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
- DELQ 53/100
- ROA 8.1%
- ASSETS 1.70%
- MEM -0.48%
- RANK $1.17B
- PHOTO 52,065
- BOOK #4,229/4,374
- CHARTER WILDFIRE
- NCUSIF 61093
Call Report peers
VIBRANT in the assets neighbourhood
VIBRANT's $1.17B assets sit next to WILDFIRE ($1.17B) 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.
VIBRANT 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
53 3rd percentile higher than 3% 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
VIBRANT - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61093 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
VIBRANT: 2025Q4 → 2026Q1
VIBRANT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.1% from $1.17B (2025Q4) to $1.17B (2026Q1).
- Net-worth ratio shifted +0.00 pp (8.07% → 8.07%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 53.
- 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 |
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 | $1.17B | - |
| 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
Two NCUA Call Report peer sets for VIBRANT, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.17B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (53/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 VIBRANT financially healthy?
Yes/no aside, the number is 53/100 (Fair) - VIBRANT's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,229 of 4,374; by total assets it ranks #413 of 4,374 nationally (same basis as /rankings/largest); and #11 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.07% net worth ratio and 1.70% delinquency rate are the key drivers.
How does VIBRANT compare to other credit unions?
PlainCU's health composite puts VIBRANT at 53/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like VIBRANT 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. VIBRANT's net worth ratio of 8.07% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does VIBRANT offer compared to banks?
Credit unions like VIBRANT 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 VIBRANT 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.