Vibe

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$1.4B

23^th percentile

Members

74,515

22^th percentile

Total loans

$928.6M

20^th percentile

Total shares

$1.2B

28^th percentile

Profitability

Return on assets

0.25%

9^th percentile

Net interest margin

3.51%

70^th percentile

Efficiency ratio

59.06%

20^th percentile

Non-interest income ratio

20.79%

67^th percentile

Capital & Risk

Net worth ratio

11.78%

67^th percentile

Delinquency rate

0.98%

30^th percentile

Net charge-off rate

0.60%

37^th percentile

Loan-to-share

77.16%

24^th percentile

Growth

Member growth YoY

-1.28%

18^th percentile

Asset growth YoY

3.55%

30^th percentile

Loan growth YoY

4.98%

50^th percentile

Share growth YoY

2.16%

21^th percentile

Operations

Members / branch

4,968

16^th percentile

Assets / member

$18,297

53^th percentile

Field of membership penetration

1.47%

14^th percentile

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