State credit union · Novi, Michigan · NCUA charter #61522
VIBE
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $1.36B
- Total assets
- 74,515
- Members
- 10.3%
- Net-worth ratio
VIBE scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.36B; members 74,515; net-worth ratio 10.35%; health rank #2,002 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,002 of 4,374 health · 2025Q4VIBE · health 85/100 · $1.36B · 2025Q4
- MEM 85/100
- RANK 10.3%
- PHOTO 0.98%
- BOOK 0.38%
- CHARTER $1.36B
- NCUSIF 74,515
- CAMELS #2,002/4,374
- HEALTH First Financial of Maryland
- NW 61522
Call Report peers
VIBE in the assets neighbourhood
VIBE's $1.36B assets sit next to First Financial of Maryland ($1.36B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
VIBE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
VIBE - Share Insurance Coverage
Charter #61522's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for VIBE
- Largest lag: Loan-to-Share Ratio at 77.16% vs peer 83.90% (-6.74 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where VIBE sits in Michigan
- Health composite ranks #100 of 171 among scored Michigan credit unions.
- Michigan assets place: #21 of 171.
- Membership ranks #23 of 171 among Michigan CUs with a reported count (74,515 members).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
VIBE: 2025Q4 → 2026Q1
VIBE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +15.4% from $1.36B (2025Q4) to $1.57B (2026Q1).
- Net-worth ratio shifted -1.43 pp (11.78% → 10.35%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.35% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.2 pts
- Return on Assets 13.1 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for VIBE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.35% | -0.83 pp |
| Delinquency Rate | 0.98% | +0.11 pp |
| Return on Assets | 0.38% | -0.13 pp |
| Member Growth | -1.28% | - |
| Loan-to-Share Ratio | 77.16% | -6.74 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.57B | - |
| 2025Q4 | $1.36B | 74,515 |
| 2024Q4 | $1.32B | 75,484 |
| 2023Q4 | $1.23B | 79,456 |
Credit Union Details
- Charter Number
- 61522
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Novi
- Data Quarter
- 2025Q4
Branch Locations (16)
The NCUA branch filing lists 16 physical offices for VIBE, spread across 13 cities.
| Office | City |
|---|---|
| Administrative Building (Main Office) | Novi, MI |
| Berkley Branch | Berkley, MI |
| Canton Branch | Canton, MI |
| Clarkston Branch | Clarkston, MI |
| Ferndale Branch | Ferndale, MI |
| Livonia Branch | Livonia, MI |
| Novi Branch | Novi, MI |
| Oxford Branch | Oxford, MI |
| Royal Oak Branch | Royal Oak, MI |
| South Lyon Branch | South Lyon, MI |
| Southfield | Southfield, MI |
| Sterling Heights Branch | Sterling Heights, MI |
| Metro Parkway Branch | Sterling Heights, MI |
| Waterford - County Campus Branch | Waterford, MI |
| Waterford - M59 Branch | Waterford, MI |
| West Bloomfield Branch | West Bloomfield, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
VIBE's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.36B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- VIBE ranks #2,002 of 4,374 nationally on financial health and #100 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- University of Michigan is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with University of Michigan
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is VIBE financially healthy?
VIBE scores 85/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,002 of 4,374; by total assets it ranks #365 of 4,374 nationally (same basis as /rankings/largest); and #21 of 171 within Michigan. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.35% net worth ratio and a 0.98% delinquency rate.
How does VIBE compare to other credit unions?
On PlainCU's health composite, VIBE lands at 85/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join VIBE?
Membership eligibility for VIBE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact VIBE directly for current membership requirements and application steps.
Is my money safe at VIBE?
Federal credit unions like VIBE are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. VIBE's net worth ratio of 10.35% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does VIBE offer compared to banks?
Credit unions like VIBE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact VIBE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.