BlastPoint's Credit Union Scorecard
VIBE
Charter #61522 · MI
VIBE has 1 strength but faces 7 concerns
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How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 35.5% in tier
- - Credit Risk Growth: Bottom 61.1% in tier
- - Stagnation Risk: Bottom 81.1% in tier
- - Membership Headwinds: Bottom 81.1% in tier
- - ROA 0.13% below tier average
- - Efficiency ratio 2.71% above tier (higher cost structure)
- - Delinquency rate 0.15% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
74,399
-1.3% YoY-0.2% QoQ
|
-21.6K |
96,048
-2.7% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
35% |
| Assets |
$1.6B
+2.8% YoY+15.4% QoQ
|
$-146.2M |
$1.7B
+0.4% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
53% |
| Loans |
$924.3M
+3.7% YoY-0.5% QoQ
|
$-289.4M |
$1.2B
+0.2% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
30% |
| Deposits |
$1.2B
+2.4% YoY+2.7% QoQ
|
$-229.2M |
$1.5B
+0.5% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
44% |
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| ROA |
0.6%
+91.8% YoY+53.9% QoQ
|
-0.1% |
0.7%
+27.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
42% |
| NIM |
3.2%
+5.7% YoY-2.4% QoQ
|
-0.1% |
3.4%
+6.2% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
41% |
| Efficiency Ratio |
77.3%
-5.6% YoY-7.5% QoQ
|
+2.7% |
74.6%
-3.0% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
61% |
| Delinquency Rate |
0.9%
+10.7% YoY-8.1% QoQ
|
+0.1 |
0.8%
+6.9% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
74% |
| Loan To Share |
74.8%
+1.3% YoY-3.1% QoQ
|
-8.4% |
83.2%
-0.4% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
22% |
| AMR |
$29,042
+4.3% YoY+1.5% QoQ
|
$-610 |
$29,652
+2.3% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
54% |
| CD Concentration |
24.4%
-0.5% YoY-0.8% QoQ
|
-4.4% | 28.8% | 18.6% | 19.8% | 30% |
| Indirect Auto % |
7.8%
-19.8% YoY-4.2% QoQ
|
-10.3% | 18.1% | 11.7% | 7.7% | 32% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)