BlastPoint's Credit Union Scorecard
VIBRANT
Charter #61093 · IL
VIBRANT has 7 strengths but faces 9 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
- + Organic Growth Leader: Top 4.1% in tier
- + Organic Growth Engine: Top 4.7% in tier
- + Emerging Performer: Top 40.9% in tier
- + Strong member growth: 9.0% YoY
- + Fee Income Per Member: Top 0.3% in tier
- + Member Growth Rate: Top 5.9% in tier
- + Loan-to-Member Ratio (LMR): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 9.2% in tier
- - ROA 0.06% below tier average
- - Delinquency rate 0.79% above tier average
- - Net Charge-Off Rate: Bottom 0.3% in tier
- - Net Worth Ratio: Bottom 3.6% in tier
- - Share Certificate Concentration (%): Bottom 5.6% in tier
- - Total Members: Bottom 6.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.2% in tier
- - Total Deposits: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
49,815
+9.0% YoY+5.9% QoQ
|
-48.9K |
98,678
-1.9% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 6.2% in tier |
| Assets |
$1.2B
+7.3% YoY+0.3% QoQ
|
$-567.6M |
$1.7B
+0.5% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
18% |
| Loans |
$892.8M
+11.3% YoY+2.0% QoQ
|
$-340.2M |
$1.2B
+0.5% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
25% |
| Deposits |
$907.0M
+7.3% YoY+0.2% QoQ
|
$-547.3M |
$1.5B
+1.3% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.9% in tier |
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| ROA |
0.6%
-6025.0% YoY-19.0% QoQ
|
-0.1% |
0.7%
+13.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
48% |
| NIM |
2.9%
+34.1% YoY+7.2% QoQ
|
-0.3% |
3.3%
+9.3% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
24% |
| Efficiency Ratio |
62.3%
-34.7% YoY-12.6% QoQ
|
-11.7% |
74.0%
-10.9% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 11.5% in tier |
| Delinquency Rate |
1.6%
-44.8% YoY-25.7% QoQ
|
+0.8 |
0.8%
+6.1% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Top 8.2% in tier |
| Loan To Share |
98.4%
+3.7% YoY+1.8% QoQ
|
+13.2% |
85.2%
-0.8% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
83% |
| AMR |
$36,130
+0.3% YoY-4.5% QoQ
|
+$7K |
$29,172
+2.8% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 14.1% in tier |
| CD Concentration |
43.6%
+19.1% YoY-0.9% QoQ
|
+14.7% |
29.0%
+0.7% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
Top 6.8% in tier |
| Indirect Auto % |
1.2%
-41.4% YoY-3.7% QoQ
|
-17.5% |
18.8%
-3.0% YoY
|
7.2%
+3.4% YoY
|
7.9%
-2.9% YoY
|
18% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
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)