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VISIONS FEDERAL CREDIT UNION

Mar, 31, 2021 — VISIONS FEDERAL CREDIT UNION is a federal credit union headquartered in ENDICOTT, NY with 53 branch locations and about $5.29 billion in total assets. Opened 55 years ago in 1966, VISIONS FEDERAL CREDIT UNION has about 219,568 members and employs 720 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 221375378
Name:VISIONS FEDERAL CREDIT UNION
Address:
(Main Office)
24 MCKINLEY AVE
ENDICOTT, NY 13760
Phone:(607) 786-2000
Fax:(607) 786-5718
Website:http://www.visionsfcu.org
Branches:53 branch locations
Members:219,568
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, 2020
FHLB Member:Yes
Low Income Designation:No
Assets:$5,289,224,868
CEO/Manager:Tyrone E Muse
Chairperson:Alan Hertel

Call Report

  • Commercial Loans
  • Credit Builder
  • Direct Financing Leases
  • Indirect Commercial Loans
  • Indirect Consumer Loans
  • Indirect Mortgage Loans
  • Interest Only or Payment Option 1st Mortgage Loans
  • Micro Business Loans
  • Micro Consumer Loans
  • Overdraft Lines of Credit
  • Overdraft Protection
  • Participation Loans
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • First Time Homebuyer Program
  • Health Savings Accounts
  • Individual Development Accounts
  • In-School Branches
  • Insurance/Investment Sales
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 200,880,454
TOTAL INVESTMENTS 1,873,660,856
Loans Held for Sale 0
 
 Real Estate Loans 1,896,665,640
 Unsecured Loans 300,137,939
 Other Loans 785,302,066
 TOTAL LOANS 2,982,509,831
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -56,345,934
 Land And Building 50,955,407
 Other Fixed Assets 16,269,859
 NCUSIF Deposit 34,424,897
 All Other Assets 186,869,498
  TOTAL ASSETS 5,289,224,868
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 425,611,312
 Accounts Payable & Other Liabilities 48,786,897
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 732,976,532
 Regular shares 1,290,911,291
 All Other Shares & Deposits 2,271,274,429
  TOTAL SHARES & DEPOSITS 4,295,162,252
  TOTAL LIABILITIES 4,769,560,461
 Regular Reserve 61,837,749
 Other Reserves 457,826,658
 Undivided Earnings 0
  TOTAL EQUITY 519,664,407
  TOTAL LIABILITIES, SHARES, & EQUITY 5,289,224,868
INCOME & EXPENSE  
 Loan Income 28,815,493
 Investment Income 6,540,903
 Other Income 1,756,038
 Total Employee Compensation & Benefits 15,805,243
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 12,252,225
 Non-operating Income & (Expense) 1,102,584
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 2,075,000
 Cost of Funds 7,158,982
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 8,348,312
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