Vision Financial Federal Credit Union

Overview / Commentary
214 Pacific Ave
Durham, NC 27704

Vision Financial Federal Credit Union is headquartered in Durham and is the 36th largest credit union in the state of North Carolina. It is also the 2,305th largest credit union in the nation. It was established in 1960 and as of September of 2022, it had grown to 17 employees and 6,995 members at 3 locations. Vision Financial Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership in Vision Financial Federal Credit Union is open to anyone through membership in the North Carolina Consumer Council ($18 membership fee). Membership is also open to the following: (1) those who live, work, or worship in select areas of Durham County and Cumberland County in North Carolina; (2) to employees of Durham VA Hospital, GTE/Verizon - NC, SC, GA, and over 50 area Select Employer Groups.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Vision Financial Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #13492
Year Chartered1960
Primary Regulator
Profit Margin
Return on Assets - YTD0.81%
Return on Equity - YTD7.13%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$62.2MM$59.2MM
LoansQ3 2022vs Q3 2021$19.3MM$18.0MM
DepositsQ3 2022vs Q3 2021$54.8MM$52.2MM
Equity CapitalQ3 2022vs Q3 2021$7.0MM$6.6MM
Loan Loss AllowanceQ3 2022vs Q3 2021$67.00K$151.00K
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$19.00K$56.00K
Real Estate OwnedQ3 2022vs Q3 2021$0$0

Rates for Vision Financial Federal Credit Union are currently being reviewed.


Vision Financial Federal Credit Union Locations
Branch Office4473 Durham RdRoxboro, NC 27574-6372
Branch Office214 Pacific AveDurham, NC 27704
Branch Office3190 Natal StFayetteville, NC 28306-2865

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