Side-by-side · Q2 2026 data
Vibe Credit Union vs University of Michigan Credit Union
Credit union
University of Michigan Credit Union
Ann Arbor, Michigan · $1 billion – $10 billion
Metric by metric
| Measure | Vibe Credit Union | University of Michigan Credit Union |
|---|---|---|
| TellerScore | 62 (stronger) | 61 |
| Capital cushion | 55 | 61 (stronger) |
| Loan quality | 64 | 73 (stronger) |
| Earnings | 43 (stronger) | 36 |
| Funding & liquidity | 83 (stronger) | 57 |
| Problem-loan coverage | 87 | 88 (stronger) |
| Peer percentile | 30th | 27th |
| Total assets | $1.6B | $1.5B |
| Deposits / shares | $1.2B | $1.1B |
| Capital ratio | 10.46% | 11.08% (stronger) |
| Problem loans | 1.08% | 0.82% (stronger) |
| Net charge-offs | 0.56% (stronger) | 0.62% |
| Return on assets | 0.57% (stronger) | 0.41% |
| Loans ÷ deposits | 76.8% (stronger) | 103.3% |
| Uninsured deposits | 4.8% (stronger) | 10.6% |
| Offices | 12 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.5% | 7.1% |
Vibe Credit Union has the higher TellerScore (62 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Vibe Credit Union leads on 5 and University of Michigan Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.