Vibrant
Moline, IL · Charter 61093 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 5 branches
Q2 2026
$1.2BAssets
$959.5MLoans
$958.6MShares
$95.9MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 16% of credit unions $1B-$10B in assets (rank 368 of 435).
- Widest gap: equity / assets trails 97% of credit unions $1B-$10B in assets (rank 420 of 435).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.23%
Rank 404 of 435
Net Interest Margin
2.63%
Rank 385 of 435
Efficiency Ratio
80.43%
Rank 368 of 435
Equity / Assets
8.04%
Rank 420 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.23% | 0.55% | 0.81% | 1.14% | Beats 7% | 404 / 435 | |
| Return on Equity | 2.89% | 5.12% | 7.41% | 9.70% | Beats 10% | 391 / 435 | |
| Net Interest Margin | 2.63% | 3.01% | 3.39% | 3.75% | Beats 11% | 385 / 435 | |
| Efficiency Ratio | 80.43% | 65.25% | 71.39% | 77.86% | Beats 16% | 368 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.59% | 0.45% | 0.69% | 1.05% | Beats 9% | 399 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 8.04% | 9.81% | 10.84% | 12.63% | Beats 3% | 420 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 8.04% | 9.81% | 10.84% | 12.63% | Beats 3% | 420 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 100.10% | 78.33% | 88.38% | 95.61% | 86th pctl | 63 / 435 | |
| Loans / Assets | 80.43% | 67.69% | 74.58% | 80.80% | 73rd pctl | 117 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |