VISIONS
Charter #17429 · ENDICOTT, NY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 251,746 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 30th percentile but its structural peers at the 56th — a 26-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | VISIONS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $5.25B | 83th pct | 72th pct |
| Members | 251,746 | 79th pct | 79th pct |
| Net worth ratio | 10.37% | 41th pct | 48th pct |
| Return on average assets | 0.58% | 38th pct | 36th pct |
| Net interest margin | 3.04% | 30th pct | 56th pct |
| Cost of funds | 1.54% | 39th pct | 38th pct |
| Loan-to-share | 74.75% | 21th pct | 30th pct |
| Delinquency 60+ days | 0.64% | 51th pct | 51th pct |
| Net charge-off ratio | 0.38% | 32th pct | 41th pct |
| Loan growth YoY | 1.19% | 41th pct | 47th pct |
| Share growth YoY | 3.57% | 40th pct | 55th pct |
| Efficiency ratio | 77.64% | 69th pct | 62th pct |
structural peer set hash: 2afa070609c33204d1710030b2501446… (reproducible)
Closest structural peers
This is the free public view
Claim VISIONS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.