Proof of Usefulness Report

Visions Federal Credit Union

Analysis completed on 2/17/2026

+682
Proof of Usefulness Score
Category Standard

Visions Federal Credit Union is a well-established financial institution (founded 1966) with significant verified scale (~$5.7B assets, 250k+ members, 750+ employees). While the project submission itself was of low quality (incorrect terminology, vague claims like 'most people', and lack of specific detail), the underlying entity demonstrates exceptional real-world utility and traction. The '17000000' figure likely refers to Net Income (~$17M) rather than 'Market Cap', suggesting an internal but non-technical submitter. The score reflects the massive verified impact and stability of the organization, adjusted down slightly for the poor quality of the submission evidence.

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Score Breakdown

Real World Utility+237.5
Audience Reach Impact+160.0
Technical Innovation+60.0
Evidence Of Traction+237.5
Market Timing Relevance+60.0
Functional Completeness+2.5
Subtotal+757.5
Usefulness Multiplierx0.90
Final Score+682

Project Details

Project URL
Description
Member-owned and committed to the communities we serve for more than 50 years, Visions Federal Credit Union strives to build relationships that accommodate every stage of life. At Visions, it's not just the money that's there when you need it. We are. We provide a safe place to keep and grow earnings while lending the money that buys a vehicle, gets the kids off to college, or makes home-ownership a reality. At Visions FCU, we pride ourselves on being "People Helping People". We dedicate our careers to this philosophy to realize our greater social purpose. As a not-for-profit organization, Visions exists to serve its members by making every member matter. We feel lucky that we get to have a positive impact in three states (NY, NJ, and PA), and countless communities. Whether it's our time or money that we're donating, we are committed to doing what it takes to show all the members of our communities that Visions cares. The commitment to community is truly one of our core organizational values, and it's demonstrated at all levels of the organization. - Federally insured by NCUA. - Equal housing opportunity lender.

Algorithm Insights

Market Position
Strong market validation with clear user adoption patterns
User Engagement
Documented reach suggests active user community
Technical Stack
Modern tech stack aligned with sponsor technologies

Recommendations to Increase Usefulness Score

Document User Growth

Provide specific metrics on user acquisition and retention rates

Showcase Revenue Model

Detail sustainable monetization strategy and current revenue streams

Expand Evidence Base

Include testimonials, case studies, and third-party validation

Technical Roadmap

Share development milestones and feature completion timeline