BlastPoint's Credit Union Scorecard
VIBRANT
Charter #61093 · IL
VIBRANT has 3 strengths but faces 8 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
- + Strong member growth: 48.6% YoY
- + Member Growth Rate: Top 0.3% in tier
- + Members Per Employee (MPE): Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 15.2% in tier
- - Efficiency Drag: Bottom 18.1% in tier
- - Indirect Auto Dependency: Bottom 61.6% in tier
- - Shrinking Wallet Share: Bottom 99.7% in tier
- - ROA 0.58% below tier average
- - Efficiency ratio 7.40% above tier (higher cost structure)
- - Delinquency rate 0.72% above tier average
- - AMR Growth Rate: Bottom 1.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 8 that size in Illinois.
- Shares and deposits +5.9% year over year ($959M in shares and deposits).
- Membership: 69,887 members, +48.6% vs a year ago.
- Delinquency rate 1.59%.
- Return on assets 0.23%.
- Efficiency ratio 80.42% vs a 73.02% peer average.
- Loan-to-share ratio 100.10% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
69,887
+48.6% YoY+5.4% QoQ
|
-27.0K |
96,861
-1.9% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
27% |
| Assets |
$1.2B
+3.9% YoY+1.8% QoQ
|
$-531.2M |
$1.7B
+0.4% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
21% |
| Loans |
$959.5M
+9.7% YoY+4.6% QoQ
|
$-274.7M |
$1.2B
+0.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
32% |
| Deposits |
$958.6M
+5.9% YoY-0.2% QoQ
|
$-504.7M |
$1.5B
+0.5% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
Bottom 12.7% in tier |
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| ROA |
0.2%
-70.7% YoY
|
-0.6% |
0.8%
+27.6% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
Bottom 7.0% in tier |
| NIM |
2.7%
-2.3% YoY+3.6% QoQ
|
-0.8% |
3.4%
+6.6% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
Bottom 9.7% in tier |
| Efficiency Ratio |
80.4%
+12.9% YoY-3.6% QoQ
|
+7.4% |
73.0%
-2.7% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate |
1.6%
-27.3% YoY+3.3% QoQ
|
+0.7 |
0.9%
+7.3% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.7% in tier |
| Loan To Share |
100.1%
+3.6% YoY+4.7% QoQ
|
+15.4% |
84.7%
+0.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
Top 13.3% in tier |
| AMR |
$27,446
-27.5% YoY-3.1% QoQ
|
$-2K |
$29,575
+1.5% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
45% |
| CD Concentration |
36.8%
-16.3% YoY-5.7% QoQ
|
+7.7% | 29.1% | 14.0% | 20.0% | 82% |
| Indirect Auto % |
16.4%
+1172.0% YoY+6.4% QoQ
|
-1.7% | 18.1% | 6.8% | 7.7% | 52% |
Signature Analysis
Strengths (0)
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)