BlastPoint's Credit Union Scorecard
VIBE
Charter #61522 · MI
VIBE has 1 strength but faces 8 concerns
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
- + Fee Income Per Member: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 46.0% in tier
- - Credit Risk Growth: Bottom 59.1% in tier
- - Stagnation Risk: Bottom 78.5% in tier
- - Membership Headwinds: Bottom 78.5% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 6.56% above tier (higher cost structure)
- - Delinquency rate 0.22% above tier average
- - Members Per Employee (MPE): Bottom 9.7% 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 21 that size in Michigan.
- Shares and deposits +2.5% year over year ($1.24B in shares and deposits).
- Membership: 74,191 members, -0.8% vs a year ago.
- Delinquency rate 1.08%.
- Return on assets 0.57%.
- Efficiency ratio 79.58% vs a 73.02% peer average.
- Loan-to-share ratio 76.78% 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 (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
74,191
-0.8% YoY-0.3% QoQ
|
-22.7K |
96,861
-1.9% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
32% |
| Assets |
$1.6B
+2.9% YoY+0.3% QoQ
|
$-146.2M |
$1.7B
+0.4% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
53% |
| Loans |
$950.5M
+4.4% YoY+2.8% QoQ
|
$-283.8M |
$1.2B
+0.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
32% |
| Deposits |
$1.2B
+2.5% YoY+0.1% QoQ
|
$-225.5M |
$1.5B
+0.5% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
45% |
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| ROA |
0.6%
+108.0% YoY-2.3% QoQ
|
-0.2% |
0.8%
+27.6% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
3.3%
+10.8% YoY+2.2% QoQ
|
-0.1% |
3.4%
+6.6% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
40% |
| Efficiency Ratio |
79.6%
-5.2% YoY+2.9% QoQ
|
+6.6% |
73.0%
-2.7% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
78% |
| Delinquency Rate |
1.1%
+4.8% YoY+20.0% QoQ
|
+0.2 |
0.9%
+7.3% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
76% |
| Loan To Share |
76.8%
+1.8% YoY+2.7% QoQ
|
-7.9% |
84.7%
+0.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
23% |
| AMR |
$29,496
+4.2% YoY+1.6% QoQ
|
$-79 |
$29,575
+1.5% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
58% |
| CD Concentration |
24.1%
-1.8% YoY-1.3% QoQ
|
-5.0% | 29.1% | 18.8% | 20.0% | 28% |
| Indirect Auto % |
7.4%
-19.8% YoY-4.9% QoQ
|
-10.7% | 18.1% | 11.7% | 7.7% | 31% |
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)