TellerScore

Vision One Credit Union is a federally insured state-chartered credit union headquartered in Sacramento, California, in business for about 75 years. At the end of Q2 2026 it reported $92.0M in total assets and $76.6M in member shares and deposits.

Based on its Q2 2026 filing, Vision One Credit Union scores 78/100, which we describe as strong. That is higher than 59% of 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 72nd. Its strongest component is capital cushion (100/100; 16.06%), and its lowest is funding & liquidity (38/100; 103% loans-to-deposits, 32% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.06%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.21%
Earnings44/100
Return on assets (annualized): 0.60%
Funding & liquidity38/100
Loans ÷ shares: 102.8% · 32.2% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.14%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (77 → 78).

TellerScore
697478Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202477
Q4 202478
Q1 202577
Q2 202577
Q3 202576
Q4 202569
Q1 202677
Q2 202678
Net worth ratio
7.00%11.79%16.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.21%
Q3 202416.07%
Q4 202415.45%
Q1 202515.59%
Q2 202516.06%
Q3 202516.13%
Q4 202516.58%
Q1 202615.95%
Q2 202616.06%
Delinquent loans (60+ days)
0.00%0.38%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.04%
Q1 20250.00%
Q2 20250.00%
Q3 20250.14%
Q4 20250.76%
Q1 20260.18%
Q2 20260.21%
Return on assets
0.15%0.38%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.36%
Q3 20240.32%
Q4 20240.26%
Q1 20250.15%
Q2 20250.21%
Q3 20250.23%
Q4 20250.17%
Q1 20260.50%
Q2 20260.60%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$92.0M16.06%0.21%0.60%102.8%
Q1 202677$91.6M15.95%0.18%0.50%104.2%
Q4 202569$87.4M16.58%0.76%0.17%105.6%
Q3 202576$89.9M16.13%0.14%0.23%100.5%
Q2 202577$90.0M16.06%0.00%0.21%103.2%
Q1 202577$92.3M15.59%0.00%0.15%101.9%
Q4 202478$92.9M15.45%0.04%0.26%100.9%
Q3 202477$89.2M16.07%0.00%0.32%105.8%
Q2 202478$94.0M15.21%0.00%0.36%99.3%

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).

Capital ratio16.06%
60th
Problem loans0.21%
73rd
Net charge-offs0.43%
30th
Return on assets0.60%
47th
Loans to deposits102.8%
2nd
Uninsured deposits32.2%
1st
Loan-loss reserves0.00%
37th
Texas ratio1.1%
63rd

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Upward Credit UnionCredit union Burlingame, CA68 out of 100, Moderate$92.7M11.4%1.15%vs
McKesson & Healthcare Providers Federal Credit UnionCredit union Martinez, CA65 out of 100, Moderate$92.8M13.4%1.47%vs
County Schools Federal Credit UnionCredit union Ventura, CA34 out of 100, Low$91.0M8.5%3.52%vs
Union Yes Federal Credit UnionCredit union Orange, CA74 out of 100, Strong$89.0M8.6%0.00%vs
Desert Valleys Federal Credit UnionCredit union Ridgecrest, CA67 out of 100, Moderate$88.8M9.4%0.73%vs
VA Desert Pacific Federal Credit UnionCredit union Long Beach, CA86 out of 100, Very strong$98.8M21.1%0.07%vs

Deposit insurance

Is my money safe at Vision One Credit Union?

Yes. Vision One Credit Union is a federally insured credit union (NCUA charter #63137). 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 32.2% of shares and deposits ($24.7M) 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 16.06%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Vision One Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63137
RSSD ID
353890
Primary regulator
State + NCUA
Established
1951
Headquarters
3279 Ramos Cir, Sacramento, CA 95827
Employees
10

Quick answers

Vision One Credit Union: common questions

Is Vision One Credit Union NCUA insured?

Yes. Vision One Credit Union is a federally insured credit union (NCUA charter #63137). 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 One Credit Union's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.