VISION FINANCIAL Credit Union Profile

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VISION FINANCIAL

Charter #13492 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (919) 477-0696

Fax: (919) 471-8211

Founding Date: N/A

Website: HTTP://WWW.VFFCU.ORG

Personnel & Operations

President: Ray, Larry

Manager: Swaningson, Dawn

FT Employees: 17

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 53

Branches: 3

Hours: Monday - Thursday 8:00am - 5:00pm Friday 8:

Credit Union Profile Summary

VISION FINANCIAL is a FCU Credit Union. With a total of 6,395 members [1], this institution manages approximately $58,373,427 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 16% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -2.06% [1].

Financial Snapshot

Total Assets [1]
$58,373,427

Total economic resources.

Total Loans [1]
$19,549,533

Total value of outstanding loans.

Total Deposits [1]
$48,651,335

Total funds deposited by members.

Members [1]
6,395

Number of active members.

Performance Ratios

Net Worth Ratio [1]
16%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.24%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
40.18%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 2.07%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -2.06%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -3.02%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

214 Pacific Ave

Durham, NC, 27704
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by VISION FINANCIAL (Charter #13492).

Main Office

Main office Main Office

Type: Corporate Office

214 Pacific Ave

Durham, NC 27704

Phone: (919) 477-0696

Services: Member Services, Drive-Thru

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Additional Branches

Fayetteville

Natal Street Office

Type: Branch Office

3190 Natal St

Fayetteville, NC 28306-2865

Phone: (910) 425-1725

Services: Member Services, ATM, Drive-Thru

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Roxboro

Roxboro Office

Type: Branch Office

4473 Durham Rd

Roxboro, NC 27574-6372

Phone: (336) 597-4727

Services: Member Services, Drive-Thru

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