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: 18.6% YoY
- + Member Growth Rate: Top 2.0% in tier
- + Members Per Employee (MPE): Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 14.9% in tier
- - Liquidity Strain: Bottom 20.6% in tier
- - Indirect Auto Dependency: Bottom 59.5% in tier
- - Shrinking Wallet Share: Bottom 97.9% in tier
- - ROA 0.69% below tier average
- - Efficiency ratio 8.76% above tier (higher cost structure)
- - Delinquency rate 0.78% above tier average
- - AMR Growth Rate: Bottom 2.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
66,307
+18.6% YoY+27.4% QoQ
|
-29.7K |
96,048
-2.7% YoY
|
22,133
+6.8% YoY
|
33,913
+5.7% YoY
|
22% |
| Assets |
$1.2B
+4.2% YoY+0.1% QoQ
|
$-548.2M |
$1.7B
+0.4% YoY
|
$406.0M
+9.7% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$917.6M
+6.2% YoY+1.4% QoQ
|
$-296.1M |
$1.2B
+0.2% YoY
|
$279.6M
+10.0% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$960.2M
+9.0% YoY+1.2% QoQ
|
$-505.4M |
$1.5B
+0.5% YoY
|
$344.9M
+10.3% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.1% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.0%
-98.6% YoY-96.2% QoQ
|
-0.7% |
0.7%
+27.6% YoY
|
0.5%
-57.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.2% in tier |
| NIM |
2.6%
-17.0% YoY-10.3% QoQ
|
-0.8% |
3.4%
+6.2% YoY
|
3.7%
-0.2% YoY
|
3.8%
+4.1% YoY
|
Bottom 8.8% in tier |
| Efficiency Ratio |
83.4%
+44.0% YoY+27.3% QoQ
|
+8.8% |
74.6%
-3.0% YoY
|
87.0%
+8.4% YoY
|
84.6%
+2.8% YoY
|
84% |
| Delinquency Rate |
1.5%
-24.9% YoY-9.6% QoQ
|
+0.8 |
0.8%
+6.9% YoY
|
1.2%
+7.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.5% in tier |
| Loan To Share |
95.6%
-2.6% YoY+0.1% QoQ
|
+12.4% |
83.2%
-0.4% YoY
|
60.2%
-0.9% YoY
|
65.6%
-1.4% YoY
|
82% |
| AMR |
$28,319
-9.3% YoY-20.5% QoQ
|
$-1K |
$29,652
+2.3% YoY
|
$15,723
+4.6% YoY
|
$19,920
+1.6% YoY
|
51% |
| CD Concentration |
39.1%
-5.6% YoY-2.7% QoQ
|
+10.2% | 28.8% | 14.0% | 19.8% | Top 11.7% in tier |
| Indirect Auto % |
15.4%
+931.6% YoY+189.8% QoQ
|
-2.7% | 18.1% | 7.2% | 7.7% | 49% |
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)