VISION ONE
Charter #63137 · Sacramento, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,494 sits at the 11th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.18% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.87% sits at the 90th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 86th percentile but its structural peers at the 36th — a 50-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 | VISION ONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $91.60M | 86th pct | 36th pct |
| Members | 1,494 | 0th pct | 11th pct |
| Net worth ratio | 15.95% | 75th pct | 64th pct |
| Return on average assets | 0.51% | 39th pct | 43th pct |
| Net interest margin | 3.09% | 20th pct | 36th pct |
| Cost of funds | 1.77% | 88th pct | 43th pct |
| Loan-to-share | 104.18% | 100th pct | 84th pct |
| Delinquency 60+ days | 0.18% | 18th pct | 15th pct |
| Net charge-off ratio | 0.87% | 87th pct | 90th pct |
| Loan growth YoY | 6.25% | 95th pct | 92th pct |
| Share growth YoY | 2.45% | 45th pct | 54th pct |
| Efficiency ratio | 81.92% | 57th pct | 52th pct |
structural peer set hash: 0fb7733030017690aeb0f859f438c866… (reproducible)
Closest structural peers
This is the free public view
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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.