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Overview / Commentary
812-945-4600
206 W Lewis and Clark Pkwy
Clarksville, IN 47129-1646

One Vision Credit Union is headquartered in Clarksville and is the 59th largest credit union in the state of Indiana. It is also the 2,257th largest credit union in the nation. It was established in 1954 and as of March of 2014, it had grown to 17 employees and 5,425 members. One Vision Credit Union has a A health rating.

Field of Membership Restrictions

You are eligible to join One Vision Federal Credit Union if you live, work, worship, or attend school in Clark, Floyd, or Harrison Counties in Indiana. Your family is also eligible to join. - See Details

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Health

Data for Q1 2014

Institution Health

A
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. One Vision Credit Union has a relatively low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 One Vision Credit Union had $106,000 in non-current loans and owned real-estate with $6.18 million in equity and loan loss allowances on hand to cover it. This gives One Vision Credit Union a Texas Ratio of 1.72% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for One Vision Credit Union experienced no significant changes from 1.14% as of March 31, 2013 to 1.72% as of March 31, 2014, resulting in a negative change of 50.88%. This indicates that the balance sheet and financial strength for One Vision Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, One Vision Credit Union has increased its total deposits by $8.88 million, resulting in 24.25% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth One Vision Credit Union has shown is excellent.

Capitalization

GRADE:
A

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. One Vision Credit Union has $51.72 million in assets with $6.18 million in equity, resulting in a capitalization level of 11.95%, which is excellent.

Institution Statistics

Overall
NCUA #9097
Year Chartered1954
Employees17
Primary Regulator
Assets and Liabilities
Assets$51.72 million
Loans$21.85 million
Deposits$45.50 million
Equity Capital$5.98 million
Loan Loss Allowance$202,000
Unbacked Noncurrent Loans$106,000
Real Estate Owned$0
Historic Data - March 2013
Assets$42.06 million
Equity Capital$5.19 million
Loan Loss Allowance$85,000
Unbacked Noncurrent Loans$106,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.19%
Return on Assets0.06%
Return on Equity0.54%
Interest Income$322,000
Rates

Always verify rates and promotions with the bank or credit union. We are not One Vision Credit Union, we are a rate comparison website and can not provide official rates or promotions.

One Vision Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%--Individual Retirement A/C
0.25%--Roth Individual Retirement A/C
0.25%--CESA Individual Retirement A/C
0.05%--Prime Share Savings
0.05%--Special Shares
0.05%--Club Account

One Vision Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.30%$50k-Money Market Account

One Vision Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
1.00%-$10kShooting Star Checking - Qualifying
0.10%--Silver Star Checking

One Vision Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.10%$500-60 Month Share Certificate
0.90%$500-48 Month Share Certificate
0.70%$500-36 Month Share Certificate
0.50%$100-24 Month Vision Starter Share Certificate
0.45%$100-12 Month Vision Starter Share Certificate
0.40%$500-24 Month Share Certificate
0.40%$500-30 Month Share Certificate
0.35%$500-12 Month Share Certificate
0.35%$500-18 Month Share Certificate
0.25%$500-6 Month Share Certificate

One Vision Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.10%$500-60 Month IRA Share Certificate
0.90%$500-48 Month IRA Share Certificate
0.70%$500-36 Month IRA Share Certificate
0.40%$500-24 Month IRA Share Certificate
0.40%$500-30 Month IRA Share Certificate
0.35%$500-12 Month IRA Share Certificate
0.35%$500-18 Month IRA Share Certificate
0.25%$500-6 Month IRA Share Certificate
Locations


One Vision Credit Union Locations
Main Office206 W Lewis and Clark PkwyClarksville, IN 47129-1646
Branch Office2441 State St Ste ANew Albany, IN 47150-4984
Branch Office3828 Hamburg PikeJeffersonville, Indiana 47130