Vibrant

Moline, IL · 2 · Charter #61093 · www.vibrantcreditunion.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

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
$1.2B
12th percentile
Members
52,065
5th percentile
Total loans
$905.4M
17th percentile
Total shares
$881.1M
4th percentile

Profitability

Return on assets
0.97%
48th percentile
Net interest margin
2.84%
27th percentile
Efficiency ratio
40.08%
88th percentile
Non-interest income ratio
24.12%
83th percentile

Capital & Risk

Net worth ratio
8.07%
4th percentile
Delinquency rate
1.70%
8th percentile
Net charge-off rate
1.79%
2th percentile
Loan-to-share
102.75%
85th percentile

Growth

Member growth YoY
-14.26%
1th percentile
Asset growth YoY
6.30%
55th percentile
Loan growth YoY
8.21%
69th percentile
Share growth YoY
6.52%
61th percentile

Operations

Members / branch
13,016
89th percentile
Assets / member
$22,486
81th percentile
Field of membership penetration
7.91%
61th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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