State credit union · Moline, Illinois · NCUA charter #61093
VIBRANT
Health score 53/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 53
- Health / 100
- $1.17B
- Total assets
- 52,065
- Members
- 8.1%
- Net-worth ratio
VIBRANT scores 53/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.17B; members 52,065; net-worth ratio 8.07%; health rank #4,229 of 4,374; healthier than 3rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,229 of 4,374 health · 2025Q4VIBRANT · health 53/100 · $1.17B · 2025Q4
Call Report peers
VIBRANT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
VIBRANT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); VIBRANT sits in 50-54 with 82 others.
53 3rd percentile higher than 3% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for VIBRANT
- Loan-to-Share Ratio leads the peer set - 95.45% here, 83.90% peer average (+11.55 pp).
- Net Worth Ratio trails the peer set - 8.07% here, 11.18% peer average (-3.11 pp).
VIBRANT: in-state Call Report ranks
- Health composite ranks #186 of 192 among scored Illinois credit unions.
- By total assets, VIBRANT is #11 of 192 in Illinois.
- Member book place in Illinois: #15 of 192.
- One place up in Illinois, Mt. Zion (#185) ties at 53/100; one place down, South Side Community (#187) scores 52/100, 1 point lower.
VIBRANT: 2025Q4 → 2026Q1
VIBRANT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.1% from $1.17B (2025Q4) to $1.17B (2026Q1).
- Net-worth ratio shifted +0.00 pp (8.07% → 8.07%).
At 8.07%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 53/100 score is built
VIBRANT gives up 47 points in total. Member Growth costs the most, 15 of its 15; Loan-to-Share Ratio loses the least, 2.5.
- Net Worth Ratio 25.2 pts
- Delinquency Rate 14.8 pts
- Return on Assets 0.2 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 12.8 pts
Call Report ratios for VIBRANT
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.07% | -3.11 pp |
| Delinquency Rate | 1.70% | +0.82 pp |
| Return on Assets | -0.48% | -0.99 pp |
| Member Growth | -14.26% | - |
| Loan-to-Share Ratio | 95.45% | +11.55 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.17B | - |
| 2025Q4 | $1.17B | 52,065 |
| 2024Q4 | $1.10B | 60,725 |
| 2023Q4 | $1.05B | 44,214 |
Credit Union Details
- Charter Number
- 61093
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Illinois
- City
- Moline
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, VIBRANT runs 4 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| Headquarters (Main Office) | Moline, IL |
| Bettendorf | Bettendorf, IA |
| Southpark | Moline, IL |
| Headquarters - Branch | Moline, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Cross-state Call Report peers for VIBRANT
Similar total assets
Using this data
- VIBRANT ranks #4,229 of 4,374 nationally on financial health and #186 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SELFRELIANCE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SELFRELIANCE
Frequently Asked Questions
Is VIBRANT financially healthy?
VIBRANT has a financial health score of 53/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,229 of 4,374 nationally on health and #186 of 192 in Illinois. Its net worth ratio is 8.07% and its delinquency rate 1.70%.
How does VIBRANT compare to other credit unions?
VIBRANT scores 53/100, higher than 3% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (95.45% vs 83.90%). Its widest shortfall is net worth ratio (8.07% vs 11.18%).
How can I join VIBRANT?
Membership eligibility for VIBRANT depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact VIBRANT directly for current membership requirements and application steps.
Is my money safe at VIBRANT?
VIBRANT 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. VIBRANT's net worth ratio of 8.07% 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.