Novi, Michigan · Peer group 6
Vibe Credit Union
Vibe Credit Union holds $1.57B in assets across 74,399 members as of Q1 2026 — about $21K of assets per member, on a charter dating to 1953. Charter number 61522, in the $1B-$10B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $1.57B |
|---|---|
| Total loans | $924.3M |
| Total shares (deposits) | $1.24B |
| Net worth | $162.9M |
| Members | 74,399 |
| Assets per member | $21K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 2.8% | |
|---|---|---|
| Loans | 3.7% | around the 44th percentile of its peer group |
| Deposits | 2.4% | around the 30th percentile of its peer group |
| Members | -1.3% | around the 23rd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 74.8% | around the 26th percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.3% | around the 43rd percentile of its peer group |
| Return on assets | 0.58% | around the 41st percentile of its peer group |
| Delinquency ratio | 0.90% | around the 74th percentile of its peer group |
| Cash / assets | 17.2% | higher than 94% of its peer group |
| Borrowings / assets | 11.1% | higher than 95% of its peer group |
What this page does not show
Everything above is Vibe Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Michigan — the comparison set a peer ratio is measured against.
- Frankenmuth Credit Union
Frankenmuth, MI
$1.57B · 78,016 members
- Financial Plus Credit Union
Flint, MI
$1.64B · 80,867 members
- Michigan First Credit Union
Lathrup Village, MI
$1.50B · 162,645 members
- Community Financial Credit Union
PLYMOUTH, MI
$1.48B · 86,442 members
- University of Michigan Credit Union
Ann Arbor, MI
$1.45B · 122,745 members
- Credit Union One
Ferndale, MI
$1.82B · 108,063 members
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