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
Call Report peers
VIBE in the assets neighbourhood
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
VIBE sits in the busiest band, 85-89, alongside 857 other credit unions.
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
Peer-gap read for VIBE
- Largest lag: Loan-to-Share Ratio at 77.16% vs peer 83.90% (-6.74 pp).
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).
- One place up in Michigan, Lake Trust (#99) ties at 85/100; one place down, Members First (#101) ties at 85/100.
VIBE: 2025Q4 → 2026Q1
VIBE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +15.4% from $1.36B (2025Q4) to $1.57B (2026Q1).
- Net-worth ratio shifted -1.43 pp (11.78% → 10.35%).
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
VIBE gives up 15 points in total. Member Growth costs the most, 8.3 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is VIBE financially healthy?
On its 2025Q4 NCUA 5300 filing, VIBE scores 85/100 (Excellent), with a 10.35% net worth ratio and 0.98% of loans delinquent. It ranks #2,002 of 4,374 nationally on health and #100 of 171 in Michigan.
How does VIBE compare to other credit unions?
VIBE scores 85/100, higher than 54% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (77.16% vs 83.90%).
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?
VIBE is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.