Sep, 30, 2025 — VISIONS FEDERAL CREDIT UNION is a federal credit union headquartered in ENDWELL, NY with 61 branch locations and about $5.20 billion in total assets. Opened 60 years ago in 1966, VISIONS FEDERAL CREDIT UNION has about 252,760 members and employs 868 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | VISIONS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 3301 Country Club Rd ENDWELL, NY 13760-3401 |
| Phone: | (607) 786-2000 |
| Fax: | (607) 786-5718 |
| Website: | https://www.visionsfcu.org |
| Branches: | 61 branch locations |
| Members: | 252,760 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 17429 |
|---|---|
| Membership Type: | Community - Rural District |
| Corporate Credit Union: | No |
| Year Opened: | 1966 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $5,199,428,622 |
| CEO/Manager: | Tyrone E Muse |
| Chairperson: | Christopher Marion |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 528,661,211 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 115,000 |
| Real Estate Loans | 2,482,057,111 |
| Unsecured Loans | 333,742,314 |
| Other Loans | 600,436,749 |
| TOTAL LOANS | 3,416,567,550 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -31,430,034 |
| Land And Building | 50,604,412 |
| Other Fixed Assets | 28,496,270 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 40,803,636 |
| All Other Assets | 73,226 |
| TOTAL ASSETS | 5,199,428,622 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 175,000,000 |
| Accounts Payable & Other Liabilities | 85,286,737 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 724,162,859 |
| Regular shares | 1,258,282,875 |
| All Other Shares & Deposits | 2,482,891,078 |
| TOTAL SHARES & DEPOSITS | 4,465,336,812 |
| TOTAL LIABILITIES | 4,725,669,271 |
| Regular Reserve | 0 |
| Other Reserves | 411,921,602 |
| Undivided Earnings | 61,837,749 |
| TOTAL EQUITY | 473,759,351 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 5,199,428,622 |
| INCOME & EXPENSE | |
| Loan Income | 138,201,232 |
| Investment Income | 37,121,012 |
| Other Income | 8,099,301 |
| Total Employee Compensation & Benefits | 72,967,926 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 50,825,622 |
| Non-operating Income & (Expense) | 4,077,323 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 12,625,847 |
| Cost of Funds | 62,057,644 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 15,613,658 |
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