Visions Federal Credit Union (NCUA charter #17429) is based in Endicott, New York. Its Q2 2026 call report shows $5.5B in total assets and $4.9B in member shares and deposits and 22 offices across 2 states.
Visions Federal Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 454 credit unions with $1 billion – $10 billion. Among 268 credit unions headquartered in New York, it ranks 178th. Funding & liquidity contributes the most (89/100, 71% loans-to-deposits, 10% uninsured); earnings contributes the least (44/100, 0.59%).
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
The score has been essentially flat from Q2 2025 to Q2 2026 (63 → 64).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 61 |
| Q4 2024 | 62 |
| Q1 2025 | 64 |
| Q2 2025 | 63 |
| Q3 2025 | 64 |
| Q4 2025 | 64 |
| Q1 2026 | 67 |
| Q2 2026 | 64 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.50% |
| Q3 2024 | 9.84% |
| Q4 2024 | 9.91% |
| Q1 2025 | 9.87% |
| Q2 2025 | 9.99% |
| Q3 2025 | 10.26% |
| Q4 2025 | 10.15% |
| Q1 2026 | 10.37% |
| Q2 2026 | 10.00% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.68% |
| Q3 2024 | 0.54% |
| Q4 2024 | 0.52% |
| Q1 2025 | 0.64% |
| Q2 2025 | 0.73% |
| Q3 2025 | 0.69% |
| Q4 2025 | 0.68% |
| Q1 2026 | 0.64% |
| Q2 2026 | 0.89% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.13% |
| Q4 2024 | 0.11% |
| Q1 2025 | 0.46% |
| Q2 2025 | 0.36% |
| Q3 2025 | 0.40% |
| Q4 2025 | 0.37% |
| Q1 2026 | 0.58% |
| Q2 2026 | 0.59% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $5.5B | 10.00% | 0.89% | 0.59% | 71.5% |
| Q1 2026 | 67 | $5.3B | 10.37% | 0.64% | 0.58% | 74.8% |
| Q4 2025 | 64 | $5.3B | 10.15% | 0.68% | 0.37% | 75.8% |
| Q3 2025 | 64 | $5.2B | 10.26% | 0.69% | 0.40% | 76.5% |
| Q2 2025 | 63 | $5.3B | 9.99% | 0.73% | 0.36% | 74.6% |
| Q1 2025 | 64 | $5.3B | 9.87% | 0.64% | 0.46% | 75.0% |
| Q4 2024 | 62 | $5.2B | 9.91% | 0.52% | 0.11% | 77.2% |
| Q3 2024 | 61 | $5.3B | 9.84% | 0.54% | 0.13% | 79.5% |
| Q2 2024 | 58 | $5.4B | 9.50% | 0.68% | 0.07% | 80.1% |
454 peers · $1 billion – $10 billion
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 New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Municipal Credit UnionCredit union New York, NY | 68 out of 100, Moderate | $5.2B | 11.9% | 1.66% | vs |
| Jovia Financial Federal Credit UnionCredit union Westbury, NY | 57 out of 100, Moderate | $4.6B | 9.8% | 1.28% | vs |
| Empower Federal Credit UnionCredit union Syracuse, NY | 59 out of 100, Moderate | $4.3B | 9.7% | 1.05% | vs |
| Usalliance Federal Credit UnionCredit union Rye, NY | 53 out of 100, Below average | $3.4B | 8.3% | 0.84% | vs |
| Americu Credit UnionCredit union Rome, NY | 48 out of 100, Below average | $3.0B | 9.6% | 1.89% | vs |
| Hudson Valley Federal Credit UnionCredit union Poughkeepsie, NY | 65 out of 100, Moderate | $8.1B | 10.6% | 0.60% | vs |
Deposit insurance
Is my money safe at Visions Federal Credit Union?
Yes. Visions Federal Credit Union is a federally insured credit union (NCUA charter #17429). 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 9.9% of shares and deposits ($489.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 10.00%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
22 locations
Branches
Visions Federal Credit Union lists 22 offices in 17 cities across 2 states. Most locations:
- Binghamton, NY (3)
- Endicott, NY (2)
- Newark Valley, NY (2)
- Vestal, NY (2)
- Cortland, NY (1)
- Elmira, NY (1)
- Endwell, NY (1)
- Horseheads, NY (1)
- Johnson City, NY (1)
- Norwich, NY (1)
- Owego, NY (1)
- Rochester, NY (1)
HMDA 2025
Mortgage lending
In 2025, Visions Federal Credit Union reported 3,614 home-loan applications under HMDA (LEI 549300TDVGWRELEO5F50): 2,068 originated ($344,750,000 total), 1,039 denied, and 425 withdrawn or closed by the applicant. Its denial rate on decided applications was 32.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Visions Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 17429
- RSSD ID
- 562786
- Primary regulator
- NCUA
- Established
- 1966
- Headquarters
- 24 McKinley Ave, Endicott, NY 13760
- Employees
- 868
Quick answers
Visions Federal Credit Union: common questions
Is Visions Federal Credit Union NCUA insured?
Yes. Visions Federal Credit Union is a federally insured credit union (NCUA charter #17429). 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 Visions Federal Credit Union's TellerScore?
64 out of 100 (Moderate), 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 Visions Federal Credit Union have?
22 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Endicott
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Honesdale National BankBank Honesdale, PA | 84 out of 100, Strong | $1.2B | 13.7% | 0.24% | vs |
| U. H. S. Employees Federal Credit UnionCredit union Johnson City, NY | 72 out of 100, Strong | $25.6M | 10.7% | 1.05% | vs |
| Chemung Canal Trust Company, National AssociationBank Elmira, NY | 72 out of 100, Strong | $2.8B | 11.4% | 0.38% | vs |
| Tioga State Bank National AssociationBank Spencer, NY | 71 out of 100, Strong | $625.2M | 11.4% | 1.00% | vs |
| Peoples Security Bank and Trust CompanyBank Dunmore, PA | 69 out of 100, Moderate | $5.4B | 10.5% | 0.33% | vs |
| Sidney Federal Credit UnionCredit union Sidney, NY | 67 out of 100, Moderate | $1.3B | 10.5% | 0.85% | vs |