Established
- 1960
- Headquarters
- PO Box 15818, Durham, NC 27704
- Employees
- 20
Quick answers
Vision Financial Federal Credit Union: common questions
Is Vision Financial Federal Credit Union NCUA insured?
Yes. Vision Financial Federal Credit Union is a federally insured credit union (NCUA charter #13492). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Vision Financial Federal Credit Union's TellerScore?
94 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Vision Financial Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Durham
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mount Vernon Baptist Church Credit UnionCredit union Durham, NC | 100 out of 100, Very strong | $153K | 37.7% | 0.00% | vs |
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Farmers & Merchants BankBank Granite Quarry, NC | 90 out of 100, Very strong | $998.8M | 15.3% | 0.79% | vs |
| Roxboro Savings Bank, SSBBank Roxboro, NC | 90 out of 100, Very strong | $360.7M | 19.0% | 0.13% | vs |
| Summit Credit UnionCredit union Greensboro, NC | 82 out of 100, Strong | $368.8M | 15.4% | 0.71% | vs |
| Providence BankBank Rocky Mount, NC | 82 out of 100, Strong | $1.5B | 12.2% | 0.12% | vs |