TellerScore

Headquartered in Novi, Michigan, Vibe Credit Union is a federally insured state-chartered credit union with $1.6B in total assets and $1.2B in member shares and deposits as of Q2 2026. It operates 12 offices. Its charter dates back to 1953.

Based on its Q2 2026 filing, Vibe Credit Union scores 62/100, which we describe as moderate. That is higher than only 30% of 454 credit unions with $1 billion – $10 billion. Among 169 credit unions headquartered in Michigan, it ranks 146th. Its strongest component is problem-loan coverage (87/100; 6.5%), and its lowest is earnings (43/100; 0.57%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Net worth ratio: 10.46%
Loan quality64/100
Loans 60+ days delinquent ÷ total loans: 1.08%
Earnings43/100
Return on assets (annualized): 0.57%
Funding & liquidity83/100
Loans ÷ shares: 76.8% · 4.8% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.54%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (60 → 62), mostly because the earnings component improved by 12 points.

TellerScore
606468Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202465
Q4 202464
Q1 202564
Q2 202560
Q3 202562
Q4 202566
Q1 202664
Q2 202662
Net worth ratio
7.00%9.54%12.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.09%
Q3 202411.66%
Q4 202411.82%
Q1 202510.98%
Q2 202510.28%
Q3 202510.50%
Q4 202511.78%
Q1 202610.35%
Q2 202610.46%
Delinquent loans (60+ days)
0.81%1.00%1.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.12%
Q3 20241.18%
Q4 20241.18%
Q1 20250.81%
Q2 20251.03%
Q3 20250.99%
Q4 20250.98%
Q1 20260.90%
Q2 20261.08%
Return on assets
0.27%0.50%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.72%
Q3 20240.54%
Q4 20240.39%
Q1 20250.28%
Q2 20250.27%
Q3 20250.37%
Q4 20250.40%
Q1 20260.58%
Q2 20260.57%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$1.6B10.46%1.08%0.57%76.8%
Q1 202664$1.6B10.35%0.90%0.58%74.8%
Q4 202566$1.4B11.78%0.98%0.40%77.2%
Q3 202562$1.5B10.50%0.99%0.37%77.4%
Q2 202560$1.5B10.28%1.03%0.27%75.4%
Q1 202564$1.5B10.98%0.81%0.28%73.8%
Q4 202464$1.3B11.82%1.18%0.39%75.1%
Q3 202465$1.4B11.66%1.18%0.54%76.6%
Q2 202468$1.4B12.09%1.12%0.72%75.5%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.46%
40th
Problem loans1.08%
23rd
Net charge-offs0.56%
45th
Return on assets0.57%
27th
Loans to deposits76.8%
77th
Uninsured deposits4.8%
89th
Loan-loss reserves0.00%
50th
Texas ratio6.5%
32nd

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Frankenmuth Credit UnionCredit union Frankenmuth, MI64 out of 100, Moderate$1.6B10.3%1.19%vs
Michigan First Credit UnionCredit union Lathrup Village, MI72 out of 100, Strong$1.5B15.8%1.14%vs
Financial Plus Credit UnionCredit union Flint, MI72 out of 100, Strong$1.7B11.7%0.48%vs
Orsa Credit UnionCredit union Plymouth, MI47 out of 100, Below average$1.5B9.8%1.52%vs
University of Michigan Credit UnionCredit union Ann Arbor, MI61 out of 100, Moderate$1.5B11.1%0.82%vs
Credit Union OneCredit union Ferndale, MI76 out of 100, Strong$1.8B11.6%0.42%vs

Deposit insurance

Is my money safe at Vibe Credit Union?

Yes. Vibe Credit Union is a federally insured credit union (NCUA charter #61522). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.8% of shares and deposits ($59.9M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 10.46%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

12 locations

Branches

Vibe Credit Union lists 12 offices in 11 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Vibe Credit Union reported 677 home-loan applications under HMDA (LEI 5493001XRDEGNB7US825): 568 originated ($69,050,000 total), 60 denied, and 43 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Vibe Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61522
RSSD ID
1012998
Primary regulator
State + NCUA
Established
1953
Headquarters
44575 W Twelve Mile Rd, Novi, MI 48377
Employees
281

Quick answers

Vibe Credit Union: common questions

Is Vibe Credit Union NCUA insured?

Yes. Vibe Credit Union is a federally insured credit union (NCUA charter #61522). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Vibe Credit Union's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Vibe Credit Union have?

12 offices as of the latest NCUA data.