Side-by-side · Q2 2026 data
Vibe Credit Union vs Financial Plus Credit Union
Metric by metric
| Measure | Vibe Credit Union | Financial Plus Credit Union |
|---|---|---|
| TellerScore | 62 | 72 (stronger) |
| Capital cushion | 55 | 67 (stronger) |
| Loan quality | 64 | 84 (stronger) |
| Earnings | 43 | 56 (stronger) |
| Funding & liquidity | 83 (stronger) | 71 |
| Problem-loan coverage | 87 | 93 (stronger) |
| Peer percentile | 30th | 66th |
| Total assets | $1.6B | $1.7B |
| Deposits / shares | $1.2B | $1.4B |
| Capital ratio | 10.46% | 11.71% (stronger) |
| Problem loans | 1.08% | 0.48% (stronger) |
| Net charge-offs | 0.56% (stronger) | 0.67% |
| Return on assets | 0.57% | 0.90% (stronger) |
| Loans ÷ deposits | 76.8% (stronger) | 89.6% |
| Uninsured deposits | 4.8% (stronger) | 8.3% |
| Offices | 12 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.5% | — |
Financial Plus Credit Union has the higher TellerScore (72 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Vibe Credit Union leads on 3 and Financial Plus Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.