VIBE

Charter #61522 | MI

1B-3B (304 CUs) Mid-Market (380 CUs)
19 1B-3B in MI

VIBE has 3 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 8.5% in tier
  • + Relationship Depth Leader: Top 15.9% in tier
  • + Emerging Performer: Top 32.7% 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
 32nd in tier
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
 50th in tier
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
 30th in tier
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
 41st in tier
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
 Bottom 20.1% in tier
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
 34th in tier
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
 Top 24.0% in tier
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
 26th in tier
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
 57th in tier
CD Concentration 25.0%
+3.5% YoY+1.9% QoQ
 -4.0% 29.0%
+0.8% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 33rd in tier
Indirect Auto % 8.7%
-12.0% YoY-6.5% QoQ
 -10.1% 18.8%
-2.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 32nd in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#62 of 264 • Top 8.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.49%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Relationship Depth Leader

growth
#116 of 264 • Top 15.9% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 7.49%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.5K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Emerging Performer

growth
#174 of 184 • Top 32.7% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.37%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -2.83%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

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: 73.45%, 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 is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.37%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.83%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $28.2K
(Tier: $29.2K, National: $19.4K)
worse than tier avg
CD Concentration: 25.02%
(Tier: 28.98%, National: 19.60%)
but better 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)

Comparing against 304 peers in tier

Top Strengths (2 metrics)

52
AMR Growth Rate
growth
Value: 7.49%
Peer Avg: 3.29%
#52 of 304 Top 16.8% in 1B-3B tier
55
Fee Income Per Member
profitability
Value: $263.12
Peer Avg: $210.52
#55 of 304 Top 17.8% in 1B-3B tier

Top Weaknesses (5 metrics)

267
Member Growth Rate
growth
Value: -2.83%
Peer Avg: 2.20%
#267 of 304 Bottom 12.5% in 1B-3B tier
266
Efficiency Ratio
profitability
Value: 83.42%
Peer Avg: 73.97%
#266 of 304 Bottom 12.8% in 1B-3B tier
243
Return on Assets (ROA)
profitability
Value: 0.37%
Peer Avg: 0.70%
#243 of 304 Bottom 20.4% in 1B-3B tier
234
Members Per Employee (MPE)
engagement
Value: 299.164
Peer Avg: 364.953
#234 of 304 Bottom 23.4% in 1B-3B tier
232
Total Delinquency Rate (60+ days)
risk
Value: 0.99%
Peer Avg: 0.83%
#232 of 304 Bottom 24.0% in 1B-3B tier