Vibe
Novi, MI · Charter 61522 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 16 branches
Q2 2026
$1.6BAssets
$950.5MLoans
$1.2BShares
$165.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 45% of credit unions $1B-$10B in assets (rank 240 of 435).
- Widest gap: efficiency ratio trails 83% of credit unions $1B-$10B in assets (rank 360 of 435).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.57%
Rank 321 of 435
Net Interest Margin
3.31%
Rank 240 of 435
Efficiency Ratio
79.58%
Rank 360 of 435
Equity / Assets
10.46%
Rank 262 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.57% | 0.55% | 0.81% | 1.14% | Beats 26% | 321 / 435 | |
| Return on Equity | 5.45% | 5.12% | 7.41% | 9.70% | Beats 29% | 311 / 435 | |
| Net Interest Margin | 3.31% | 3.01% | 3.39% | 3.75% | Beats 45% | 240 / 435 | |
| Efficiency Ratio | 79.58% | 65.25% | 71.39% | 77.86% | Beats 17% | 360 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.08% | 0.45% | 0.69% | 1.05% | Beats 23% | 335 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.46% | 9.81% | 10.84% | 12.63% | Beats 40% | 262 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.46% | 9.81% | 10.84% | 12.63% | Beats 40% | 262 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 76.78% | 78.33% | 88.38% | 95.61% | 22nd pctl | 338 / 435 | |
| Loans / Assets | 60.23% | 67.69% | 74.58% | 80.80% | 14th pctl | 376 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |