BlastPoint's Credit Union Scorecard

VIBE

Charter #61522 · MI

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 19 in MI

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VIBE has 1 strength but faces 7 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 53.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 14.6% in tier
- Membership Headwinds: Bottom 15.9% in tier
- Stagnation Risk: Bottom 21.3% in tier
- ROA 0.34% below tier average
- Efficiency ratio 9.44% above tier (higher cost structure)
- Delinquency rate 0.17% above tier average
- Member decline: -2.8% YoY

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	74,791 -2.8% YoY-0.0% QoQ	-23.9K	98,678 -1.9% YoY	35,456 +8.6% YoY	33,089 +6.1% YoY	32%
Assets	$1.5B +6.5% YoY-0.8% QoQ	$-197.5M	$1.7B +0.5% YoY	$650.8M +12.6% YoY	$547.7M +7.8% YoY	50%
Loans	$920.8M +5.0% YoY+1.1% QoQ	$-312.3M	$1.2B +0.5% YoY	$461.6M +14.9% YoY	$388.7M +8.6% YoY	30%
Deposits	$1.2B +4.0% YoY-1.5% QoQ	$-264.7M	$1.5B +1.3% YoY	$550.3M +12.5% YoY	$464.6M +9.3% YoY	41%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% -31.8% YoY+34.1% QoQ	-0.3%	0.7% +13.4% YoY	0.8% -27.1% YoY	0.7% +273.4% YoY	20%
NIM	3.1% +8.6% YoY+2.8% QoQ	-0.2%	3.3% +9.3% YoY	3.7% +8.5% YoY	3.7% +5.0% YoY	34%
Efficiency Ratio	83.4% +4.0% YoY-0.6% QoQ	+9.4%	74.0% -10.9% YoY	76.1% -1.3% YoY	79.1% -3.3% YoY	Top 12.8% in tier
Delinquency Rate	1.0% -15.6% YoY-3.9% QoQ	+0.2	0.8% +6.1% YoY	0.9% -19.7% YoY	1.2% -0.9% YoY	76%
Loan To Share	77.4% +1.0% YoY+2.6% QoQ	-7.8%	85.2% -0.8% YoY	68.1% +0.3% YoY	68.0% -1.7% YoY	26%
AMR	$28,218 +7.5% YoY-0.3% QoQ	$-954	$29,172 +2.8% YoY	$22,054 +2.5% YoY	$19,418 +1.3% YoY	57%
CD Concentration	25.0% +3.5% YoY+1.9% QoQ	-3.9%	29.0% +0.7% YoY	18.6% +6.0% YoY	19.6% +6.2% YoY	33%
Indirect Auto %	8.7% -12.0% YoY-6.5% QoQ	-10.1%	18.8% -3.0% YoY	11.9% -2.7% YoY	7.9% -2.9% YoY	32%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#62 of 116 • Top 53.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.49%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | Rank improving

Concerns (3)

Efficiency Drag

risk

#49 of 96 • Bottom 14.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.42%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.17% points

(Tier: 0.07% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -2.83%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY | Rank improving

Membership Headwinds

decline

#39 of 85 • Bottom 15.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.83%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | Rank worsening

Stagnation Risk

risk

#52 of 85 • Bottom 21.3% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.83%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 5.04%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.99%

(Tier: 0.83%, National: 1.23%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (2 metrics)

AMR Growth Rate

growth

Value: 7.49%

Peer Avg: -

#52 of 304 Top 16.8% in 1B-3B tier

Fee Income Per Member

profitability

Value: $263.12

Peer Avg: -

#55 of 304 Top 17.8% in 1B-3B tier

Top Weaknesses (5 metrics)

267

Member Growth Rate

growth

Value: -2.83%

Peer Avg: -

#267 of 304 Bottom 12.5% in 1B-3B tier

266

Efficiency Ratio

profitability

Value: 83.42%

Peer Avg: -

#266 of 304 Bottom 12.8% in 1B-3B tier

243

Return on Assets (ROA)

profitability

Value: 0.37%

Peer Avg: -

#243 of 304 Bottom 20.4% in 1B-3B tier

234

Members Per Employee (MPE)

engagement

Value: 299.164

Peer Avg: -

#234 of 304 Bottom 23.4% in 1B-3B tier

232

Total Delinquency Rate (60+ days)

risk

Value: 0.99%

Peer Avg: -

#232 of 304 Bottom 24.0% in 1B-3B tier