BlastPoint's Credit Union Scorecard
VIBE
Charter #61522 · MI
VIBE faces 6 concerns requiring attention
How does the industry compare?
What's your peer group doing?
How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 11.7% in tier
- - Membership Headwinds: Bottom 80.9% in tier
- - Stagnation Risk: Bottom 80.9% in tier
- - ROA 0.31% below tier average
- - Efficiency ratio 9.56% above tier (higher cost structure)
- - Delinquency rate 0.08% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
74,515
-1.3% YoY-0.4% QoQ
|
-22.9K |
97,431
-2.4% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
33% |
| Assets |
$1.4B
+3.6% YoY-10.4% QoQ
|
$-360.0M |
$1.7B
+0.9% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
34% |
| Loans |
$928.6M
+5.0% YoY+0.8% QoQ
|
$-305.8M |
$1.2B
+0.5% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$1.2B
+2.2% YoY+1.2% QoQ
|
$-255.9M |
$1.5B
+0.9% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
41% |
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| ROA |
0.4%
+1.6% YoY+3.2% QoQ
|
-0.3% |
0.7%
+20.9% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
3.3%
+11.9% YoY+8.0% QoQ
|
+0.0% |
3.3%
+9.2% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
53% |
| Efficiency Ratio |
83.6%
+2.0% YoY+0.2% QoQ
|
+9.6% |
74.1%
-9.5% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.9% in tier |
| Delinquency Rate |
1.0%
-17.2% YoY-1.1% QoQ
|
+0.1 |
0.9%
+6.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
77.2%
+2.8% YoY-0.3% QoQ
|
-7.6% |
84.8%
-0.8% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$28,611
+4.7% YoY+1.4% QoQ
|
$-817 |
$29,428
+2.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
55% |
| CD Concentration |
24.6%
+0.8% YoY-1.5% QoQ
|
-4.4% | 29.0% | 18.6% | 19.8% | 31% |
| Indirect Auto % |
8.2%
-15.9% YoY-5.7% QoQ
|
-10.1% | 18.3% | 11.8% | 7.8% | 32% |
Signature Analysis
Strengths (0)
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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.
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)