State credit union · Novi, Michigan · NCUA charter #61522
Vibe
Health score 73/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $1.36B
- Total assets
- 74,515
- Members
- 6.4%
- Net-worth ratio
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.
Vibe - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)61
- Asset quality (delinquency)81
- Earnings (ROA)88
- Member growth45
- Liquidity (loan-to-share)100
Weighted composite: 73/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
6.44% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.44% | 30% |
| Delinquency Rate | 0.98% | 25% |
| Return on Assets | 0.38% | 15% |
| Member Growth | -1.28% | 15% |
| Loan-to-Share Ratio | 77.16% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Vibe
74,515 members and $1.36B in total assets sit behind Vibe, a state credit union in Novi, Michigan, which posts a health score of 73/100 (Very Good) on the five-factor composite, with $928.6M in outstanding loans as of Q4 2025 and a net worth ratio of 6.44% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #61522 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.98% measures loans 60+ days past due against total loans outstanding - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. The loan-to-share ratio of 77.16% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.38% on net income of $5.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.28%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Vibe financially healthy?
Vibe scores 73/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 6.44% 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 73/100, 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 6.44% is relative to 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.
Read our methodology - how this data is sourced, computed, and verified.
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.