BlastPoint's Credit Union Scorecard
VIBRANT
Charter #61093 · IL
VIBRANT has 4 strengths but faces 12 concerns
How does the industry compare?
What's your peer group doing?
How does IL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 0.8% in tier
- + Relationship Depth Leader: Top 1.6% in tier
- + AMR Growth Rate: Top 0.3% in tier
- + Fee Income Per Member: Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 2.4% in tier
- - Stagnation Risk: Bottom 16.7% in tier
- - Liquidity Strain: Bottom 47.3% in tier
- - ROA 0.05% below tier average
- - Delinquency rate 0.80% above tier average
- - Member decline: -14.3% YoY
- - Net Charge-Off Rate: Bottom 1.7% in tier
- - Member Growth Rate: Bottom 2.3% in tier
- - Net Worth Ratio: Bottom 3.6% in tier
- - Total Members: Bottom 8.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.6% in tier
- - Share Certificate Concentration (%): Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
52,065
-14.3% YoY+4.5% QoQ
|
-45.4K |
97,431
-2.4% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 7.9% in tier |
| Assets |
$1.2B
+6.3% YoY+1.6% QoQ
|
$-552.6M |
$1.7B
+0.9% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$905.4M
+8.2% YoY+1.4% QoQ
|
$-329.0M |
$1.2B
+0.5% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$948.5M
+7.4% YoY+4.6% QoQ
|
$-510.8M |
$1.5B
+0.9% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.6% in tier |
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| ROA |
0.6%
-222.2% YoY-2.1% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
2.9%
+14.8% YoY-1.9% QoQ
|
-0.4% |
3.3%
+9.2% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
65.5%
-29.9% YoY+5.2% QoQ
|
-8.5% |
74.1%
-9.5% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
1.7%
-44.8% YoY+4.8% QoQ
|
+0.8 |
0.9%
+6.2% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 8.6% in tier |
| Loan To Share |
95.5%
+0.7% YoY-3.0% QoQ
|
+10.7% |
84.8%
-0.8% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
77% |
| AMR |
$35,608
+25.7% YoY-1.4% QoQ
|
+$6K |
$29,428
+2.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Top 14.6% in tier |
| CD Concentration |
40.1%
+2.3% YoY-8.0% QoQ
|
+11.1% | 29.0% | 14.1% | 19.8% | Top 11.4% in tier |
| Indirect Auto % |
5.3%
+231.3% YoY+328.3% QoQ
|
-13.0% | 18.3% | 7.1% | 7.8% | 25% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)