BlastPoint's Credit Union Scorecard
VIBE
Charter #61522 · MI
VIBE has 1 strength but faces 6 concerns
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How does MI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.05% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 4.5% in tier
- - Membership Headwinds: Bottom 84.5% in tier
- - Stagnation Risk: Bottom 85.7% 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
|
Top 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)