VIBRANT

Charter #61093 | IL

1B-3B (304 CUs) Mid-Market (380 CUs)
9 1B-3B in IL

VIBRANT has 7 strengths but faces 9 concerns

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 6.2% 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
 Bottom 18.1% in tier
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
 Bottom 25.0% in tier
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
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
 48th in tier
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
 Bottom 24.3% in tier
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
 Top 17.4% in tier
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
 +14.6% 29.0%
+0.8% YoY
 13.7%
+4.0% YoY
 19.6%
+6.2% YoY
 Top 6.9% in tier
Indirect Auto % 1.2%
-41.4% YoY-3.7% QoQ
 -17.6% 18.8%
-2.8% YoY
 7.2%
+3.4% YoY
 7.9%
-2.9% YoY
 Bottom 18.2% in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#17 of 138 • Top 4.1% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 8.98%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Organic Growth Engine

growth
#35 of 246 • Top 4.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 8.98%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.65%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 1.24%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | New qualifier

Emerging Performer

growth
#34 of 184 • Top 6.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.65%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 8.98%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | New qualifier

Concerns (1)

Liquidity Strain

risk
#49 of 183 • Bottom 9.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 98.44%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 11.32%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

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)

Comparing against 304 peers in tier

Top Strengths (8 metrics)

2
Fee Income Per Member
profitability
Value: $493.90
Peer Avg: $210.52
#2 of 304 Top 0.3% in 1B-3B tier
19
Member Growth Rate
growth
Value: 8.98%
Peer Avg: 2.20%
#19 of 304 Top 5.9% in 1B-3B tier
29
Loan-to-Member Ratio (LMR)
engagement
Value: $17,923
Peer Avg: $13,213
#29 of 304 Top 9.2% in 1B-3B tier
36
Efficiency Ratio
profitability
Value: 62.30%
Peer Avg: 73.97%
#36 of 304 Top 11.5% in 1B-3B tier
43
Average Member Relationship (AMR)
engagement
Value: $36,130
Peer Avg: $29,172
#43 of 304 Top 13.8% in 1B-3B tier
46
Loan Growth Rate
growth
Value: 11.32%
Peer Avg: 5.27%
#46 of 304 Top 14.8% in 1B-3B tier
53
Loan-to-Share Ratio
balance_sheet
Value: 98.44%
Peer Avg: 85.19%
#53 of 304 Top 17.1% in 1B-3B tier
61
Indirect Auto Concentration (%)
balance_sheet
Value: 1.24%
Peer Avg: 18.32%
#61 of 304 Top 19.7% in 1B-3B tier

Top Weaknesses (8 metrics)

304
Net Charge-Off Rate
risk
Value: 2.43%
Peer Avg: 0.60%
#304 of 304 Bottom 0.3% in 1B-3B tier
294
Net Worth Ratio
risk
Value: 8.05%
Peer Avg: 11.44%
#294 of 304 Bottom 3.6% in 1B-3B tier
288
Share Certificate Concentration (%)
balance_sheet
Value: 43.63%
Peer Avg: 28.53%
#288 of 304 Bottom 5.6% in 1B-3B tier
285
Total Members
engagement
Value: 49,815
Peer Avg: 98,678
#285 of 304 Bottom 6.6% in 1B-3B tier
280
Total Delinquency Rate (60+ days)
risk
Value: 1.62%
Peer Avg: 0.83%
#280 of 304 Bottom 8.2% in 1B-3B tier
280
Total Deposits
balance_sheet
Value: $906.98M
Peer Avg: $1.45B
#280 of 304 Bottom 8.2% in 1B-3B tier
249
Total Assets
balance_sheet
Value: $1.15B
Peer Avg: $1.72B
#249 of 304 Bottom 18.4% in 1B-3B tier
230
Net Interest Margin (NIM)
profitability
Value: 2.91%
Peer Avg: 3.26%
#230 of 304 Bottom 24.7% in 1B-3B tier