Vision Financial Federal Credit Union


Overview / Commentary
919-477-0696
214 Pacific Ave
Durham, NC 27704

Vision Financial Federal Credit Union is headquartered in Durham and is the 34th largest credit union in the state of North Carolina. It is also the 2,326th largest credit union in the nation. It was established in 1960 and as of March of 2025, it had grown to 18 employees and 6,400 members at 3 locations. Vision Financial Federal Credit Union has a B+ 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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Health
B+
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

Overall
NCUA #13492
Year Chartered1960
Employees18
Primary Regulator
Profit Margin
Return on Assets - YTD1.14%
Return on Equity - YTD7.11%
Annual Interest Income$652K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$57.2MM$57.8MM
LoansQ1 2025vs Q1 2024$20.6MM$20.4MM
DepositsQ1 2025vs Q1 2024$47.7MM$48.6MM
Equity CapitalQ1 2025vs Q1 2024$9.1MM$8.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$162K$107K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$29K$26K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

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Locations


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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