Vibrant Credit Union is a federally insured state-chartered credit union headquartered in Moline, Illinois, in business for about 91 years. At the end of Q2 2026 it reported $1.2B in total assets and $958.6M in member shares and deposits, with 3 offices across 2 states.
Vibrant Credit Union has a TellerScore of 42 out of 100 (below average) based on Q2 2026 data — higher than only 2% of its 454 credit unions with $1 billion – $10 billion. Among 188 credit unions headquartered in Illinois, it ranks 187th. Problem-loan coverage contributes the most (65/100, 17.5%); earnings contributes the least (29/100, 0.23%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (42 → 42).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 44 |
| Q3 2024 | 30 |
| Q4 2024 | 23 |
| Q1 2025 | 51 |
| Q2 2025 | 42 |
| Q3 2025 | 46 |
| Q4 2025 | 45 |
| Q1 2026 | 42 |
| Q2 2026 | 42 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.23% |
| Q3 2024 | 8.72% |
| Q4 2024 | 8.00% |
| Q1 2025 | 8.17% |
| Q2 2025 | 7.99% |
| Q3 2025 | 8.05% |
| Q4 2025 | 8.07% |
| Q1 2026 | 8.07% |
| Q2 2026 | 8.04% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.79% |
| Q3 2024 | 2.93% |
| Q4 2024 | 3.08% |
| Q1 2025 | 2.04% |
| Q2 2025 | 2.18% |
| Q3 2025 | 1.62% |
| Q4 2025 | 1.70% |
| Q1 2026 | 1.54% |
| Q2 2026 | 1.59% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.14% |
| Q3 2024 | -0.01% |
| Q4 2024 | -0.51% |
| Q1 2025 | 1.69% |
| Q2 2025 | 0.79% |
| Q3 2025 | 0.65% |
| Q4 2025 | 0.63% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.23% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 42 | $1.2B | 8.04% | 1.59% | 0.23% | 100.1% |
| Q1 2026 | 42 | $1.2B | 8.07% | 1.54% | 0.02% | 95.6% |
| Q4 2025 | 45 | $1.2B | 8.07% | 1.70% | 0.63% | 95.5% |
| Q3 2025 | 46 | $1.2B | 8.05% | 1.62% | 0.65% | 98.4% |
| Q2 2025 | 42 | $1.1B | 7.99% | 2.18% | 0.79% | 96.7% |
| Q1 2025 | 51 | $1.1B | 8.17% | 2.04% | 1.69% | 98.1% |
| Q4 2024 | 23 | $1.1B | 8.00% | 3.08% | -0.51% | 94.8% |
| Q3 2024 | 30 | $1.1B | 8.72% | 2.93% | -0.01% | 94.9% |
| Q2 2024 | 44 | $1.0B | 9.23% | 1.79% | 0.14% | 97.4% |
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).
Similar-size credit unions in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Selfreliance Federal Credit UnionCredit union Chicago, IL | 71 out of 100, Strong | $1.2B | 12.3% | 0.92% | vs |
| Abbott Laboratories Credit UnionCredit union Gurnee, IL | 89 out of 100, Very strong | $1.1B | 14.5% | 0.11% | vs |
| 1st Midamerica Credit UnionCredit union Bethalto, IL | 64 out of 100, Moderate | $1.0B | 13.3% | 2.01% | vs |
| Great Lakes Credit UnionCredit union Bannockburn, IL | 52 out of 100, Below average | $1.4B | 9.1% | 1.26% | vs |
| Scott Credit UnionCredit union Edwardsville, IL | 71 out of 100, Strong | $1.9B | 10.1% | 0.54% | vs |
| Empeople Credit UnionCredit union Moline, IL | 58 out of 100, Moderate | $2.3B | 8.3% | 0.59% | vs |
Deposit insurance
Is my money safe at Vibrant Credit Union?
Yes. Vibrant Credit Union is a federally insured credit union (NCUA charter #61093). 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 7.4% of shares and deposits ($70.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 8.04%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Vibrant Credit Union lists 3 offices in 2 cities across 2 states. Most locations:
- Moline, IL (2)
- Bettendorf, IA (1)
Identity & history
Profile
- Legal name
- Vibrant Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 61093
- RSSD ID
- 337395
- Primary regulator
- State + NCUA
- Established
- 1935
- Headquarters
- PO Box 1550, Moline, IL 61265
- Employees
- 141
Quick answers
Vibrant Credit Union: common questions
Is Vibrant Credit Union NCUA insured?
Yes. Vibrant Credit Union is a federally insured credit union (NCUA charter #61093). 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 Vibrant Credit Union's TellerScore?
42 out of 100 (Below average), 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 Vibrant Credit Union have?
3 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Moline
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Kone Employees Credit UnionCredit union Moline, IL | 94 out of 100, Very strong | $20.7M | 17.5% | 0.55% | vs |
| Blue Grass Savings BankBank Blue Grass, IA | 89 out of 100, Very strong | $225.5M | 14.3% | 0.34% | vs |
| Farmers National BankBank Prophetstown, IL | 88 out of 100, Very strong | $895.7M | 15.0% | 0.23% | vs |
| Liberty Trust & Savings BankBank Durant, IA | 86 out of 100, Very strong | $186.2M | 20.7% | 0.86% | vs |
| First Central State BankBank Dewitt, IA | 83 out of 100, Strong | $772.4M | 13.4% | 0.21% | vs |
| Service Plus Credit UnionCredit union Moline, IL | 81 out of 100, Strong | $34.7M | 12.3% | 0.46% | vs |